CLEMENT KHISA MASINDE
Summary
Corporate Banking and Finance professional with 8+ years’ experience in business development, client acquisition, and strategic partnerships within the banking sector. Proven track record in expanding loan portfolios, onboarding corporate schemes, and strengthening institutional client relationships. Skilled in corporate lending, trade finance, and agribusiness financing with strong compliance and risk management expertise. Adept at stakeholder engagement, product innovation, and execution of growth strategies aligned with organizational goals.
Professional relationship manager prepared to drive impactful client engagement strategies and foster strong business connections. Skilled in negotiation and conflict resolution, ensuring productive and enduring partnerships. Known for collaborative approach and commitment to achieving team objectives while adapting to dynamic business needs.
Experienced leader with strong background in guiding teams, managing complex projects, and achieving strategic objectives. Excels in developing efficient processes, ensuring high standards, and aligning efforts with organizational goals. Known for collaborative approach and commitment to excellence.
Overview
12
12
years of professional experience
Work History
Business Relationship Manager
KCB Group Plc – Ruiru Branch
07.2019 - Current
- Developed and nurtured strategic relationships with corporate clients, maximizing business potential and wallet size.
- Led acquisition of new institutional clients, including government and corporate schemes, ensuring sustainable portfolio growth.
- Conducted in-depth market and sector analysis (agribusiness, manufacturing, trade) to identify opportunities and mitigate risks.
- Packaged and presented tailored value propositions to corporate clients, driving uptake of deposits, loans, and trade finance products.
- Coordinated with product teams to cross-sell insurance, digital banking, and treasury solutions to corporate clients.
- Implemented AML/CFT compliance measures, monitored suspicious transactions, and prepared regulatory reports in line with CBK guidelines.
- Supervised a team of 15 staff, providing coaching, structured weekly planning, and performance monitoring to enhance productivity.
- Organized quarterly Advantage Customer meetings for product sensitization and feedback collection, improving customer satisfaction.
- Represented the bank in fraud-related court cases, safeguarding reputation and reinforcing stakeholder trust.
- Collaborated with county government to design and roll out agricultural loan schemes, supporting farmers and cooperatives.
- Streamlined customer onboarding and complaint resolution processes, reducing turnaround time and improving service delivery.
- Key Achievements:
- Expanded branch loan book by KES 1.2 Billion, driving revenue growth and market share.
- Onboarded 10+ corporate and government schemes for check-off loans, strengthening institutional client base.
- Increased customer retention by 30% through quarterly Advantage Customer meetings and tailored product sensitization.
- Conducted market analysis that led to the launch of new agricultural loan products in partnership with county government.
- Achieved 100% compliance with CBK AML/CFT guidelines while enabling sustainable business growth.
- Boosted team productivity by 25% through structured weekly planning, coaching, and performance monitoring.
- Represented the bank in fraud-related court cases, safeguarding reputation and reinforcing stakeholder trust.
- Streamlined customer onboarding and complaint resolution processes, reducing turnaround time by 40%.
- Secured KES 300M in deposits from corporate clients through relationship-driven acquisition strategies.
- Increased cross-selling of trade finance and insurance products by 20%, enhancing non-funded income streams.
- Strengthened agribusiness portfolio by financing 200+ farmers and cooperatives, supporting county-level agricultural development.
- Supported sales teams by providing subject matter expertise during complex deal negotiations.
- Developed customized solutions in response to unique client needs, fostering long-term partnerships.
- Championed corporate social responsibility initiatives that aligned with company values and positively impacted the community.
- Managed a portfolio of key accounts, ensuring consistent revenue generation and account retention.
- Strengthened client relationships by consistently delivering high-quality service and support.
- Coordinated regular meetings with clients to review performance metrics and discuss areas for improvement.
- Maintained knowledge on banking products and distribution to provide optimal service support.
- Communicated regularly with clients to understand needs, evaluate current product use and cross-sell new products.
- Achieved or exceeded company-defined sales quotas.
- Set and achieved company defined sales goals.
Direct Sales Representative (DSR)
KCB Group Plc – Webuye Branch
06.2016 - 07.2019
- Prospected and acquired new retail and corporate clients, expanding the branch’s customer base and market visibility.
- Promoted and cross-sold bank products including loans, savings, insurance, and mobile banking solutions.
- Conducted client needs assessments and packaged tailored financial solutions to meet diverse customer requirements.
- Led aggressive sales campaigns targeting SMEs, agribusiness clients, and salaried employees to drive loan uptake.
- Educated customers on responsible borrowing and repayment practices, reducing default risks.
- Coordinated with branch operations to ensure smooth loan processing, disbursement, and compliance with credit policies.
- Monitored loan performance and proactively engaged clients to minimize non-performing loans (NPLs).
- Conducted market research and competitor analysis to identify opportunities for product penetration and branch growth.
- Organized and facilitated promotional events and roadshows to increase brand awareness and customer acquisition.
- Provided leadership and mentorship to a team of 10 sales staff, fostering cohesion and driving consistent achievement of sales targets.
- Maintained accurate sales records and prepared weekly performance reports for management review.
- Built strong client relationships that resulted in repeat business and referrals, contributing significantly to branch growth.
- Boosted sales performance by developing and executing targeted marketing strategies.
- Provided comprehensive product training to new hires, contributing to their rapid integration into the sales team.
- Enhanced customer satisfaction by providing customized product solutions and building rapport through exceptional communication.
- Collaborated with team members to exceed sales targets, fostering a competitive yet supportive environment.
- Prioritized time management skills to handle multiple client accounts simultaneously while maintaining high-quality interactions.
- Streamlined sales process by implementing efficient CRM systems for improved data management and tracking.
- Stayed abreast of industry trends by attending relevant conferences, workshops, networking events, thereby enhancing overall sales acumen.
- Informed customers of promotions to increase sales productivity and volume.
- Monitored service after sale and implemented quick and effective problem resolutions.
- Gained customer trust and confidence by demonstrating compelling, persuasive and composed professional demeanor.
- Performed effectively in self-directed work environment, managing day-to-day operations and decisions.
Finance Officer
Masterpiece Courier Services Ltd
09.2015 - 05.2016
- Developed cost analysis reports that improved profitability by 12%.
- Ensured compliance with statutory financial regulations.
- Prepared financial statements and reconciliations for accurate reporting.
Assistant Accountant
Omaera Pharmaceutical Ltd
05.2014 - 09.2014
- Supported financial reporting and account reconciliation processes.
- Managed accounts payable and receivables, improving cash flow efficiency.
Education
Master of Business Administration (MBA) -
Kibabii University
Bachelor of Commerce - Finance
Kenyatta University
CPA Part I - undefined
Skills
IFMIS (Integrated Financial Management Information System)
Microsoft Excel, Word, PowerPoint
Internet & Mobile Banking Systems
Data Analysis Tools
Timeline
Business Relationship Manager
KCB Group Plc – Ruiru Branch
07.2019 - Current
Direct Sales Representative (DSR)
KCB Group Plc – Webuye Branch
06.2016 - 07.2019
Finance Officer
Masterpiece Courier Services Ltd
09.2015 - 05.2016
Assistant Accountant
Omaera Pharmaceutical Ltd
05.2014 - 09.2014
Bachelor of Commerce - Finance
Kenyatta University
CPA Part I - undefined
Master of Business Administration (MBA) -
Kibabii University