CHARLES MAGETO OGOTI
Summary
Knowledgeable investments and credit specialist with five years of experience in credit operations, boasting a solid history of managing teams and driving operational success.
Overview
6
6
years of professional experience
Work History
Credit Risk Analyst
Sevi Innovation Limited.
03.2025 - Current
- Reviewing and verifying credit applications to assess the completeness and accuracy of loan applications, including supporting documents like income statements and bank statements.
- Conducting credit analysis and evaluating the borrower's financial history, credit score, debt-to-income ratio, and other relevant factors to assess their ability to repay.
- Verifying details, contact references and cross-checking of data to ensure accuracy.
- Preparing reports and recommendations for credit managers and loan officers to set and review credit limits.
- Credit limit optimization.Adjusting credit limits to balance risks associated with sales opportunities.
- SLA Management.Ensuring credit checks and approvals meet designated turnaround times.
- Training sales representatives on verification protocols and company expectations;fostering adherence to company policies and best practices.
Deliquency Officer HDPD
Mogo Auto Limited.
01.2022 - 01.2024
- Analyzed 200+ accounts monthly to assess adherence to payment plans, identifying discrepancies and improving compliance rates by over 35% through targeted follow-up actions with clients.
- Submitted data under company policies, data security protocols and local legislation.
- Analyzed information pertaining specifically to late payments among 40+ clients monthly; developed tailored action plans based on individual circumstances, boosting successful follow-ups during initial contact stages.
- Spearheaded robust data analysis efforts focused on identifying patterns in debtor behaviors during skip tracing activities; findings led to improved targeting strategies that enhanced collections by 15%.
- Achieved set objectives for debt recovery on time through strategic planning and targeted outreach efforts, reaching out daily across diverse demographics, leading to increased customer engagement.
Sales and Marketing Team Lead
MOGO AUTO LIMITED
01.2021 - 01.2022
- Orchestrated and executed marketing campaigns across the Coast region, achieving a 30% increase in local dealership inquiries within six months through targeted outreach strategies and community engagement initiatives.
- Executed strategic planning for each phase of project development, including coordinating resources and timelines across teams; delivered projects on time while addressing operational challenges that increased team efficiency by 30%.
- Initiated dealer recruitment processes that verified eligibility for six new outlets as part of an aggressive regional strategy aimed at strengthening competitive positioning among existing players.
- Conducted personalized coaching with each of the eight new regional marketing officers on effective promotional techniques; created tailored action plans leading to increased engagement metrics within three months post-training.
- Fostered collaboration among a network of over 20 local dealerships; implemented feedback sessions to identify operational challenges, which improved overall service levels within the territory leading to higher dealer retention.
- Directed and optimized route management strategies, improving operational efficiency by reducing average delivery times from 48 hours to just 24 hours for regional sales teams across the territory.
- Innovated and streamlined two unique sales platforms focused on servicing untapped demographics, which led to doubling the outreach efforts within six months while fostering stronger dealership partnerships.
- Initiated location-based promotions targeting specific demographics; captured interest from previously untapped markets, which resulted in adding approximately 150 loyal customers across three key regions during the campaign duration.
Loans Agent Team Lead
MOGO AUTO LIMITED
01.2020 - 01.2021
- Compiled comprehensive reports detailing customer outreach and sales performance, delivering actionable insights to the line manager; facilitated strategic decision-making that contributed to a 15% increase in new loan approvals.
- Developed automated tools to compute accurate payment schedules based on varying interest rates; streamlined processes reduced computation time by over 20 hours each month for loan agents.
- Executed comprehensive KYC procedures, verifying over 200 customer identities monthly and implementing fraud prevention measures that resulted in a 30% reduction of fraudulent applications within the first quarter.
- Conducted individual follow-up discussions after each presentation session with an average response rate exceeding 80%; identified three major factors affecting user experience, leading towards actionable improvements discussed internally.
- Analyzed recurring issues related to incomplete documentation in loan applications; findings addressed three major bottlenecks resulting in enhanced turnaround times without compromising quality during review stages.
- Fulfilled essential managerial functions, replacing the regional manager, creating structured training plans which improved onboarding efficiency from four weeks down to three weeks for new hires joining the team.
- Developed and implemented a comprehensive training program for new hires, resulting in a 25% reduction in onboarding time while enhancing team productivity within the first three months of employment.
- Devised comprehensive action plans to strengthen routine adherence among team members; facilitated weekly check-ins, reminding staff of critical regulatory requirements, leading to zero compliance breaches during fiscal audits.
- Led collaborative discussions during monthly meetings focused on setting clear objectives; refined communication of goals resulted in improved team accountability and exceeded quarterly performance metrics by an average of 20%.
- Drove engagement initiatives that established rapport with both current and prospective dealers; documented findings leading to enhancements addressing top concerns from dealer feedback sessions held bi-monthly.
- Detected critical gaps in team skills and implemented targeted training programs, enhancing overall performance metrics by 25% within six months while also ensuring compliance with evolving regulatory standards.
Education
CIFA - Part two
KASNEB
01-2023
BACHELOR OF COMMERCE - Dissertation in Microfinance Awareness as a tool in poverty reduction, Finance option, Second class upper division
01-2017
KCSE - A- Academic award
01-2012
Skills
- Customer Relationship Management
- Skip tracing
- Financial Analysis
- Credit Risk Assessment
- Risk Management
- Lead generation techniques
- Teamwork orientation
- Attention to detail
- Communication and interpersonal skills
- Branch operations management
- Team supervision
Timeline
Credit Risk Analyst
Sevi Innovation Limited.
03.2025 - Current
Deliquency Officer HDPD
Mogo Auto Limited.
01.2022 - 01.2024
Sales and Marketing Team Lead
MOGO AUTO LIMITED
01.2021 - 01.2022
Loans Agent Team Lead
MOGO AUTO LIMITED
01.2020 - 01.2021
BACHELOR OF COMMERCE - Dissertation in Microfinance Awareness as a tool in poverty reduction, Finance option, Second class upper division
KCSE - A- Academic award
CIFA - Part two
KASNEB