JOYCE NYAMBURA
CREDIT OFFICER
Ol-Kalou
Summary
Results driven Senior Credit Officer with over four years of experience in the financial industry, specializing in asset, secured lending. Proven track record in originating, processing, and closing high-volume loans, while maintaining compliance with regulatory standards. Adept at building and maintaining strong client relationships, leading teams, and delivering exceptional customer service. Expert in credit analysis, risk management, and loan structuring, with a deep understanding of financial products and market trends. Committed to helping clients achieve their financial goals through tailored loan solutions and strategic guidance.
Overview
7
7
years of professional experience
7
7
years of post-secondary education
1
1
Certification
Work History
SENIOR CREDIT OFFICER
Eleving Group
02.2023 - Current
- Loan application processing (apply all underwriting rules, identify and eliminate fraud), ensuring approval of quality loans
- Achieved a retention rate of 60% by enhancing customer engagement and optimizing loan structuring
- Conducted KYC verification to ensure compliance with regulatory standards and fraud prevention
- Processed loan applications and monitored progress from start to finish, maintaining average TAT of 6 hours
- Assisted customers in understanding loan terms and conditions to make informed decisions leading to increased timely loan repayments
- Proactively identified solutions for customers experiencing credit issues
- Evaluated borrower creditworthiness through in-depth financial statement reviews, Debt to Income analysis and asset valuation
- Maintained strict confidentiality of bank records and client information
- Mentored junior loan officers, sharing expertise and knowledge to improve overall team performance
- Successfully managed high-volume pipeline of loans, consistently meeting or exceeding monthly sales targets at average of 80% achievement
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans
- Reduced loan default rate by 10% by implementing early risk detection and fraud prevention strategies
- MOGO KENYA
CREDIT OFFICER
Eleving Group
03.2022 - 02.2023
- Submitted loan applications to underwriter for verification and recommendations
- I developed strong relationships with customers through high levels of customer service
- I assisted customers in understanding loan terms and conditions to make informed decisions leading to increased timely loan repayments
- Delivered exceptional customer service by promptly addressing client concerns and resolving issues as they arose during lending process
- Strengthened client due diligence procedures, enhancing fraud detection capabilities
- Cultivated and maintained lasting relationships with satisfied clients that led to repeat business as well as referrals from friends or family members
- Meticulously reviewed applicant documentation, ensuring accuracy and completeness prior to submission for underwriting approval
- My team and I successfully managed to create and grow loan portfolio in new branch with increased client retention at 50%
- MOGO KENYA
CREDIT OFFICER - Boda
Eleving Group
07.2020 - 02.2022
- Providing accurate, detailed and comprehensive product presentation to clients
- Process customer loan application ensuring quick disbursement with average TAT of 3 hours
- Prepare and submit report to supervisors
- Entering customer information into company's IT system
- Created strategies to develop and expand existing customer sales, resulting in increase in quarterly sales at 50%
- Answering customer questions regarding loan application and processing conduct proper KYC operate as lead of contact for all matters relating to Boda Boda financing
- MOGO KENYA
CUSTOMER CARE REPRESENTATIVE
CANDY FLORA LTD
09.2019 - 12.2019
- Assisted and managed over 30 call-in customers with questions and orders
- Enhanced customer satisfaction by promptly addressing inquiries and resolving issues
- Helped large volume of customers every day with positive attitude and focus on customer satisfaction leading to increased sales by 15%
- Navigated multiple computer systems and applications to find information
- Maintained and managed customer files and databases
- Sought ways to improve processes and services provided
- Collaborated with staff members to enhance customer service experience and exceed team goals through effective client satisfaction rates
INTERN
TOWER SACCO SOCIETY LTD
10.2017 - 12.2017
- Supported staff members in their daily tasks, reducing workload burden and allowing for increased focus on higher-priority assignments
- Gained valuable experience working within a specific industry, applying learned concepts directly into relevant work situations
- Sorted and organized files, spreadsheets, and reports
- Gained hands-on experience in various software programs, increasing proficiency and expanding technical skill set
- Developed organizational skills through managing multiple tasks simultaneously while adhering to strict deadlines
- Interacted with customers by phone, email, or in-person to provide information
Education
BBA - BACHELOR OF BUSINESS MANAGEMENT(FINANCE &BANKING)
Moi University
Eldoret, Uasin Gishu 05.2015 - 04.2019
College - Data Analytics With Excel & Power BI
Moringa School
Nairobi, 30 05.2025 - Current
Kenya Certificate of Secondary Education -
Wanjohi Girls Secondary School
01.2010 - 04.2013
Skills
- Credit Risk Assessment and Underwriting
- CRM - ERP
- Analytical Thinking Strength
- Financial Statement analysis & Cash flow forecasting
- Attention to Detail Precision
- Customer service-focused
- Data Analysis
- Business Development
- MS Office Suite
- Compliance & Due Diligence
Certification
Effective bookkeeping & Payroll
Referees
Pius Mbugua Njaramba
Mogo Auto Ltd
Branch Manager
+254 722 476030
njarambapius@gmail.com
Pius Chege Kimani
Mogo Auto Ltd
Branch Manager
+254 723738450
piuskims4@gmail.com
Timeline
College - Data Analytics With Excel & Power BI
Moringa School
05.2025 - Current
SENIOR CREDIT OFFICER
Eleving Group
02.2023 - Current
CREDIT OFFICER
Eleving Group
03.2022 - 02.2023
Effective bookkeeping & Payroll
05-2021
CREDIT OFFICER - Boda
Eleving Group
07.2020 - 02.2022
CUSTOMER CARE REPRESENTATIVE
CANDY FLORA LTD
09.2019 - 12.2019
INTERN
TOWER SACCO SOCIETY LTD
10.2017 - 12.2017
BBA - BACHELOR OF BUSINESS MANAGEMENT(FINANCE &BANKING)
Moi University
05.2015 - 04.2019
Kenya Certificate of Secondary Education -
Wanjohi Girls Secondary School
01.2010 - 04.2013
Similar Profiles
Drew DicksonDrew Dickson
Project Manager at Flournoy Construction Group, A Kajima USA GroupProject Manager at Flournoy Construction Group, A Kajima USA Group
Emmanuel G. FreemanEmmanuel G. Freeman
Project Manager at Group Fitness Challenge, 325th Medical GroupProject Manager at Group Fitness Challenge, 325th Medical Group
Sharon Jayne Butler-BarnesSharon Jayne Butler-Barnes
Customer Service Representative at Citrus Group / Woolworths GroupCustomer Service Representative at Citrus Group / Woolworths Group