Joshua M. Muthama
Summary
Accomplished Area Manager with extensive experience in banking and financial services, demonstrating a proven track record of driving significant growth and profitability. Notable achievements include increasing Family Bank's balance sheet by 30% and profit before tax from 600m to 1.02b within a year, as well as doubling branch profitability during tenure as Senior Branch Manager. Expertise in leadership, operational management, and strategic planning, complemented by strong communication and analytical skills. Adept at fostering cross-functional relationships and implementing business strategies to achieve performance targets. Career goal: to continue leveraging financial acumen and organisational planning skills to drive sustainable growth in the banking sector. Driven Area Manager with broad expertise in team leadership, strategic planning, and operational excellence. Demonstrates solid track record in improving store performance, enhancing customer satisfaction, and streamlining processes. Skilled in building strong, motivated teams and fostering culture of continuous improvement. Adept at implementing innovative solutions to drive revenue growth and operational efficiency. With solid background in leadership and team coordination, I excel in motivating teams and enhancing operational efficiency. My strong communication skills and problem-solving abilities enable me to build productive relationships and drive results. Adaptable and resourceful, I bring focused approach to managing multiple tasks and delivering on organisational goals.
Overview
20
20
years of professional experience
Work History
Area Manager
Family Bank
01.2022 - Current
- Managed to grow balance sheet by 30% and profit before tax from 600m to 1.02b within one year
- Created the best and strong team in the Family Bank network in terms of productivity.
- Fostered cross functional relationship among all bank stakeholders in the area.
- Development, interpretation and implementation of business strategies to deliver performance and growth targets of the area.
- Drive sustainable revenue growth by consistently delivering against agreed targets across all key business areas.
- Define, cascade and implement agreed bank strategies with branch teams to deliver set performance targets as defined in each year’s operating plan.
- Monitor overall branch sales performance ensuring sales and portfolio growth targets are achieved.
- Regularly review and report on branch performance to Retail Leadership, and drive short-term strategic shifts to ensure target delivery.
- Build and maintain proactive relationships with key internal stakeholders and business units —including Product, Segments (MSME, Retail), Credit, Corporate & GIB, Bancassurance, Channels, and ICT—to drive performance.
- Contribute to the development and execution of Retail Banking business plans to drive expansion in strategic target areas.
- Formulate & implement strategies that will support branch network expansion including identifying suitable locations ensuring the new branches break even within the agreed timelines.
- Formulate strategies and plans for branch sales initiatives, activations, customer dinners and market positioning alignment to Customer Value Propositions, Product and Segment areas in the region.
- Oversee portfolio quality, ensuring low non-performing ratios and compliance with credit policies.
- Track branch-level uptake of digital banking products and MSME/retail offerings.
- Provide guidance to branches on cross-selling and customer retention strategies.
- Lead, coach mentor, and develop branch managers and senior branch leadership teams within the bank.
- Enhance branch and relationship team performance by assessing training needs and ensuring targeted coaching and development initiatives are implemented.
- Ensure effective resource management/planning that reflects current and future business requirements, ensuring that the correct balance of numbers, skills and experience.
- Ensure effective performance management of direct reports to drive team accountability, development, and business results.
- Oversee branch performance to ensure all Key Performance Indicators are achieved, supporting business growth and operational excellence.
- Monitor operational risk, fraud prevention and adherence to internal policies.
- Review branch incident reports and drive timely corrective actions, including escalation or disciplinary measures as necessary.
- Sign off on all budgeted branch payments and expenses beyond branch manager limits to ensure compliance and financial control.
- Approve all dormant account reactivations, account classifications, and refunds beyond branch manager limits, ensuring adherence to policy and governance standards.
- Support and Ensure that branches within the region attain a satisfactory rating in both audit and compliance reports.
- Ensure closure of findings raised from the reviews including internal and external audits.
- Ensure branches comply with regulatory, operational, and risk management policies.
- Monitor operational metrics such as transaction accuracy, turnaround times, and service quality.
- Implement process improvements to enhance efficiency and reduce operational risks.
- Maintain high-quality exceptional service levels in branches to consistently exceed customer expectations.
- Build and lead a motivated, high-performing branch team that consistently delivers exceptional, customer-centric service.
- Manage escalation of critical customer complaints to ensure timely resolution and maintain service excellence.
- Engage high-net-worth and key clients to drive relationship growth and business opportunities.
- Prepare and present area performance reports, forecasts and action plans to senior management, highlighting achievements, risks, and opportunities.
- Use data and insights to guide decision making and corrective actions.
- Utilize available analytics tools to monitor sales, performance, and client trends.
Senior Branch Manager
Family Bank
04.2018 - 12.2020
- Doubled the branch profitability from 60m to 250m in span of two years.
- Created the best and strong team in the Family Bank network in terms of productivity.
- Lead and direct the development and implementation of the branch’s strategic plan and budgets.
- Monitor and evaluate branch performance to generate a healthy portfolio monthly, including client satisfaction metrics.
- Ensure compliance and adherence to statutory and regulatory requirements as well as continuous updates of processes, policies, and procedures.
- Lead the team in championing the bank’s brand image both internally and externally.
- Oversee credit risk framework, implement credit strategies, policies, and procedures in line with the bank’s corporate strategy and ensure compliance.
- Implement the microfinance plan focusing on increasing the outreach of the bank through innovative marketing programs and the development of new credit and non-funded products.
- Manage and maintain relationships with strategic stakeholders.
Branch Manager
Family Bank
04.2015 - 12.2018
- Toped in performance in the entire network for six months consistently.
- Five members of my staff got elevated to management level.
- Teamwork and staff productivity got enhanced.
- Opened Kahawa West branch and achieved break-even within six months.
- Turned around Mtwapa Branch from last (92) position in performance to position 46 within nine months.
- Ensured total adherence to control and Risk Policies and procedures by all staff in the branch.
- Regularly evaluated the effectiveness of the branch operations to ensure that policies are being adhered to and that goals are being attained at all times.
- Financial analysis i.e. ratios and other measurement tools to manage branch revenue, operating costs, and profitability.
- Provided leadership and guidance to the branch team through effective planning, communication, training, mentoring, and coaching.
- Participated actively in community business and industry organizations to build a network of contacts that improve the presence and reputation of the branch and bank in the local area.
- Monitored and evaluated the performance of all branch staff, prepare performance appraisals and recommend and/or initiate corrective action where necessary to improve performance and/or attaining established personal and organizational goals.
- Established and maintained a system that fosters a culture of teamwork, employee empowerment, and commitment to the department’s and the bank’s goals.
- Custodian of the company properties at branch level.
Branch Manager
SMEP DTM
01.2012 - 04.2015
- Championed business expansion in Rongai.
- Delivered the fourth banking hall for the bank by transforming the Rongai branch to a DTM in one year.
- Overall management of branch and supervision.
- Mentored staff as per the business need.
- Appraised and monitored loan disbursement and collection.
- Established a new niche and advised the management as per the customer's needs.
- Implemented branch transformation.
Senior Finance Partner
Faulu Kenya Dtm
01.2011 - 12.2011
Trainer Of Trainers (TOT)
Faulu Kenya
06.2008 - 01.2011
DFO
Faulu Kenya
03.2007 - 06.2008
Teller/Customer Care Officer
Masaku Traders Sacco
08.2006 - 02.2007
- Currently Universal Traders Sacco
Education
Master’s - Business Administration, Strategic Option
Kisii University
02.2026
Bachelor of Business Administration - Management Option
St. Paul’s University
01.2013
CPA Section I -
KASNEB
01.2006
Diploma in Business Administration -
Machakos Technical Training
01.2005
Kenya Certificate of Secondary Education -
Machakos School
01.2001
Skills
- Communication and analytical skills
- Organizational planning
- Decision-making and prioritization
- Leadership and teamwork
- Operational management
- Financial acumen
Custom Section
Available on request
Accomplishments
- Oversaw programme to reduce paper waste, resulting in £[number] savings per year.
- Advanced from [Job Title] to [Job Title] quickly as result of [Type] and [Type] achievements.
- Increased sales by [Number]% while reducing costs by [Number]%, leading to £[Number] net profit.
- Updated and implemented [Type] policies for continued company compliance with [Type] guidelines.
- Planned and coordinated [Type] projects resulting in increased [Result].
- Streamlined workflow by consolidating lengthy processes and redundant documentation which resulted in more effective and timely completion of [Action].
- Developed and instituted employee training and retention initiative that reduced employee turnover by [Number]% within [Timeframe].
- Improved [Type] reviews by successfully handling customer complaints and implementing monthly staff training.
- Reduced employee turnover by [Number]% by creating and implementing no-cost incentive program.
- Recognised by management for [Type] behaviours, leading to increased [Result].
- Worked directly with senior leadership to develop and administer £[number]-per year department budget.
- Recognised by management for [Type] projects delivering outstanding [Result].
- Investigated, identified and reconciled account discrepancies totalling £[Number] in company savings.
- Created and developed critical [Type] policies to consistently exceed quality and production targets.
- Enhanced [Type] processes, implementing across department for increased productivity and profits.
- Coordinated [Number] special public and private events.
- Streamlined workflow by consolidating lengthy processes and redundant documentation that resulted in more effective and timely completion of [Action].
- Achieved certification through the Chartered Management Institute (CMI).
Awards
- Best Manager Family Bank 2018
- 2016 - 2018: Setting up a new branch for Kahawa west family bank
- 2012 - 2014: Branch transformation to deposit-taking microfinance
- 2008 - 2009: change champion in Faulu Kenya
Timeline
Area Manager
Family Bank
01.2022 - Current
Senior Branch Manager
Family Bank
04.2018 - 12.2020
Branch Manager
Family Bank
04.2015 - 12.2018
Branch Manager
SMEP DTM
01.2012 - 04.2015
Senior Finance Partner
Faulu Kenya Dtm
01.2011 - 12.2011
Trainer Of Trainers (TOT)
Faulu Kenya
06.2008 - 01.2011
DFO
Faulu Kenya
03.2007 - 06.2008
Teller/Customer Care Officer
Masaku Traders Sacco
08.2006 - 02.2007
Master’s - Business Administration, Strategic Option
Kisii University
Bachelor of Business Administration - Management Option
St. Paul’s University
CPA Section I -
KASNEB
Diploma in Business Administration -
Machakos Technical Training
Kenya Certificate of Secondary Education -
Machakos School