Fridah Mutinda
Credit Risk Analyst
Nairobi,30
Summary
With over six years of experience in microfinance and Fintech, my expertise as a credit analyst lies in evaluating creditworthiness and managing risk in diverse financial environments. I have conducted thorough credit assessments and utilized data analytics to drive informed decision-making. By developing tailored financial solutions for clients, I consistently enhance credit policies and processes, resulting in improved portfolio performance and reduced default rates. My passion for leveraging technology to improve lending practices drives me to thrive in dynamic settings where innovation meets financial inclusion. I am dedicated to empowering underserved communities while ensuring sustainable growth for the organization.
Overview
2025
2025
years of professional experience
3
3
years of post-secondary education
2
2
Languages
Work History
Credit Analyst
Aventus Group-Lend Plus
Nairobi, Nairobi Province
3 2023 - Current
- Contributed to 15% more accurate loan evaluations by supporting data collection and analysis of potential borrowers
- Improved documentation accuracy by 15% and accelerated decision-making by assisting in credit memo preparation
- Reduced processing time by 20% and enhanced customer satisfaction through efficient support in credit transaction closings
- Achieved a 30% decrease in compliance issues by collaborating on KYC/due diligence detecting fraudulent applications
- Increased alignment with organizational objectives by 10% through vigorous analysis of applicant data
- Maintained a 90% on-time repayment rate and improved portfolio performance by updating Customer Relationship Management metrics regularly
- Achieved a 95% resolution rate for credit-related customer queries, fostering trust and loyalty
- Enhanced operational efficiency by 5% through successful execution of additional organizational duties
Credit Analyst
Kwick Credit Limited
Nairobi, Nairobi Province
01.2020 - 02.2023
- Successfully analyzing and evaluating the creditworthiness of small and medium-sized enterprises, resulting in improved accuracy in lending decisions by 5%
- Developing and implementing credit risk assessment models specifically tailored for SME clients, leading to decreased default rates and increased profitability for the organization by 10%
- Building strong relationships with SME clients by providing valuable insights and financial advice, ultimately contributing to a higher client retention rate by 20%
- Contributing to the development of new credit products or services specifically designed for SMEs, leading to business growth by 10% fostering opportunities and improved market positioning
- Developing a comprehensive risk assessment framework for log book credits, resulting in more accurate lending decisions and lower default rates by 5%
- Supported the sales team in negotiating favorable terms, balancing business growth and credit risks effectively.
- Identified potential problem loans early on through ongoing monitoring activities, enabling prompt remedial actions when needed.
Loan Officer
Kwick Credit Limited
Nairobiby, Nairobi Province
11.2016 - 12.2019
- Successfully managing and growing portfolio of SME clients, resulting in increased loan disbursements and revenue for organization by 5% every month.
- Developing strong relationships with SME clients, leading to high client satisfaction and retention rates by 10 %
- Implementing effective credit risk assessment processes that led to a reduction in non-performing loans within SME segment by 2%
- Contributing to development of new loan products or services tailored for SMEs, addressing their specific financial needs and driving business growth opportunities
- Playing a key role in providing financial literacy and support to SME clients, helping them improve their financial management practices and ultimately contributing to their success
Intern
Machakos County Government
Machakos, Machakos District
01.2016 - 07.2016
- Establishing strong partnerships with local schools, sports clubs, and non-profit organizations, enhancing collaboration and resource sharing to promote sports and healthy living in the community
- Successfully designing and implementing community outreach programs that increased local participation in sports, such as youth clinics, workshops, and events, resulting in a measurable increase in community involvement
- Developing programs aimed at promoting diversity and inclusion in sports, resulting in increased participation from underrepresented groups and enhanced community cohesion
Intern
Smilep Kenya Limited
Nairobi, Nairobi Province
08.2014 - 12.2014
- Implementing outreach campaigns in local communities to raise awareness about the importance of saving, resulting in increased participation in savings programs and enhanced community engagement by 20%.
- Successfully organizing and facilitating workshops that taught community members about savings strategies, budgeting, and financial literacy, leading to improved understanding and practical skills
- Launching community savings challenges that incentivized participants to save consistently, fostering a culture of saving while building camaraderie among participants
Education
Certificate - Virtual Assistant
ALX Africa
07.2024 - 09.2024
Certificate - Financial Modelling and Valuation Analyst
Corporate Finance Institute
07.2022 - 09.2022
Certificate - Digital Customer Service
Generation Kenya
03.2022 - 04.2022
Diploma - Community Development
Zetech University
Nairobi, 30 01.2014 - 12.2016
Skills
Loan underwriting
Credit Scoring methods
Risk management skills
Due Diligence procedure
Cash flow analysis
Analytical and critical thinking skills
Attention to detail and accuracy
Excellent communication skills
Loan portfolio management
Loan Documentation
High risk account reviews
Oral and written communications
Statement Review
Data Compilation
Credit Scoring
Term negotiation
Personal Information
Nationality: Kenyan
Timeline
Certificate - Virtual Assistant
ALX Africa
07.2024 - 09.2024
Certificate - Financial Modelling and Valuation Analyst
Corporate Finance Institute
07.2022 - 09.2022
Certificate - Digital Customer Service
Generation Kenya
03.2022 - 04.2022
Credit Analyst
Kwick Credit Limited
01.2020 - 02.2023
Loan Officer
Kwick Credit Limited
11.2016 - 12.2019
Intern
Machakos County Government
01.2016 - 07.2016
Intern
Smilep Kenya Limited
08.2014 - 12.2014
Diploma - Community Development
Zetech University
01.2014 - 12.2016
Credit Analyst
Aventus Group-Lend Plus
3 2023 - Current
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