Simon M. Mulinge Email & Phone Number

Nairobi County, Kenya

Responsible for improving & executing of SunCulture’s Asset Financing Strategy.1. Manage expansion of Company’s PAYGrow Credit Customer Finance offering.•Portfolio Strategy Evaluation and Improvement• Use key learnings to improve portfolio structure.• Collaborate with CFO for PAYGrow financing.• Manage portfolio progress for stakeholders.• Collaborate with legal counsel for contract optimization and regulatory compliance.• Ensure compliance with national regulations and customer protection legislation.2. PAYGrow Credit Portfolio Management•Credit Assessment Refinement and Optimization• Enhance customer credit assessment process.• Optimize credit systems and processes to minimize loss rate and underqualified sales.• Define and manage credit KPIs and improve dashboards.• Collaborate with IT departments for system refinement.• Collaborate with Product team for policy execution compliance.3. Credit Risk Management.•Financial Model Improvement and Audit & Control• Supporting financial models/dashboards to manage credit risk exposure.• Overseeing audit and internal control operations.• Coordinating external projects/audits and implementing recommendations.• Developing and testing performance improvement strategies.• Taking full accountability for repossessions strategy formulation and execution.4. Team Management.•Ambassador for Organization's Culture• Scale team's credit system and process management.• Manage credit team performance aligned with KPIs.• Identify and develop training for team growth.• Improve and execute SunCulture's asset financing strategy.

Nairobi County, Kenya

In charge of Driving the active management of the PayGo credit portfolio with a target to increase the monthly cash collections. Working with numbers, critically analyzing complex data, investigating trends, as well as updating credit policies and operational procedures to drive optimal portfolio performance.•PayGo Credit Policy Development and Implementation• Support in developing and implementing PayGo credit Policy.• Analyze customer vetting process and correlations between data and payment behavior.• Understand Azuri data correlation with external customer data for credit policy insights.• Monitor and improve after-sales processes impacting customer payment performance.• Collaborate with data analyst for critical analysis of customer payment behaviors and portfolio performance.• Review Loss Given Default analysis for portfolio performance changes.• Provide regular reports to senior management.• Support finance team in credit policy discussions with investors.• Drive active management of PayGo credit portfolio to increase monthly cash.

Nairobi County, Kenya

In charge of Economic empowerment of 10,000 youth through Jiinue Business Accelerator facilitating & managing credit strategy, policy, procedures, access, debt collection & recovery.• Board Member at Jiinue Credit• Responsible for leadership, supervision, and accountability in Jiinue Credit activities.• Disbursed mobile business loans across 10 counties.• Maintained low monthly PAR from loans.• Ensured collection and recovery of default loans.• Raised loan funds for onward lending.• Increased customer pipeline by recruiting "Shujaas" for Jiinue Business Development Bootcamp/training.• Achieved high revenue profitability by reducing running costs.• Involved in "The 1 Million Youth Empowerment Challenge!" Five-Point Youth Agenda.• Reached 3,000 Healthy Youth through strategic behavior change communication messages.• Reached 1,500 Learning and Innovative Youth through mentorship, career guidance, and life-skills sessions.• Facilitated skills development for work readiness, linkage to decent work, and business development training.• Engaged 3,000 Responsible Citizenry Youth in Kenya's transformation agenda.• Nurtured 3,000 Sporty, safe, talented, and spiritually grounded youth through sports engagement, talent nurturing, and prevention of violent extremism.

Nairobi County, Kenya

In charge of building a next generation digital lending practice targeting smallholder farmers in Africa with a new approach to risk assessment and underwriting processes, using technology and alternative data to scale the loan book with minimal losses and strong returns.• Financial Product Launch and Strategy• Developed financial products considering EBITDA and social impact.• Reviewed credit/sales underwriting & collections policies, procedures, SOPs, and strategy.• Revamped credit structure, partnerships, and service provider panel.• Introduced credit life & crop insurance products.• Assisted in product modelling and new market expansion.• Led in setting up new loan management system.• Managed and reduced portfolio at risk from 42% to 12%.• Led investor due diligence meetings and fund raising activities.

Nairobi County, Kenya

Ensuring the company's financial health by managing credit risks associated with its customer base, facilitating growth, and maintaining compliance with relevant regulations, direction and coordination of the digital lending and collections functions which included credit risk management, analysis, data analysis & reporting, collections & collaborative efforts, bad debt, delinquency reserve analysis, project management and credit reporting.• Participated in Credit Risk Management and Consumer Financing Due Diligence for D. Light Solar Limited, raising USD 20 Million.• Part of business up-scaling team, managing market surveys, product development, and market creation.• Significantly reduced portfolio at risk for Kenya and Uganda.• Developing and implementing credit risk policies and procedures.• Monitoring and assessing credit risk associated with the company's customer base and credit portfolios.• Overseeing credit scoring and modeling to evaluate customer creditworthiness.• Conducting regular portfolio analysis to identify trends, risks, and improvement opportunities.• Developing and implementing strategies to mitigate credit risks, including collateral requirements and risk-based pricing.• Regulatory compliance to ensure compliance with relevant regulations and legal requirements.• Leading and managing a team of credit risk professionals.• Making informed decisions regarding credit approvals, declines, and credit limit adjustments.• Overseeing the collection and analysis of credit-related data.• Generating and analyzing reports on credit risk metrics.• Collaborating with cross-functional teams and external stakeholders.• Providing credit education and training to internal teams and sales and customer service teams.• Identifying areas for improvement in credit risk management processes.

Nairobi County, Kenya

Responsible for compliance with internal credit policies and procedures, best practices and CBK prudential guidelines to facilitate management of credit risks within tolerable levels. Safeguarding the financial health of the institution by effectively managing and recovering debts while maintaining a customer-centric approach.• Established a successful Debt Recovery Unit in 2016/2017 for various sectors including SME credit, Asset Finance, Retail credit, Micro Individual & Group credit.• Strategy Development: Aligning debt recovery strategies with bank's goals and analyzing market trends.• Team Leadership: Leading a team of professionals to achieve recovery targets.• Portfolio Analysis: Regular reviews and analysis of the bank's debt portfolio.• Legal Compliance: Ensuring debt recovery activities comply with relevant laws and regulations.• Negotiation and Settlement: Negotiating favorable settlement terms with debtors.• Documentation and Reporting: Maintaining accurate records of debt recovery activities.• Collaboration with Stakeholders: Working with other departments to enhance recovery processes.• Customer Communication: Professional and ethical communication with debtors.• Performance Monitoring: Implementing KPIs to monitor team performance.• Continuous Improvement: Identifying areas for improvement and implementing best practices.• Risk Mitigation: Assessing potential risks and implementing mitigation measures.• Customer Service: Balancing debt recovery with maintaining positive customer relationships.

Nairobi County, Kenya

In charge of managing and recovering debts owed to the bank, safeguarding the financial health of the bank by effectively managing and recovering debts while maintaining a customer-centric approach.• Debt Recovery Strategy Development and Management• Develop and implement debt recovery strategies aligned with bank's objectives.• Analyze market trends and debtor behavior for optimized recovery approaches.• Manage and lead a team of debt recovery professionals.• Conduct regular reviews and analysis of the bank's debt portfolio.• Ensure legal compliance and stay informed about changes in debt recovery legislation.• Negotiate and settle with debtors to reach favorable settlement terms.• Maintain accurate records of all debt recovery activities and submit regular reports.• Collaborate with other departments and external agencies for enhanced recovery processes.• Communicate with debtors professionally and ethically.• Monitor performance using KPIs and take corrective actions.• Identify areas for improvement and implement best practices.• Assess potential risks and implement mitigation measures.• Balance debt recovery with maintaining positive customer relationships.

Nairobi, Kenya

Managing various aspects of the credit process to ensure sound lending practices and maintaining the quality of the loan portfolio, managing credit risk, and ensuring compliance with internal policies and regulatory requirements.• Implementation of credit policies and procedures.• Oversight of credit application processing.• Risk assessment of potential borrowers.• Management of collateral offered by borrowers.• Documentation and compliance of credit transactions.• Monitoring and reporting of loan portfolios.• Review and renewal of existing credit facilities.• Customer communication of credit decisions.• Credit Committee support and participation in meetings.• Credit training and education for staff involved in the credit process.• Customer relationship management to understand customer needs and credit requirements.• Default and recovery management and resolution of non-performing loans.• Continuous improvement of credit administration process.

Nairobi, Kenya

Overseeing and coordinating the activities of a team engaged in providing microfinance loans and services, ensuring the success of microfinance initiatives, managing the team's performance, and contributing to the overall growth and sustainability of the bank's microfinance lending operations.• Micro Finance Lending Team Leadership.• Leading and supervising a team of professionals.• Setting clear performance targets and monitoring against them.• Managing customer relationships and ensuring excellent service.• Overseeing credit application processing and adherence to credit policies.• Assessing and managing credit risk associated with microfinance lending activities.• Providing training and developing skills within the team.• Monitoring and analyzing the performance of the microfinance loan portfolio.• Generating and analyzing reports related to microfinance lending activities.• Ensuring compliance with regulatory requirements and internal policies.• Collaborating with other departments and external partners.• Identifying opportunities for innovation and process improvement.• Fostering a positive and collaborative team culture.• Addressing and resolving team issues and challenges.

Nairobi, Kenya

Managing the credit evaluation process for microfinance loan applications, maintaining the quality of the microfinance loan portfolio, managing credit risk, and contributing to the overall success of microfinance lending operations.• Credit Assessment: Evaluating microfinance loan applications to determine applicant creditworthiness.• Risk Management: Assessing and managing credit risk associated with microfinance lending.• Credit Decision Making: Making informed decisions based on applicant's financial position, repayment capacity, and credit history.• Customer Interaction: Collaborating with microfinance clients to gather additional information and provide loan terms and conditions.• Documentation: Ensuring accurate and complete documentation of all loan applications.• Compliance: Ensuring all lending activities comply with regulatory requirements and internal policies.• Loan Monitoring: Monitoring loan performance and identifying early repayment difficulties.• Collaboration: Collaborating with other departments to streamline processes and resolve issues.• Training and Development: Staying updated on microfinance lending products, policies, and industry best practices.• Customer Education: Educating clients on loan terms, repayment obligations, and financial literacy.• Reporting: Generating reports on credit application processing, approval rates, and portfolio performance.• Problem Resolution: Addressing and resolving issues related to the credit evaluation process.• Ethical Practices: Upholding bank's values and maintaining professionalism.

Master Of Arts - Ma, Organizational Leadership

Bachelor'S Degree, Education