IDA NYAMBEDHA
NAIROBI
Summary
Adept at driving significant loan recoveries and enhancing customer relationships, my tenure at Cooperative Bank of Kenya showcased my exceptional relationship management and analytical skills. Spearheaded innovative debt resolution strategies, ensuring NPL ratios remained industry-leading. Excelled in optimizing portfolio health and delivering comprehensive financial solutions, demonstrating profound ingenuity and organizational prowess.
Overview
14
14
years of professional experience
1
1
Certification
Work History
Relationship Manager Corporate Remedial
Cooperative Bank of Kenya
12.2024 - Current
- Managing Non- performing Corporate debts to prevent further deterioration and maintaining NPL to Loan ratios below the industry
- Maximizing loan recoveries and write backs to P & L account from the non-performing portfolio through aggressive direct recoveries/viable restructuring/negotiating workouts or realization of assets through litigation
- Ensuring constant application of various remedial solutions/product offering to delinquent accounts based on customer profiling and/or customer segment
- Implementing provided recovery strategies, action plans and recovery product offering
- Issuance of demand and statutory notices as provided by the law
- Checking compliance with Bank Credit policy and CBK prudential guidelines on loan reclassification and ensuring adequate levels of provisions on NPLs in accordance with the CBK Prudential Guidelines
MSME Remedial Officer
Cooperative Bank of Kenya
12.2022 - 11.2024
- Managing Non- performing MSME debts to prevent further deterioration and maintaining NPL to Loan ratios below the industry
- Maximizing loan recoveries and write backs to P & L account from the non-performing portfolio through aggressive direct recoveries/viable restructuring/negotiating workouts or realization of assets through litigation
- Ensuring constant application of various remedial solutions/product offering to delinquent accounts based on customer profiling and/or customer segment
- Implementing provided recovery strategies, action plans and recovery product offering
- Continuously reviewing portfolio & feedback on any emerging issues to support on day-to-day decision making with regards to provisions/write offs, discounts/interest, and charge waivers, which are critical to maintaining sound portfolio management practices
- Checking compliance with Bank Credit policy and CBK prudential guidelines on loan reclassification and ensuring adequate levels of provisions on NPLs in accordance with the CBK Prudential Guidelines
Business Banker- Micro Enterprises
Cooperative Bank of Kenya
03.2022 - 11.2022
- Driving acquisition, business development and relationship management of Micro Enterprises customer segment
- Cross selling and upselling bank products to existing customers
- Mobilizing deposit, asset growth, channel migration and value chain management from micro enterprises business clients
- Championing and delivering world class customer experience by ensuring quality service delivery for customers within the bank’s Service Level Agreements
- Managing quality loan book
- Managing acceptable asset/deposit ratio for Micro segment
- Managing acceptable cost of funds for Micro Enterprises Customers
- Managing acceptable product holding within the customer segment
Business Banker- Group relations
Cooperative Bank of Kenya
02.2018 - 02.2022
- Managing relationships for all Groups and Non Business clients across branch network through attendance of their weekly and monthly meetings
- Advising Groups and non-Business Organization on financial matters, registration, investments and loan process
- Mobilizing cheap and stable deposits through investment groups and Non Business organizations
- Marketing new retail business from the individual clients borrowing under group lending model as well as investment groups
- Facilitating growth of Deposits and non-funded Income through alternative channels
- Calling leads on CRM to ensure relationship management for existing customers and new customers to increase product holding and wallet share through cross-selling
- Managing and growing of quality loan book
Agent Banker
Cooperative Bank of Kenya
07.2016 - 01.2018
- Driving agent recruitment, supervision and appraisal of agent activities
- Carrying out periodic visits and support to Merchants
- Executing Card Business growth through Merchant Acquiring as well as relationship management with the Merchant and driving Merchant transactions and turnover
- Providing continuous one on one agent training on operations and product knowledge and also training and awareness on Anti Money Laundering (AML/CFT)
ICT Intern
County Government of Busia
05.2015 - 11.2015
- Monitoring and maintaining computer systems and networks
- Installing and configuring computer hardware operating systems and applications
- GIS mapping of County's Hospitals and Institutions
- System Analysis of the county ERP system
- Analysis and design of structural computer networks within the county
Operations Intern
EssentialPesa Kenya Limited
06.2014 - 08.2014
- Monitoring transactions performed under EssentialPesa (EP) system
- Providing technical support to customers by email and telephone
- Creating Documentation of database for departmental use
- Developing and analyzing consignment records on Medipack Packages
Teaching assistant
St. Francis Rang'ala Girls High School
03.2011 - 08.2011
- Teaching the students mathematics and chemistry
- Setting, making and grading exams for the students
- Representing the school in various meetings; coordination, marking and supervision of regional mathematics contests
Education
Post Graduate Diploma - Actuarial Science
The University of Nairobi
12.2016
Bachelor of Science - Mathematics (Operations Research)
The University of Nairobi
09.2015
Kenya certificate of secondary education (KCSE) -
St. Francis Rang’ala Girls High school
11.2009
Kenya Certificate of Primary Education (KCPE) -
St. Kizito Busire Primary School
11.2005
Skills
- Relationship management skills
- Debt Collection and Recovery Skills
- Ingenuity and analytical skills
- Writing and communication skills
- Research and information management skills
- Proficiency in computing
- Optimization Techniques
- Portfolio Analysis and Inventory Management
- Trading
- Organizational skills
- Planning skills
- Time management skills
Affiliations
- Mathematics Association of University of Nairobi (MANU).
- Rotaract Club of the University of Nairobi.
- National Youth Guidance and counseling association (University of Nairobi chapter).
- International Cultural youth Exchange, Kenya (Local Volunteer).
Awards
- Best overall, Southern Nyanza Province Mathematics contest held at Kanyawanga Boys High School, 06/07/09.
- Best overall, The Bunyore Girls National Mathematics Contest, 06/13/09.
- 2nd Best Student, Siaya Bondo Annual Mathematics Contest 2009.
- Part of the committee organizing for Rotaract Club of University of Nairobi Community week entitled with: environmental clean-up activities, conducting environmental awareness sessions, advocating for better environmental policies and mobilizing University Students for a better and clean Kenya.
- I have participated in valuable volunteering experiences in rehabilitation Centres and Lower Kabete children remand Home as a mentor and a counselor.
- Leadership Role in the Rotaract Club of the University of Nairobi: Community Service Director Year 2014/2015.
- Best overall in the Ascent (6) Leadership training at the University of Nairobi.
- In a team of 7, I participated in a 10 week leadership training and competition and we emerged Position 1 as a team.
- I participated in the 2015 and 2016 NSE Investment challenge courtesy of Smart Youth Financial education and NIC securities.
Hobbies and Interests
- Research.
- Socializing and networking.
- Environmental conservation.
- Community service and Mentorship.
Attributes
- Strong interpersonal skills.
- Exceptional math and analytical skills.
- Decisiveness and Enthusiasm.
- Strong attention to detail.
- Result oriented and Hardworking.
- Persistent and resilient.
Accomplishments
1) Meritorious Performances in High school Mathematics Contests:
▪ Best overall, Southern Nyanza Province Mathematics contest held at Kanyawanga Boys High School, 7th June 2009.
▪ Best overall, The Bunyore Girls National Mathematics Contest, 13th June 2009.
▪ 2nd Best Student, Siaya Bondo Annual Mathematics Contest 2009.
2) Part of the committee organizing for Rotaract Club of University of Nairobi Community week entitled with: environmental clean-up activities, conducting environmental awareness sessions, advocating for better environmental policies and mobilizing University Students for a better and clean Kenya.
3) I have participated in valuable volunteering experiences in rehabilitation Centres and Lower Kabete children remand Home as a mentor and a counselor.
4) Leadership Role in the Rotaract Club of the University of Nairobi: Community Service Director Year 2014/2015.
5) Best overall in the Ascent (6) Leadership training at the University of Nairobi.
In a team of 7, I participated in a 10 week leadership training and competition and we emerged Position 1 as a team.
6) I participated in the 2015 and 2016 NSE Investment challenge courtesy of Smart Youth Financial education and NIC securities.
Certification
1. Certificate in Statistical Analysis and Computational Softwares: (IBM-SPSS), Matlab, Stata, Advanced Excel and R-Program - University of Nairobi, School of Mathematics.
2. Certificate in counseling and social services management- National youth Guidance and counseling Association University of Nairobi Chapter.
3. Certificate in HIV/AIDS, peer education training- Siaya Peasant Community Outreach Project, Ugunja.
4. Certificate in leadership skills. Key areas: Impetus, Integrity, Excellence, Self Leadership and Self Deception, Leadership Redefined and Team Work.
References
- David Saduma, Branch Manager, Co-operative Bank of Kenya, Kisii Highway Branch, +254729360152, dsaduma@co-opbank.co.ke, P.O Box 444, Kisii, 40200
- Mr. Caleb Ouma Ong'ong'a, Statistician, Kenya Education Network (KENET), +254721953790, +254735820581, oumacaleb@gmail.com
- Mr. Hudson Ogubi, Chief ICT Officer, County Government of Busia, +254721857807, +254700632240, hudsonogubi@yahoo.com, P.O Box Private Bag, Busia
Timeline
Relationship Manager Corporate Remedial
Cooperative Bank of Kenya
12.2024 - Current
MSME Remedial Officer
Cooperative Bank of Kenya
12.2022 - 11.2024
Business Banker- Micro Enterprises
Cooperative Bank of Kenya
03.2022 - 11.2022
Business Banker- Group relations
Cooperative Bank of Kenya
02.2018 - 02.2022
Agent Banker
Cooperative Bank of Kenya
07.2016 - 01.2018
ICT Intern
County Government of Busia
05.2015 - 11.2015
Operations Intern
EssentialPesa Kenya Limited
06.2014 - 08.2014
Teaching assistant
St. Francis Rang'ala Girls High School
03.2011 - 08.2011
1. Certificate in Statistical Analysis and Computational Softwares: (IBM-SPSS), Matlab, Stata, Advanced Excel and R-Program - University of Nairobi, School of Mathematics.
2. Certificate in counseling and social services management- National youth Guidance and counseling Association University of Nairobi Chapter.
3. Certificate in HIV/AIDS, peer education training- Siaya Peasant Community Outreach Project, Ugunja.
4. Certificate in leadership skills. Key areas: Impetus, Integrity, Excellence, Self Leadership and Self Deception, Leadership Redefined and Team Work.
Post Graduate Diploma - Actuarial Science
The University of Nairobi
Bachelor of Science - Mathematics (Operations Research)
The University of Nairobi
Kenya certificate of secondary education (KCSE) -
St. Francis Rang’ala Girls High school
Kenya Certificate of Primary Education (KCPE) -
St. Kizito Busire Primary School
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