As country manager Avenews, I purpose to make a difference in the Kenyan Market in collaboration with the rest of Avenews Gt team. I will be in charge of Kenya Market overseeing all country Operations, Handling regulatory & compliance, Business development, Product localisation and Steering strategic partnerships.

Ngao Credit is a non-deposit taking Microfinance Institution that provides a wide range of financial services such as Auto Logbook loans, Import Finance, Asset Finance, Loan against Shares, and Jijenge loans targeting SME'S in Kenya.I work closely with the GM to meet the company’s growth and financial objectives by taking leadership of strategic and operational planning, budget development, business growth, sales and marketing, product development, and strategic partnerships.Highlights:o Managing four direct and 19 indirect reports and monthly P&L across verticals.o Produced 10% growth in revenues in the first year, catapulted growth to 17% by 2020 and to 28% in 2021.o Orchestrated branch expansion, generating 30% growth over 3.5 years.o Spurred customer growth margins YoY by 40%, and attained 80% CSAT scores in 2021.o Achieved 95% marketing budget utilization rate and grew sales by 40% in FY2021.o Pivotal in strategy development for a Group-wide consolidation project to drive efficiency by offering products and services from a single platform.o Spearheaded product launches (USSD and Mobile App technology) to respond to customer needs within an increasingly competitive landscape.

--------------------------------------------------------------------------------------------------I advanced through a promotion to provide leadership and direction of six branches and operationalize strategic imperatives including communication, marketing, and customer service delivery.Highlights:o Provided management of all six branches and the overall sales budget.o Drove annual sales growth by 15% (2018) and annual profitability by 36%.o Piloted the development and execution of ATL and BTL marketing strategies, as well as digital and social media marketing to elevate brand visibility.o Rejuvenated performance of Branch Managers by facilitating product training.o Expanded into new markets by launching two branches and partnered with creative/digital agencies to craft and execute marketing campaigns, credited with 10% growth in sales margin.o Facilitated business re-engineering workshops that aimed at turning around customer experience pertaining to product and service delivery.o Increased annual sales revenues by 14% by leveraging on the Agency Model.

--------------------------------------------------------------------------------------------------As Manager of the Mombasa Branch, I directed all aspects of branch operations to grow deposits and investments and ensure the Branch meets and exceeds customer expectations.Highlights:o Managed annual Branch budgets, the procurement budget, multi-million KES in monthly sales targets, and drove 30% revenue growth and 40% portfolio growth in a year.o Achieved the targeted threshold in customer issue resolution by leveraging the CRM ticketing system to manage internal and external tickets raised.o Halved loan PAR to 9% by the end of the year by instituting stringent credit appraisal processes.o Trimmed delinquent accounts by 70% through rigorous debt collection and recovery processes.o Raised performance levels of staff through product trainings and quarterly performance appraisals.

--------------------------------------------------------------------------------------------------I worked closely with the Branch Manager at the Upper Hill Office to oversee day-to-day branch operations and co-managed the annual branch budget.Highlights:o Oversaw 15 staff and the achievement of monthly sales budgets and monthly collections targets.o Delivered 10% growth in customer acquisition and retention through effective portfolio management and BTL marketing activities.o Grew customer base 36% in a year by tapping into the power of customer campaigns, business referrals, discounts, and special interest rates, and achieved an NPS score of 80%.o Conducted a feasibility study in support of opening of a new branch.o Recruited and trained new branch staff.o Won the Employee of the Year Award in 2014.

--------------------------------------------------------------------------------------------------I took part in portfolio management, procurement, project management, credit appraisals, and sales and marketing to accelerate revenue and portfolio growth.Highlights:o Exceeded monthly sales target by 16% and achieved 70% of monthly collection targets.o Grew loan portfolio from the ground up to multi-million KES in loan books in a year, and expanded customer base to achieve 100% growth targets through sales and marketing activities.o Supported the establishment of two new branches and took part in evaluating RFQs to ensure vendor viability and deliver value for money.