PERSONAL INFORMATION

Date of Birth: **th September 1982

Cell Phone: +254-***-***-*** / +254-***-***-***

P.O. Box: 6006-00300 NAIROBI

Email: adxif1@r.postjobfree.com

adxif1@r.postjobfree.com

National ID: 22611553

CAREER OBJECTIVE

An experienced Banker in Business Development, Relationship Management and Branch Management having worked for more than Sixteen (16) years in Financial Institutions and registered consistent good performance that has enhanced the shareholder value with proven skills in people management, operational and credit risk management, customer service and relationship management and overall management of business units.

EDUCATION BACKGROUND

2016 - 2019 : The Presbyterian University of East Africa – BBA

(Bachelor Business Administration, Management and Organization Behavior )

Presbyterian University of East Africa

2015 : ( I Sem & II Sem : Diploma Business Administration)

2014 : (I Sem & II Sem : Certificate in Business Administration)

2001 - 2004: Pago Airways & Training Institute - Air Travel

( Foundation Course I - Certificate)

( Consultant level II -Diploma )

1997 – 2000: Nyeri Baptist High School : K.C.S.E

1989 – 1996: Sunflower Academy Primary School : K.C.P.E

COMPUTER KNOWLEDGE

-MS Office suite,

-Bankers realm,

-FOS, BRAINS and E-BOX.

KEY COMPETENCIES/SKILLS

-Ability to meet strict deadlines.

-Effective team leader and team player.

-Easily adaptive and flexible to new environment.

-Self motivated able to work with minimum supervision.

-Strong Networking & Relationship Management Skills.

-Strong Negotiation and Marketing Skills.

-Leadership, Planning and Strategy.

RECOGNITION

1)2007 - Barclays Bank –2nd Runners up Account/Deposits ICEA 2007

2)2008 - Barclays Bank – Best in Accounts/Deposits – Thika Region

3)2019 - Key Microfinance Bank

Appointed as Rebranding & Marketing & Capital Call Champion

4)May 2019 – Appointment as a Capital Call Champion

5)June 2019 - Appointed as the Banks Anti Money Laundering Officer

WORKING EXPERIENCE

CURRENT EMPLOYER

Oct 2022 to Date: Business Development Manager.

Liability Department - LOLC Kenya Microfinance Bank PLC

Job Objective

Ensuring the planned growth in the liability portfolio.

Manage deposit portfolio ( Especially through continuous engagement with large deposit holders and relevant branches)

Creating sales culture for deposit acquiring – Existing base through supreme clients.

Developing a sustainable deposit acquisition plan for the Bank.

Developing and Maintaining liability product logic and portfolio.

Carrying out awareness and marketing campaigns liaising with business development, sales and product teams.

Supporting the business with lending business through canvassing the lending products

Primary Responsibilities

Involvement in development and implementation of liability growth strategy for the assignment product lines and services.

Development of tactics and strategic initiatives and holding ownership.

Acting as the primary point of contact for liability products.

Achievement of the set individual acquisition and growth targets.

Ensuring 100% completion of documentation and other process requirements pertaining to the on – boarded/canvassed deposits.

Providing the guidance to other departments, and carrying out trainings on liability products as required.

Involvement in identifying market needs/ market intelligence, best practices and providing insights and information to business development and products teams.

Involvement and planning and conduct marketing initiatives and campaigns aimed at liability business drive liaising with business development, products and sales teams.

Involvement in marketing communications.

Achieving of sat asset targets/ contribution to lending business.

Secondary Responsibilities

Active engagement in the organization – wide business development activities and operational activities.

Active engagement in IT Projects and new developments.

2019 – 2023 Key Microfinance Bank PLC

Anti-Money Laundering Risk Officer

(MLRO) Job Responsibilities

Handle the preparation work and management of inspections by the regulator.

Responsible for monitoring lapses in a company’s AML system and everything related to it.

Analysis of financial records, regulation of the company’s AML policy and financial crime prevention.

Ensuring the firm’s AML compliance.

Reporting suspicious activity/ suspicious transaction FRC.

Handling issues connected with a company’s senior management, e.g. disclosure of money laundering affairs.

Develop policies internally relating to AML in the company and oversee the implementation of those policies.

Work to develop AML guidance materials, training resources, and controls.

Advise senior management of any likely implications of changes to internal policies.

Implement the annual AML plan and perform the relevant quality assurance checks to ensure adherence of POCAMLA Act.

Identify, investigate, and resolve all activities that are deemed noncompliant.

January 2020 – October 2022: Branch Manager – Meru

KEY Microfinance Bank PLC Formerly REMU MFB LTD

Purpose of the role

In charge of Business Development team target on loans, accounts, deposits and portfolio at risk while carrying out personal target in line of business growth and providing leadership in business growth.

Overall branch management by overseeing operational risk, operational control, customer service and cash management.

Responsibilities

Lead branch staff and was responsible for the co-ordination of all branch staff, managing branch operations and customer service.

Championing performance development, ensuring team members are adequately trained and hence developing their capabilities and this led to productivity.

Ensure compliance to the industry and regulatory requirements in banking operations processes.

Implement processes and standards that enhance best practices in cash management to reduce CIT costs, risks and ensure compliance to regulatory requirements.

Oversee quality of loan book and supervise branches to deliver operational and business development targets.

Provide leadership, coach and develop a high performing operations team throughout the network.

Ensure all internal accounts are reconciled timely in line with the MFB policy and Regulator requirements.

Provide operational/business reports and returns required by Head office and regulator Central Bank

Unique Opportunities and Achievements

Involved in the design of the LOLC Kenya MFB current cheque book and ATM card.

Promoted a culture of team work through effective leadership & mentorship of the staff.

Reduction of costs through training and continuously sensitizing staff on ways and importance of cost reduction

Promoted a culture of team work through effective leadership & Mentorship of Staff.

REMU Microfinance Bank Ltd : Oct 2015 To 2019

Position Held : Business Development Manager

: Marketing Champion

Plan, organize and coordinate activities in the branch and ensure sufficient economical operations and efficient service delivery.

Responsible for the branch set targets on number of accounts, deposit mobilization and loan book.

Marketing new micro-finance business

Ensure strong adherence to anti money laundering (AML) and know your customer (KYC) policy guidelines.

Responsible for branch cash management

Responsible for monitoring operations and day to day business of the branch.

To effectively manage the staff and functions of the Branch

Ensuring that a professional and excellent customer & client service is provided

Lead business growth and development at the branch from the front.

Ensure overall company policy and objectives are adhered to.

Custodian of Branch’s assets.

The chairman to the branch credit committee.

REMU Microfinance Bank Ltd : 2015

Position Held : Operations Officer

Handle a supervisory role over the tellers and customer service officers

Ensure strong adherence to anti money laundering (AML) and know your customer (KYC) policy guidelines.

Supervising operations and day to day business of the branch

Account Opening monitoring.

Monitoring of New Accounts.

Dormant account management.

Account Closure.

Management of cash limits.

Cash repatriation in the branch or across our branches.

Custodian of Bank’s keys.

Control and maintenance of keys register.

Management of ATM cards and PIN Mailers.

Inter-branch transaction management.

Ensure safe custody of cash and branch daily float management.

Daily and monthly report preparation.

Oversees the implementation of the internal control systems, ensuring the smooth running of the business.

Operations Achievements

- Highly knowledgeable and experienced in branch operations during my tenure which help to deal with customers and back office duties.

- I have been able to operate in a fast paced environment while quickly evaluating and react to challenging operational risk exposure and drive teams to provide results.

REMU MICROFINANCE BANK LTD : May 2010 - 2014

Position Held: Business Development Officer

Marketing the new micro-finance business

Conducting market intelligence and competitors analysis

Responsible for the individual targets on number of accounts, deposit mobilization and growth of the loan book.

Credit appraisal and evaluation.

Loan origination, sanctioning and disbursal.

Post disbursement loan management.

Security perfection-land valuation and charge processes, motor vehicle joint registration and chattel mortgage and registration processes.

Portfolio management.

Maintaining of a quality portfolio.

Debt recovery.

Report generation and preparation.

Business Development Achievements.

I have the responsibility to ensure that potential customers are not a financial hazard to the lending institution.

I can provide timely and organized responses to customer questions and disputes.

Good negotiation and influencing skills have also helped me when dealing with customers who may not meet the criteria for credit or a loan.

Making the customer to understand the fees and charges involved in choosing and maintaining their choice of products/ services offered by the bank.

The role has helped with written and oral communication skills which are important, especially when dealing with client and staff enquiries and when processing applications.

I have trained and am aware of the control procedures such as reputation risks, operation risks, negotiation skills, customer service customer complaint handling, and personal etiquette.

I have familiarized myself with the DTM services and products procedures and policies.

Am able to work under minimum supervision and able to adapt to procedures and policies easily as I create the need to my customers to continue using our products and services in order to help the business meet the laid goals and set targets.

Am trust worthy I can work with utmost integrity in keeping track of my customer’s documents and providing suitable loan structures based on clients requirements.

Manage loan port folio.

Recruit group clients and organizing training that caters for the various categories of clients.

Anglican Church of Kenya - St Thomas Huruma Parish

Volunteering to Church Services on Sunday

Parish Treasure : January 2012

Signing of cheques in accordance to the church policies and procedures and verifying supporting data for each cheque request.

Keeping church staff and appropriate committee informed and processing payroll.

Ensure that computer files are backed up weekly, at a minimum monthly, and the back-ups are stored in a safe.

Supervise daily cash balances to ensure sufficient funds are maintained.

Maintains filing system and storage system for all financial records and banking records for easy retrieval.

Preparing and maintaining records for individual contributions. Records for annual audit.

Suggesting possible investment opportunities concerning any funds the church wishes to hold.

Assists in the preparation of the annual budget.

Perform bank reconciliation each month.

Achievements.

I have learnt to exhibit willingness to work cordially with people and I have the ability to be fair minded, keep church financial affairs in a trustworthy way.

Barclays Bank of Kenya: January 2007

Position held: Customer Advisor

Marketing and building up portfolios of asset, liability retail customers.

Generation of sales – loans, credit cards an account and maintaining customers service.

Aiding customers in loan, credit cards and account application.

Generation of retail banking business through sales promotion.

Deepening relationships with existing customers through cross selling.

Relationship management for the new retail customers.

Handling customers queries and complains.

Making sure that the new and existing customers adhere to the requirements stipulated by the organization policies, procedures and control measures.

Achievements.

Successfully learnt how to handle customer’s queries and complains.

Learnt to do e-box and effectively input customer’s details as per the application and supporting documentation.

Learnt the bank systems and can effectively work with FOS, BRAINS and E-BOX.

Through regular coaching, I have in depth knowledge in customer’s service, sanctions and AML.

Being trustworthy has enabled me to handle customer’s documents with utmost integrity and secrecy.

Have attained certificate of performance (best sales person) in the year 2007-2009

Hartebeest Tours & Safaris: October 2005

Position Held: Sales and Marketing/travel consultant

Generation of new customers through sales, prospecting calls, out marketing and presentation.

Selling hotel accommodations, tour packages, conference facilities, air tickets.

Costing safaris and preparing itineraries.

Leasing with hotels, resorts and transport to ensure customers are comfortable.

Obtaining feedback useful for the company for customer service improvement.

Spirit of Adventure & Safaris: January 2004

Position Held: Sales Executive

Selling tour packages, Hotel accommodation and conferences.

Maintaining close relationship with clients and follow ups of new and old customers.

Sourcing and identifying new markets for international and domestic clients.

Booking clients appointments and handling customer’s enquiries.

Undertaking credit controls, debt collection and general administration work of the office.

Making clients and companies reservations.

PERSONAL INTEREST AND HOBBIES

-Community Service

-Outdoor sports and activities

-Travelling

-Sports

-Swimming

REFEREES

1. Gayan Premadasa

Head of Business

LOLC Kenya Microfinance Bank PLC,

NAIROBI

P.O.Box 208**-***** NAIROBI

+254-***-******

2. Patrick Karanja

Cross Sales Manager

Barclays Bank of Kenya

P.o Box 187**-*****

Nairobi

Tel: +254-***-***-***

3. Johanna Gagi

Finance Manager,

Premier Credit Limited Kenya,

P.O.Box 212**-*****,

NAIROBI

+254-*********

Contact this candidate