Joan Gitari Email & Phone Number

Nairobi County, Kenya

Nairobi, Kenya

Key Contributions:➡️Strategic Planning: Develop and execute strategic plans for the credit department, aligning with overall company objectives.➡️Drive initiatives to optimize the credit portfolio and ensure a healthy balance between risk and reward.➡️Regulatory Compliance: Ensure compliance with financial regulations and industry standards, staying abreast of changes in legislation.➡️Collaborate with legal and compliance teams to navigate regulatory requirements effectively as required by CBK.➡️Credit Scoring and Analytics: Design and advise on credit scoring models, leveraging data analytics for accurate risk assessment.➡️Portfolio Management: Monitor and manage the credit portfolio to maintain a healthy mix of assets, contributing to overall financial stability.➡️Develop strategies for portfolio diversification and risk mitigation.➡️ Process Optimization: Streamline operational workflows to improve efficiency and reduce costs.➡️Implement automation and technology solutions to enhance overall operational effectiveness.➡️Quality Assurance: Implement performance metrics and KPIs to track and improve operational performance.➡️Customer Service Excellence: Implement customer-centric initiatives to enhance the overall customer experience.➡️ Foster collaboration between different departments to ensure seamless operations.Work closely with other departments such as finance, IT, and sales to achieve overall business objectives.➡️Strategic Alignment: Align credit and operations strategies with the overall business objectives of the company by ensuring that both credit and operations functions support the company's growth and profitability goals.➡️Leadership and Team Development: Provide strong leadership for both credit and operations teams, fostering a collaborative and high-performance culture.

Nairobi

Key Contributions:➡️Implemented process optimization initiatives, resulting in the successful launch of three POS that proved to be a market fit and were profitable with optimal operational costs within the first quarter through automation and streamlined workflows.➡️ Successfully executed a market expansion strategy, leading to a 40% increase in the company's customer base and establishing a presence in new geographic regions across Kenya.➡️Identified and cultivated strategic partnerships with key industry players, resulting in a 20% increase in revenue through collaborative product offerings and shared customer acquisition channels.➡️Implemented a client retention program that increased customer retention rates by in the various loan products, enhancing overall customer satisfaction and loyalty.➡️Diversified revenue streams by introducing innovative pricing models and upselling existing clients, contributing to a 15% increase in overall company revenue.➡️Enhanced the customer onboarding process, reducing onboarding time by 50% and increasing customer satisfaction scores by implementing user-friendly interfaces and proactive communication channels.

Nairobi

Key Contributions:➡️ Ensured that collection routine tasks are incorporated across the various collections' strategies for a uniform collection approach by coordinating with the assigned team.➡️ Analysed and verified performance numbers submitted by team members and improved MI quality to provide deeper insights into portfolio performance.➡️ Managed the company's retained client portfolio to ensure all customer issues are resolved correctly without compromising the company's objectives and goals.➡️ Verified collaterals and processed quality customer files in line with procedures laid down before new files can be approved for disbursement.➡️ Led, motivated, and coached the allocated team to ensure a consistently high-grade execution of the Collection Strategy.➡️ Updated customer loan files in accordance with signed loan agreements, and ensure that records are properly synched with server archives.➡️ Conducted monthly generation of invoices and demand letters and ensured delivery is done timely, as per the stipulated guidelines.➡️ Vetted all loan files to ensure they are in line with our policies and all due diligence has been done before any approvals are done.

Key Contributions:➡️ Ensured recovery of debts on the due dates.➡️ Conducted follow-ups by email or on the phone as may be required at the time.➡️ Handled management of customer accounts.➡️ Ensured the generation of daily reports on amounts collected.➡️ Performed credit reference checks as may be required from time to time.

Key Contributions: ➡️ Reviewed and analyzed the day-to-day company sales and product pricing.➡️ Performed reconciliation, which entails tallying of expenditures with budget allocations while ensuring compliance with organization procedures.➡️ Kept and organized filing system for all types of invoices and reimbursement forms.➡️ Managed accounts for the vendors and customers including expense reporting ➡️ Handled maintenance of Asset register.

Key Contributions:➡️ Provided analytics and due diligence in support of the KWFT's academic resource initiative.➡️ Assisted executives with recurring weekly and monthly tasks, including the construction of management reports and data inputs as well as industry and competitive analysis updates.➡️ Advanced experience in Excel, used to create forward-looking revenue models.➡️ Excellent knowledge of Excel formulas and data manipulation.➡️ Implemented an analytics and policy framework to improve quality control.

Nairobi

Master Of Business Administration - Mba, Strategic Management

Financial Modelling & Valuation Analyst (Fmva), Banking, Corporate, Finance, And Securities Law

Bachelor Of Economics And Finance, Economics

Activities and Societies: KUESA Bachelor of Economics & Finance

Diploma In It

Kcse, High School