EDNA MWANGI
Senior Credit Risk & Control Manager
Nairobi
Summary
Senior Credit Risk and Finance Leader with over 20 years of progressive experience across banking, microfinance, SACCOs, and corporate credit environments. Proven expertise in credit risk governance, portfolio management, debt recovery, regulatory compliance, and financial performance improvement. Demonstrated success in reducing non-performing loans (NPLs), strengthening credit frameworks, and leading high-performing teams across multi-branch operations. MBA-qualified professional recognized for strategic thinking, strong analytical capability, and ethical leadership.
Overview
20
20
years of professional experience
10
10
Certifications
Work History
Credit Management Consultant & Trainer
Independent Consultant – SACCOs, MFIs & Lenders
01.2025 - Current
- Advise SACCOs, microfinance institutions, and lending organizations on credit risk management and debt recovery strategies.
- Develop and implement credit and recovery policies aligned with regulatory and best-practice frameworks.
- Design and deliver practical training workshops for credit, risk, and collections teams.
- Support institutions to reduce delinquency levels, strengthen compliance, and improve portfolio performance.
- Translate complex credit risk concepts into actionable operational tools.
Head of Recoveries
Kenya Bankers SACCO
11.2021 - 01.2025
- Ensured 100% compliance with SASRA regulations, significantly reducing regulatory exposure.
- Maintained repayment compliance above 90%, minimizing portfolio losses.
- Negotiated repayment plans and restructurings, reducing non-performing loans by 30–40% over two years.
- Reduced Portfolio at Risk (PAR) from double-digit to single-digit levels through trend analysis and targeted interventions.
- Shortened legal recovery timelines from 12 months to 6 months through process optimization.
- Implemented performance management frameworks for a team of 10 officers, improving efficiency by 20%.
Credit Training & Consultancy
Independent Practice
01.2018 - 01.2021
- Delivered credit risk, debt management, and recovery training to financial and non-financial institutions.
- Designed and facilitated workshops for SACCOs and microfinance institutions.
- Provided advisory services to debt collection agencies on best practices and operational efficiency.
- Notable clients included Mwalimu SACCO, Kenya Bankers SACCO, Choice Microfinance Bank, ECLOF, and Unaitas SACCO.
Head of Debt Recovery Unit
Unaitas SACCO
01.2016 - 01.2017
- Established and led the Debt Recovery Unit from inception.
- Led recovery operations across 20 branches managing a loan portfolio of approximately KES 13 billion.
- Devised and executed institution-wide debt recovery strategies, including loan workouts and restructurings.
- Provided technical advice on recovery matters to senior management and the Board.
- Strengthened documentation and legal processes, reducing disputes and recovery timelines.
- Built staff capacity through targeted training and performance coaching.
Credit Head – Risk & Recovery
Unaitas SACCO
01.2014 - 01.2015
- Developed and implemented credit risk mitigation frameworks and recovery strategies.
- Strengthened early warning systems to identify deteriorating loans and minimize defaults.
- Drafted and updated credit policies in line with regulatory and business changes.
- Analyzed portfolio trends and provided actionable insights to senior leadership.
Credit Manager
Unaitas SACCO
01.2011 - 01.2013
- Managed credit operations, including loan approvals, monitoring, and compliance.
- Developed and implemented credit policies and strategies to strengthen portfolio quality.
- Reduced delinquency from 35% to 13% within two years through targeted recovery initiatives.
- Designed and delivered staff training on cash flow analysis and loan structuring.
Credit Manager
Pamoja Women and Development Programme (PAWDEP)
01.2009 - 01.2011
- Managed microfinance lending operations focused on women entrepreneurs.
- Implemented credit risk controls that reduced delinquency by 50% within six months.
- Developed value-added credit products and youth empowerment programs.
- Coordinated value chain finance initiatives for agricultural communities.
SME Credit Manager
Equity Bank Ltd
01.2003 - 01.2007
- Managed SME credit portfolios, including appraisal, approval, and monitoring.
- Trained staff on loan appraisal, borrower targeting, and portfolio ownership.
- Improved lending efficiency and reduced credit risk through strengthened controls.
Credit Officer
I&M Bank Ltd
01.1998 - 01.2003
- Conducted credit analysis, loan monitoring, and risk assessment for retail and SME clients.
- Supported portfolio growth while maintaining strong credit quality.
Loans Clerk
Prime Bank Ltd
01.1995 - 01.1998
- Supported loan processing, documentation, and customer service operations.
Education
Master of Business Administration (MBA) -
Management University of Africa
KenyaBachelor of Arts - Economics
University of Bombay
IndiaSkills
Credit Risk Management & Governance
Accounts Receivable & Debt Recovery
Portfolio Management (Retail & SME)
Regulatory Compliance & Policy Development
Financial Analysis & Reporting
Risk Mitigation & Early Warning Systems
Leadership, Training & Mentorship
Strategic Planning & Execution
Stakeholder & Customer Relationship Management
Certification
Corporate Governance Training (2014)
AVAILABILITY
Open to remote and international opportunities
Timeline
Credit Management Consultant & Trainer
Independent Consultant – SACCOs, MFIs & Lenders
01.2025 - Current
Head of Recoveries
Kenya Bankers SACCO
11.2021 - 01.2025
Credit Training & Consultancy
Independent Practice
01.2018 - 01.2021
Head of Debt Recovery Unit
Unaitas SACCO
01.2016 - 01.2017
Credit Head – Risk & Recovery
Unaitas SACCO
01.2014 - 01.2015
Credit Manager
Unaitas SACCO
01.2011 - 01.2013
Credit Manager
Pamoja Women and Development Programme (PAWDEP)
01.2009 - 01.2011
SME Credit Manager
Equity Bank Ltd
01.2003 - 01.2007
Credit Officer
I&M Bank Ltd
01.1998 - 01.2003
Loans Clerk
Prime Bank Ltd
01.1995 - 01.1998
Bachelor of Arts - Economics
University of Bombay
Master of Business Administration (MBA) -
Management University of Africa