David Chomba Email & Phone Number

Nairobi

• Oversee the entire company’s portfolio with key tasks on growing the portfolio, and Maintaining portfolio quality within agreed targets.• Drive Overall collection efficiency and effectiveness across the business.• Building, monitoring, adjusting, and automating world-class internal collection systems and processes.• Ensuring all the motor vehicles in the asset financed portfolio are comprehensively insured and tracking efficiency is within acceptable tolerance limits.• Build and manage relationships with partners and third-party suppliers.• Overseeing relevant expenditures in the functional teams to drive overall company profitability while minimizing losses.• Coaching, training, and developing junior staff members to support their long-term career development and effective succession planning.• Effective and efficient conflict resolution.• Liaising with the credit manager to ensure lending guidelines are aligned with quality objectives.• Conducting regular training of direct reports to ensure compliance with business processes.• Maintain quality costs within the set budgeted targets to maximize the company’s profitability.• Continuously revise and improve collection, relationship, and customer service strategies.• Supervising relationship officers and relationship managers to ensure they deliver optimal results per set targets• Prepare and share with the company’s management and directors the portfolio movement and performance reports.• Member of product development, credit, and EXCO committees.• Advise the company’s Managing Directors on key issues regarding portfolio quality improvement and key strategies to employ to ensure achievement of company’s goals.

Nairobi County, Kenya

Responsible for maintaining a complete debt collection portfolio, working with delinquent clients to reduce non-performing loans both in amounts and number of accounts; Key tasks; - Supervising relationship Officers to ensure they deliver optimal results as per the set targets .- Analyzing the assigned portfolio and recommend for approval turnaround propositions, strategies and actions that would lead to the recovery of the Non performing loan’s.- Carrying out loan portfolio rebalancing to assure diversification of the business loans portfolio.- Implementing and maintaining controls for underwriting, loan administration and collections of business loans.- Overseeing a portfolio of 2000 + members, loan portfolio of KSh. 1.1B loan book with a PAR of less than 7 %.- Analyzing credit default risk including watch accounts and implementing appropriate rehabilitation options.- Negotiating for repayment with Non Performing Loan account holders during recovery, and enforce remedial measures taken such as restructuring, auctions, etc in the interest of the Company.- Monitoring active loans, working with the credit analyst to analyze client performance, track compliance with contracts and reporting requirements, and develop risk ratings.- Identifying, assessing, and evaluating risk areas in recovery and making appropriate recommendations for improved collections of the Company funds.- Ensuring at any time the PAR is below 5%, and collection rate of above 95% on monthly basis.- Achieved recovery of 80% of bad accounts (recognized for dealing effectively with difficult collection situations).- Lowered the company total delinquency rate to less than 2% through aggressive recoveries and viable restructurings when only 5% was expected.- Coaching and training junior members of staff to support long term career development and effective succession planning.- Preparing accurate and timely monthly reports, clearly indicating performance and delinquency levels.

Nairobi County, Kenya

Managed Portfolio of SME Clients, with main focus of business development through increasing products penetrations, increase portfolio profitability and overall credit quality of the asset book within acceptable limits. Performance milestones ; - Onboarded SME clients, identified and addressed customer needs, ensuring that the overall service provided was in line with customer expectations.- Developed new relationships with SME clients with an aim of increasing the number of SME accounts, attaining good quality asset and liabilities book for the branch in line with the set budgets- Evaluated credit proposals and oversaw the credit applications process on a timely basis with the bank’s set turnaround times.- Reduced the possibility of NPA and proactively managed recovery of NPA in the event of default by reviewing Credit applications.- Reviewied the overall portfolio in a timely manner and recommended appropriate credit facilities in line with the bank’s credit policy to maximize earnings while containing risks to an acceptable level.- Grew portfolio by prospecting for new clients and deepening relationships with existing clients.- Increased the market share of Retail Clients in terms of customer numbers, products and service consumption and revenues while proactively reducing the non-performing loan book.- Lowered the Sector total delinquency rate to less than 1% through aggressive recoveries and viable restructurings when only 5% was expected.- Improved operational efficiencies by over 80% by optimizing credit approval and collection processes.- Managed overall PAR for all SME Banking credit facilities at the branch to below 2% and early vintage to 0.25%.- Managed assigned relationships to ensure satisfactory account conduct and early ratification of various credit related issues.- Monitored customer complaints, handled complainant personally where required to ensure prompt resolution.

Nairobi County, Kenya

Went through a highly engaging and interactive training program ( branch business and operation activities) ,received hands-on , intensive and all-round training in various aspects of banking units at the Head Office. Key contributions; - Ensured the effective implementation and administration of the bank operations policy and process framework by implementation of the Banks operations strategy as assigned.- Performed due-diligence on documentation and KYC checks during account openings to effectively manage AML/CFT risks.- Implemented business strategic initiatives aimed at increasing new business and wallet share from existing customers Retail and Business Banking Clients.- Continuously conducted market intelligence to identify new markets, customer trends, new government /directives, and changes in policy by regulators- Appraised and promptly addressed customer issues /complaints escalating as necessary to ensure timely resolution as per the set standards.- Analyzed client service processes and policies, developed creative solutions to problems resulting to smooth operations, increased efficiency and customer satisfaction.- Ensured compliance with Operations Risk requirements to avoid losses arising from operational lapses.- Drafted weekly report on every specific bank department after training highlighting my observations on the areas of strength in the functions of the department and proposing strategies that can be included in the departments' functions.- Ensured that all the bank’s policies and procedures, code of conduct and regulatory guidelines were strictly complied with in the process of discharging duties.

Murang'A County, Kenya

Provided exceptional customer service to the SACCO Clients while cross-selling Credit products to achieve quality and health loan book ,branch profitability / deepen existing customer relationships. Performance milestones; - Developed new business opportunities by proactively marketing for lending opportunities from current members & prospective clients. - Delivered timely, friendly, error free and exceptional client service i.e receipt of cash deposit, cheques, member contributions, savings withdrawals and loan repayments.- Conducted Credit Risk Assessments for new and existing Credit products- Analyzed applicant’s financial status, credit and property evaluations to determine feasibility of granting loans.- Monitored allocated accounts on a daily basis and instituted timely corrective measures to avoid delinquency.- Converted 50% of walk-in customers to clients by engaging them in conversation and giving them precise information about the Sacco Credit opportunities.- Monitored accounts’ performance and managed late repayments and arrears to ensure delinquency rates were managed within Sacco ’s stipulated acceptable levels.- Formulated and Implemented strategies and methodologies which reduced volume of past due accounts and write offs.- Daily reconciliations of branch account books- Handled all members’ correspondences on loans, withdrawals and membership promptly while ensuring outstanding customer experience in all interactions.- Prepared, analyzed and submitted regular reports in relation to loan applications, disbursements, repayments, overdue accounts, recovery plans and risk exposures.

Bachelor Of Science, Economics And Statistics.

Certified Public Accounting, Pass In Part 1-3