JOASH LIRO
Https://www.linkedin.com/in/joash-liro
RONGAI - KISERIAN,30
Summary
Focused on customer service, efficiency and achievements. Experience for three years with background in consumer financing, loan administration default management and customer service. Self-motivated outside sales professional experienced in both technical and non-technical fast-paced team environments. Relation building and closing expert. Extensive experience in product sales and assessing clients needs. Dedicated to maintaining professionalism and integrity. Creative in decision making while careful in conservative risks to increase sales and customer retention. Skilled at working independently under tight deadlines.
Overview
11
11
years of professional experience
Work History
Branch Manager
Musoni Microfinance
12.2023 - Current
- Steer the branch into high level performance standard through proper supervision of staff and maintenance of healthy loan portfolio
- Provide leadership to the day-to-day operation of the branch, achievement of branch targets, while maintaining focus on the company's strategic goals
- Stimulate branch growth through marketing of musoni products and recruitment of new clients
- Develop new strategies for customer retention activities
- Address service complaints in a timely manner
- Visit both individual and group clients to address their concerns.
Team leader
Musoni Microfinance
08.2021 - 11.2023
- Steer the branch into high level performance standard through proper supervision of staff and maintenance of healthy loan portfolio
- Provide leadership to the day-to-day operation of the branch, achievement of branch targets, while maintaining focus on the company's strategic goals
- Stimulate branch growth through marketing of musoni products and recruitment of new clients
- Develop new strategies for customer retention activities
- Address service complaints in a timely manner
- Visit both individual and group clients to address their concerns.
Area Recovery officer
Musoni Microfinance Ltd Upper Eastern
05.2020 - 08.2021
- Managements of auctioneers
- Management of delinquent loans
- Conducting delinquency meeting
- Collection of written off accounts.
Wealth Creation Officer
Musoni Microfinance Limited Donholm Branch
08.2018 - 05.2020
- Conducting client education on the new products features and requirements
- Consistently growing the company's product portfolio by marketing to individuals and groups
- Developing plans for growth of the product and identify suitable clients
- Conducting loan appraisals and make recommendations to the branch credit committee
- Visiting client business premises from time to time during loan assessment and monitoring to ensure the quality of the loan is maintained at the expected level
- Participating in the setting of personal product targets and work toward meeting the same.
Loan Officer
ASA Kenya Limited - Rongai Branch
06.2016 - 07.2018
- Approved loans within specified limits, and refer loan applications outside those limits to management for approval
- Analyzed applicants' financial status, credit, and property evaluations to determine feasibility of granting loans
- Explained to customers the different types of loans and credit options that are available, as well as the terms of those services
- Revied and updated credit and loan files
- Reviewed loan agreements to ensure that they are complete and accurate according to policy
- Computed payment schedules
- Submitted applications to credit analysts for verification and recommendation
- Handled customer complaints and take appropriate action to resolve them
- Worked with clients to identify their financial goals and to find ways of reaching those goals
- Negotiate payment arrangements with customers who have delinquent loans
- Set credit policies, credit lines, procedures and standards in conjunction with senior managers
- Analyzed potential loan markets and develop referral networks in order to locate prospects for loan.
Sales
Faulu Microfinance Bank - Kiserian Branch
05.2013 - 05.2016
- Identified prospective customer by using business directories and following leads from existing clients
- Prospected and conducted face-to-face sales calls with business executives and directors within the assigned territory
- Contacted new and existing customers to discuss how their needs could be met through specific products and services
- Built relationship with customers and the community to promote long term business growth
- Selected correct products based on customer needs, product specification and applicable regulations
- Met existing customers to review current service and expand sales opportunities
- Successfully closed an average of three loans per month.
Education
Diploma in Business Management (NGO Management Option) - undefined
Kenya Institute of Management
Certificate in Business Management - undefined
Kenya Institute of Management
Kenya Certificate of Secondary Examination (KCSE) - undefined
Chango Secondary School
Kenya Certificate of Primary Examination (KCPE) - undefined
Chavugami Primary School
Skills
Goal-orientedundefined
Accomplishments
- Developed prospects by contacting 10 weakly cold calls
- Led low performing team to become the only one in the branch to exceed target
- Repeatedly commended by superior for reaching my monthly target
References
- Chrispine Wendo, Credit admin team leader, Musoni Microfinance limited, +254724040447
- Esther Kinga, Credit control manager, Musoni Microfinance limited, +254724852183
- Brian Nyakundiv, Branch manager Embu branch, Musoni Microfinance limited, 0707623894
Timeline
Branch Manager
Musoni Microfinance
12.2023 - Current
Team leader
Musoni Microfinance
08.2021 - 11.2023
Area Recovery officer
Musoni Microfinance Ltd Upper Eastern
05.2020 - 08.2021
Wealth Creation Officer
Musoni Microfinance Limited Donholm Branch
08.2018 - 05.2020
Loan Officer
ASA Kenya Limited - Rongai Branch
06.2016 - 07.2018
Sales
Faulu Microfinance Bank - Kiserian Branch
05.2013 - 05.2016
Diploma in Business Management (NGO Management Option) - undefined
Kenya Institute of Management
Certificate in Business Management - undefined
Kenya Institute of Management
Kenya Certificate of Secondary Examination (KCSE) - undefined
Chango Secondary School
Kenya Certificate of Primary Examination (KCPE) - undefined
Chavugami Primary School
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