Credit Analysis Associate - Risk & Portfolio Management
Resume:
Kevin Pius Michael
***********@*****.*** / Po Box 18180 Dar es Salaam / +255********* / +255********* Credit Analysis Associate
Ramani IO Company May 2025 – Present
● Develop a strong understanding of credit operations, evaluation processes, risk identification, workflow systems, and company policies. Participate in the review, update, and development of key credit policies and compliance frameworks on a yearly basis to ensure alignment with regulatory and internal standards.
● Oversee a credit portfolio for MSME unsecured lending segments. Prepare daily and weekly management reports focusing on key portfolio metrics, including loan aging reports, Outstanding balances, and KYC documentation tracking. These efforts strengthen portfolio management, ensure compliance with internal and regulatory standards, and support targeted credit risk mitigation strategies.
● Maintain a portfolio default rate below 5% for unsecured loans by conducting accurate reviews of new loan applications across various industries, including construction. Perform in-cycle monitoring and develop strategic conditions to enhance loan performance.
● Manage end-to-end daily credit operations, approving an average of 7% of the whole portfolio in transactions per day for existing clients while ensuring compliance with loan products and risk policies.
● Ensure full credit compliance by preparing Credit Info Reports in line with Bank of Tanzania
(BOT) regulations and submitting monthly reports as required.
● Successfully completed a Credit Course and obtained a Certificate in Commercial Banking and Credit Analysis, enhancing credit assessment skills and operational efficiency.
● Maintain end-to-end communication with relevant stakeholders involved in collections and recovery processes for defaulted clients.
● Participate in the development and implementation of management policies, resulting in improved portfolio quality by reducing default rates to below 5% and increasing collection efficiency to a 70% recovery rate within a 30-day cycle. Rehabilitation Supervisor
Ramani IO Company (HQ), Dar es Salaam May 2024 – April 2025
● Participated in reviewing, revising, and overseeing the Loan Management Playbook for delinquent clients, managing a credit portfolio of unsecure MSME Loans.
● Directly led client rehabilitation initiatives, achieving a rehabilitation rate of over 90% across a total credit book. This was accomplished through structured follow-ups, including phone calls, physical visits, development of tailored repayment plans, and issuance of reminder notices, demand letters, and pressure letters.
● Participated in risk management meetings with key stakeholders to identify high-risk clients, recommend corrective actions, and develop strategies to reduce Non-Performing Loans (NPLs).
● Successfully recommended and supervised settlement plans for clients facing financial challenges, resulting in the collection of 80% within one year. Field Agent
Ramani IO Company November 2021 – August 2023 (Arusha) Transferred to HQ September 2023 – April 2024
● Managed and onboarded approved MSME clients for unsecured loan products across the Northern Zone, including Arusha, Kilimanjaro, Singida, Manyara, and Tabora.
● Maintained strong customer relationships with over 18 key clients in the Northern Zone, achieving zero client churn for more than one year.
● Served as Team Lead for Field Agents for one year, supervising over 20 field agents across five regions: Arusha, Dar es Salaam, Mwanza, Dodoma, and Mbeya.
● Participated in special projects involving onboarding, training, and management of a major client operating five warehouses in Kenya (Nairobi, Kitale, Nakuru, Mombasa, and Kisumu), managing a portfolio worth approximately KES 500 million.
● Managed and mitigated default risk by conducting stock audits, close account monitoring, physical visits, and regular client follow-ups for the Northern Zone portfolio.
● Contributed to business growth by referring at least three high-potential clients and maintaining a portfolio churn rate below 1%.
● Participated in an end-to-end new financing project within the fuel industry, organizing assets and facilitating the sale of over 1.5 million liters of fuel within the first three months of operations.
● Developed in-depth operational knowledge of the fuel industry, ensuring timely loading of products, proper record-keeping, and effective reporting of operational challenges.
● Prepared monthly performance reports detailing total sales, operational challenges, and strategic recommendations for project improvement.
Additional Information
● Certification; Certificate of Commercial banking and Credit analyst
● Language; English (Fluent) Swahili (Native)
● Interests; Farming, Physical fitness and workouts, Football, Table tennis Referees
● Karamael Malisa / Senior Credit manager / Ramani Finance Company *******@****.**.**
● Charles Mbatia / Head Of Strategies & Sustainability at NCBA Bank Tanzania / *************@*****.*** +255*********
● Irene Uisso / People and Culture Function support / JTI / ************@*****.*** / ************@*****.*** +255*********
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