JOHN KARIUKI
SENIOR BANKER
Thika, Nairobi Province
Summary
Dedicated banking professional with a history of meeting company goals utilizing consistent and organized practices. Skilled in working under pressure and adapting to new situations and challenges to best enhance the organizational brand.
Overview
12
12
years of professional experience
6
6
years of post-secondary education
1
1
Language
Work History
General manager
Bank operations Pwani zone- Kenya Women Micro-Finance Bank
6 2022 - Current
- Head of the Bank zone operations, both sales, support and delivering the bank’s vision and objective.
- Incharge of 30 bank branches spread across the coast of Kenya in Kwale County, Mombasa County, Kilifi County, Lamu County, Tana River county.
- Cultivated strong relationships with clients, vendors, and partners to ensure long-term success and loyalty.
- Monitored financial performance, set budgets and controlled expenses to provide financial stability and long-term organizational growth.
- Managed budget implementations, employee evaluations, and contract details.
- Managed budget development, forecasting, and financial reporting processes to track progress towards organizational objectives accurately.
- Formulated policies and procedures to streamline operations.
- Developed and implemented strategies to increase sales and profitability.
- Increased overall company efficiency by streamlining operations and implementing innovative managerial strategies.
- Developed and executed strategic plans for business growth and expansion, resulting in increased market share.
- Trained and guided team members to maintain high productivity and performance metrics.
Senior Manager Digital Lending
Kenya Women Micro-Finance Bank (Head Office)
03.2020 - 05.2022
- Formulation and implementation of the digital lending portfolio growth strategies.
- Championed digital Lending and identified opportunities for process improvement through automation.
- Developed, maintained, and managed a customer pipeline across all stages of the Digital loan journey, ensuring an efficient application approval process to prevent customer dissatisfaction.
- Collaborated closely with internal stakeholders and external vendors to plan and execute change processes related to Business Policy Rules and system enhancements.
- Acted as a liaison between the products unit and the Business team, translating business requirements into effective technical solutions by presenting development options based on best practices.
- Gathered functional and non-functional business ideas, analyzing them to design process flows and documentation.
- Participated in System User Acceptance Testing and provided support and training to Business Units for all bank Digital Lending Solutions.
- Utilized customer experience and credit expertise to impress customers throughout their lending journey and promptly address any issues.
- Monitored market trends and conducted competitive analysis in the Digital Lending market, aiming to innovate and enhance the online customer journey, especially on Digital platforms.
- Continuously supported and trained bank staff on new systems, products, and policy updates.
- Ensured effective portfolio management of Digitally Lent facilities national wide.
- Consistently met or exceeded annual performance targets set by senior leadership.
- Collaborated closely with peers from other departments to drive organizational success jointly as one cohesive unit.
- Mentored junior staff members for skill development and career progression within the organization.
SALES CHANNEL-CURRENT ACCOUNTS MANAGER
KENYA WOMEN MICROFINANCE BANK
03.2018 - 03.2020
- Trained junior account managers in best practices and industry standards, fostering a high-performing team culture.
- Generated financial and operational reports to assist management with business strategy.
- Managed a diverse portfolio of accounts, demonstrating adaptability across various industries and client needs.
- Implemented efficient billing procedures to reduce outstanding receivables and improve cash flow.
- Boosted client satisfaction by effectively managing accounts and addressing concerns promptly.
- Collaborated with sales teams to identify new opportunities, driving revenue growth.
- Conducted regular account reviews with clients, providing valuable insights into performance metrics and recommending actions for improvement.
Agent Banking Sales Manager
Kenya Women Micro-Finance Bank (Head Office)
09.2016 - 02.2018
Agent Banking Officer
Kenya Women Micro-Finance Bank (Head Office)
11.2014 - 08.2016
- Responsibilities: N/A
Business Development Officer
Kenya Women Micro-Finance
11.2012 - 10.2014
Attachment at Kenya School of Monetary Studies
4 2012
Logistics Administrator
Del Monte Kenya Limited
05.2010
Education
Master of Science in Finance- PROJECT MANAGEMENT - Project Management
Jomo Kenyatta University of Agriculture And Technology (Kenya School of Monetary Studies Centre)
NAIROBI,KENYA 01.2012 - 05.2014
Bachelor of Commerce (Finance Option) - Finance
Jomo Kenyatta University of Agriculture And Technology
01.2008 - 04.2011
Skills
- Customer Relationship Management
- Team Leadership
- Project Management
- Staff Supervision
- Performance Improvement
- Business Development
- Project Planning
- Strategic Planning
- Staff Motivation
- Training and Development
Personalobjective
My professional objectives include:
1. Using my skills and experience in a professional and challenging work environment.
2. Achieving high standards of performance, adding value to stakeholders as I seek career advancement.
Personal Information
- Date of Birth: 03/11/88
- Marital Status: Married
Coursesworkshops
- Customer Service training by Artemis (2016)
- Leadership training by Artemis (2016)
- Trainer of Trainers (Aug-Sept 2015)
Publications
Factors Influencing the Adoption of Internet Banking in Kenya, International Organization of Scientific Research-Journal of Business and Management, Vol.16, Issue 9, 09/01/14
References
References available upon request
Timeline
Senior Manager Digital Lending
Kenya Women Micro-Finance Bank (Head Office)
03.2020 - 05.2022
SALES CHANNEL-CURRENT ACCOUNTS MANAGER
KENYA WOMEN MICROFINANCE BANK
03.2018 - 03.2020
Agent Banking Sales Manager
Kenya Women Micro-Finance Bank (Head Office)
09.2016 - 02.2018
Agent Banking Officer
Kenya Women Micro-Finance Bank (Head Office)
11.2014 - 08.2016
Business Development Officer
Kenya Women Micro-Finance
11.2012 - 10.2014
Master of Science in Finance- PROJECT MANAGEMENT - Project Management
Jomo Kenyatta University of Agriculture And Technology (Kenya School of Monetary Studies Centre)
01.2012 - 05.2014
Logistics Administrator
Del Monte Kenya Limited
05.2010
Bachelor of Commerce (Finance Option) - Finance
Jomo Kenyatta University of Agriculture And Technology
01.2008 - 04.2011
General manager
Bank operations Pwani zone- Kenya Women Micro-Finance Bank
6 2022 - Current
Attachment at Kenya School of Monetary Studies
4 2012
Similar Profiles
Allan OnyangoAllan Onyango
Accountant at Faulu Kenya Micro Finance Bank LimitedAccountant at Faulu Kenya Micro Finance Bank Limited
RAHAB NYAWIRA MAINARAHAB NYAWIRA MAINA
Credit Analyst at Kenya Women Microfinance BankCredit Analyst at Kenya Women Microfinance Bank
Iyore AsemotaIyore Asemota
Internal Auditor at LAPO Micro Finance BankInternal Auditor at LAPO Micro Finance Bank