Summary
Overview
Work History
Education
Skills
References
Accomplishments
Timeline
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JOHN NYOIKE MAINA

INDEPENDENT FINANCIAL ADVISOR
Nairobi, Nairobi Province

Summary

Results-driven professional recognized for consistently exceeding targets and driving success in dynamic environments. A unique blend of strategic thinking and practical experience delivers impactful solutions that significantly enhance organizational performance. Committed to fostering collaboration and innovation, ensuring goals are not only met but surpassed. Proven track record of adapting to challenges and leveraging opportunities for growth and improvement.

Overview

25
25
years of professional experience

Work History

Independent Financial Advisor

All Major Insurance Companies and Investment Banks in Kenya
02.2025 - Current
  • Key responsibilities include
  • Needs Assessment: Thoroughly analyzing a client's financial situation, goals, and risk appetite and providing provides unbiased, personalized advice.
  • Market Research: Accessing and evaluating a broad range of financial products and services from across the entire market to identify the most suitable options to match the clients’ needs.
  • Unbiased Recommendations: Providing objective advice and recommend products that are in the client's best interest, free from conflicts of interest or ties to specific providers.
  • Personalized Financial Planning: Develop comprehensive financial plans covering areas such as:
  • Investments: Strategize investments aligned with risk tolerance and goals.
  • Retirement Planning: Create plans to build savings for retirement.
  • Savings: Identify appropriate savings vehicles, such as emergency funds or tax-free accounts.
  • Insurance: Guide clients in selecting appropriate life or health insurance.
  • Ongoing Support: Regularly monitoring insurance consumption of insurance solutions and investments funds and making adjustments to the financial plan as a client's circumstances change

Branch Manager

Equity Bank, Kitui, Mukurweini, Kawangware, Tom Mboya, Syokimau and Gikomba Market Branches
12.2009 - 02.2025
  • Reporting to the Director of Operations.
  • In charge of branch overall performance. Ensuring the various parameters i.e. profit, deposits, loans, cost/income ratio, Portfolio at Risk, dormancy levels, customer service, staff productivity as set out in the annual targets are achieved by all the departments in the branch.
  • Marketing of the Bank’s products, customer recruitment and relationship management. Addressing issues raised by customers with a view towards quick resolution and preventing future occurrence.
  • Ensuring the branch is compliant with the Bank’s Policies & Procedures as well the relevant regulatory guidelines.
  • Forming a winning team by guiding, motivating & mentoring the Branch team members and ensuring their welfare is well taken care of. Organizing for staff trainings.
  • Promoting the Bank’s culture among the staff.

Relationship Manager Operations

Equity Bank, Meru and Malindi Branches
02.2007 - 11.2009
  • Reporting to the Branch Manager.
  • In charge of operations at the branch including; Cash management, account opening process, custody department, front office, back office, Debit Cards & PIN issuance, branch physical security, operations staff productivity, GL reconciliations, budget preparation & tracking, expense management, risk champion i.e. ensuring compliance with the applicable Bank’s Policies & Procedures.
  • Ensuring the staff are able to offer excellent customer service.
  • Other roles include deputizing the Branch Manager and customer relationship management.

Cash Officer

Equity Bank, Meru Branch
09.2005 - 01.2007
  • Reporting to the Relationship Manager-Operations.
  • In charge of cash management at the branch. Ensuring optimal cash levels at the branch, supervising all Tellers, ATMs, back officers and Branch Accountant.
  • Other roles included deputizing the Relationship Manager-Operations.

Branch Accountant

Equity Bank, Meru Branch
01.2005 - 08.2005
  • Reporting to the Cash Officer
  • In charge of reconciling the Branch’s General Ledgers, expense management, preparation of monthly branch performance reports, ad hoc performance reports. Assisting the Cash Officer with cash management at the branch.
  • Deputizing the Cash Officer.

Bank Clerk

Equity Bank, Meru Branch
09.2003 - 12.2004
  • Reporting to the Cash Officer.
  • Worked as a clearing officer, back officer, account opening officer, inquires desk officer.

Branch Credit Officer

Equity Bank, Kangari Branch
12.2002 - 08.2003
  • Interviewed clients to understand their needs so as to recommend the appropriate facilities to fill their needs.
  • Presented originated cases to the branch credit committees for approval or recommendation to Head office credit committee.
  • Originated the documents for purposes of security perfection and documentation.
  • Facilitated the loan monitoring and recovery for all clients in my portfolio.
  • Prepared the letters of offer for facilities within the branch limit.
  • Undertook credit risk analysis and control following established procedures and using personal judgment.
  • Undertook marketing responsibilities so as to create new business.

Bank's Teller

Equity Bank, Kangari Branch
12.2000 - 11.2002
  • Made referrals and uses of cross-sell opportunities to achieve bank growth objectives.
  • Responsible for adhering to policy and procedures to minimize loss to the bank and maintained cash control of the bank’s assets.
  • Acknowledgment of the customers, maintaining a friendly and courteous demeanor, ensured customer satisfaction on transaction requests and presents a professional image.
  • Accurately and efficiently completed customer transactions, including but not limited to, processing cash withdrawals, cashing cheques, receiving deposits, processing funds transfers, redeeming travellers’ cheques, issuance of banker’s cheques and money orders.
  • Performed at the request of branch management other duties i.e Salary processing, account opening, reconciliations of general Ledger accounts, Back up of Data, managing petty cash, issuance of ATM cards, processing of shares trading requests

Education

Certificate of Proficiency in Insurance -

Kenya College of Insurance
03.2021

MBA - Finance

University of Nairobi
01.2018

Degree in Business Management - Accounting & Finance

Kenya Methodist University
01.2011

Diploma in Business Management - undefined

University of Nairobi
01.2005

Computer Packages - undefined

01.1999

High School - undefined

Kigumo Bendera High School
01.1998

Makomboki Primary School
01.1993

Skills

  • Leadership & Management:
  • Leadership & Team Building: Inspiring and guiding staff to achieve goals and foster a positive environment
  • Strategic Thinking: Analyzing market trends and identifying opportunities to drive business growth
  • Planning & Organizing: Effectively managing daily operations and prioritizing tasks to meet objectives
  • Decision-Making & Problem-Solving: Making sound decisions and resolving complex issues that arise
  • Customer & Business Focus:
  • Customer Service Excellence: Ensuring a positive customer experience and building strong relationships
  • Commercial Acumen: Understanding market dynamics and developing strategies to leverage them with a view to building Balance sheet, income streams and prudently manage expenses
  • Financial & Operational Expertise:
  • Financial Management: Strong analytical skills to interperate reports ie cash flow statements, balance sheet, income statements and profit & Loss

References

Samuel Karanja

Chief Executive Officer

Micro, Small and Medium Enterprises Alliance of Kenya Tel : +254 757460500.

eaglesaudacity@gmail.com


Titus Kuria

Interim Managing Director

Fresh life

Tel : +254 722971922

Trkuria@gmail.com


Paul Githinji,

Head of Operations

Middle East Bank

Tel : +254 721270338

Paul.githinji@gmail.com

Accomplishments

  • Business Growth & Profitability: A key achievement is leading the branch to achieve business targets, evidenced by increased profitability and market share.
  • Customer Experience & Relationship Management: Building strong, trust-based client relationships and consistently delivering excellent customer service is a significant achievement.
  • Risk Management & Compliance: Successfully implementing and adhering to risk management policies, as well as demonstrating a strong understanding of regulatory frameworks and legislations from bodies like the CBK, KRA and also reporting Standards like IFRS framework shows professional competency.
  • Team Leadership & Talent Development: The ability to nurture, lead, and develop a motivated and high-performing team is a core professional achievement, as highlighted in job descriptions.
  • Operational Excellence: Maintaining high operational standards and effective management controls within the branch demonstrates strong professional competence.
  • Credit Management: Expertise in personal and business credit underwriting and effective portfolio management reflects a strong grasp of core banking functions.
  • Creating shareholders and community Value : by pursuing an inclusive financial strategy that prioritizes social impact through initiatives like financial literacy and affordable products, which builds a loyal customer base and drives business growth that ultimately benefits shareholders through financial returns and a strong brand
  • Community engagement: Being involved in local community activities and meetings, such as tree planting, Education sponsorships for the needy, mentorship programs hence building trust and strong relationships at the grassroots level.

Timeline

Independent Financial Advisor

All Major Insurance Companies and Investment Banks in Kenya
02.2025 - Current

Branch Manager

Equity Bank, Kitui, Mukurweini, Kawangware, Tom Mboya, Syokimau and Gikomba Market Branches
12.2009 - 02.2025

Relationship Manager Operations

Equity Bank, Meru and Malindi Branches
02.2007 - 11.2009

Cash Officer

Equity Bank, Meru Branch
09.2005 - 01.2007

Branch Accountant

Equity Bank, Meru Branch
01.2005 - 08.2005

Bank Clerk

Equity Bank, Meru Branch
09.2003 - 12.2004

Branch Credit Officer

Equity Bank, Kangari Branch
12.2002 - 08.2003

Bank's Teller

Equity Bank, Kangari Branch
12.2000 - 11.2002

MBA - Finance

University of Nairobi

Degree in Business Management - Accounting & Finance

Kenya Methodist University

Diploma in Business Management - undefined

University of Nairobi

Computer Packages - undefined

High School - undefined

Kigumo Bendera High School

Certificate of Proficiency in Insurance -

Kenya College of Insurance

Makomboki Primary School

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JOHN NYOIKE MAINAINDEPENDENT FINANCIAL ADVISOR