Summary
Overview
Work History
Education
Skills
Certification
Career Achievements
Reading, Coaching and Training
Timeline
Generic

Moses Odipo

Strategic Growth Leader In High Net Worth And SME Banking
Nairobi,Kenya

Summary

Moses Odipo is a business development and banking operations professional with over 16 years of experience in Retail, SME and Corporate Banking. I successfully launched the Platinum Branch in Nairobi Karen, growing assets to Kshs 2.1B and liabilities to Kshs 2.5B, achieving profitability within six months. As Manager of the Business Club, I expanded membership from 1,200 to 2,650 and increased deposits by Kshs 1.7B in one year. I run and managed the KCB Non financial services unit through Trainings, Networking, B2B benchmarking matchmarking through various partners that included the various international trips for partnerships. Moses holds a master's in project management and a Bachelor of Agriculture, and is a TPMA-certified Trainer (IFC).

Professional with strong background in branch management. Skilled in enhancing operational efficiency, driving growth, and fostering team collaboration. Known for adaptability to changing needs and effective problem-solving. Expertise in strategic planning, customer service, and financial oversight. Reliable leader focused on achieving results and empowering teams.

Overview

16
16
years of professional experience
2013
2013
years of post-secondary education
5
5
Certifications

Work History

Branch Manager

UBA Bank Kenya
01.2025 - Current
  • Prospecting for new Global Corporates, Regional Corporates and Large local corporates.
  • Participating in presentations to clients and marketing drives and other relationship management activities.
  • Regular client visits/presentations and meetings with visit reports.
  • Active management of existing clients including increasing wallet share.
  • Developing and implementing business growth strategies for different clients/sectors for the bank.
  • Prepare and submit credit proposals in conformity with Credit Policy guidelines.
  • Preparation of various reports including customized client proposals according to client need.
  • Competitor and Industry analysis - Actively review and monitor competitor product offerings and monitor industry trends.
  • Providing an interface between the bank, existing and prospective customers to maintain good customer relations, to meet customer needs within the strategic objective of the bank.
  • High level negotiation to get new and additional business.
  • Coordination with various departments like credit, treasury etc. for delivery of seamless service to client.
  • Portfolio Monitoring for all the Relationship Manager.
  • Developing call plans and portfolio mapping of all RMs and Sales Representatives for a go to market strategy.

Branch Center Manager (Platinum)

KCB Waterfront Karen
09.2021 - 11.2024
  • Drive branch business strategy aligned with overall bank goals, setting key performance objectives to achieve business growth.
  • Monitor financial performance, manage budgets, and optimize cost efficiency to meet profitability targets.
  • Create and execute sales strategies, identify opportunities, and adjust to market trends to meet branch targets.
  • Lead credit approvals, maintain loan portfolio health, and ensure robust risk management within regulatory frameworks.
  • Oversee daily operations, grow deposits and loans, and ensure regulatory and policy compliance.
  • Build strong client relationships, enhance customer loyalty, and represent the bank in corporate functions.
  • Identify and manage operational risks, ensuring the security of branch premises, staff, and customers.
  • Lead service initiatives, resolve escalated issues, and design programs to boost retention and cross-selling.
  • Ensure regulatory compliance, prepare for audits, and maintain governance and policy standards.
  • Motivate and train staff, conduct performance appraisals, and manage disciplinary actions per bank policy.
  • Represent the bank in outreach programs, develop partnerships, and promote financial literacy initiatives.
  • Managed work and performance of more than [Number] employees.

SME Relationship Manager

KCB Biashara Club
01.2015 - 08.2021
  • Develop strategies to grow SME portfolios, align with business goals, and identify new business opportunities.
  • Build and nurture SME client relationships, address feedback to minimize attrition, and cross-sell banking products.
  • Manage client portfolios, cross-sell products, and monitor credit performance to ensure risk mitigation.
  • Execute Biashara Club strategy to achieve growth targets and coordinate regional training for value delivery.
  • Organize business trips, manage partnerships, and create loyalty programs for club members.
  • Offer financial advisory services and market insights to help SMEs make informed financial decisions.
  • Oversee fee collection portals and ensure regulatory compliance with governance and risk control policies.
  • Champion tailored SME products and drive innovation based on customer feedback.
  • Lead SME client onboarding and develop customer-centric engagement strategies for better service.
  • Streamline processes to improve turnaround times and manage operational risks.
  • Develop loyalty initiatives and reward programs to retain and engage high-value SME clients.
  • Collaborate with regional teams to unify strategies and standardize service quality across branches.

Business Manager

KCB Kiserian Branch
11.2012 - 12.2014
  • Drove branch business growth by expanding business accounts, increasing loan portfolios, and mobilizing deposits.
  • Managed customer complaints and feedback, ensuring the highest service standards to enhance satisfaction and loyalty.
  • Maintained a quality loan book portfolio, keeping the Portfolio at Risk (PAR) below 5% through effective credit management.
  • Oversaw branch product offerings, risk management, and policy implementation to ensure compliance and operational efficiency.
  • Prepared lending and product proposals to meet branch targets and led sales campaigns while managing the performance of the branch sales team to achieve business objectives.

Head Teller

KCB Nakuru Branch
05.2011 - 11.2012
  • Supervised daily teller operations, ensuring efficient service delivery and adherence to banking policies.
  • Managed cash flow, balancing vault transactions and branch reserves to maintain optimal cash levels.
  • Monitored teller performance, provided coaching and training, and ensured compliance with internal controls to minimize fraud and errors.
  • Handled customer inquiries, resolved discrepancies, and ensured excellent service standards to enhance customer satisfaction.
  • Coordinated currency transactions, managed foreign exchange services, and prepared financial reports to support branch operations and regulatory requirements.

Credit Administrator

KCB Nakuru Branch
11.2010 - 04.2011
  • Managed loan documentation, ensuring accurate preparation, review, and timely processing of credit applications.
  • Maintained compliance with lending policies and regulatory guidelines, monitoring loan disbursements and repayments to maintain a healthy Portfolio at Risk (PAR).
  • Provided administrative support to the credit team, prepared credit reports, and coordinated with clients to resolve discrepancies.
  • Conducted credit risk assessments and implemented effective monitoring strategies to mitigate default risks.
  • My dedication to accuracy, strong compliance adherence, and proactive client engagement contributed to improved credit management efficiency, leading to my promotion to Head Teller.

Assistant Manager Customer Service

KCB Nakuru Branch
10.2009 - 11.2010
  • Led a team to deliver exceptional service, handling customer inquiries, complaints, and escalations to ensure prompt resolution and satisfaction.
  • Monitored service delivery standards, implemented process improvements, and provided coaching and training to enhance team performance.
  • Collaborated with sales and operations teams to drive cross-selling opportunities and supported branch marketing initiatives.
  • Ensured compliance with service policies and regulatory guidelines, maintaining high-quality customer engagement.

Education

Master of Business Administration (MBA) - Project Planning and Management

University of Nairobi

Bachelor's of Science in Agriculture - Horticulture

Egerton University

Skills

  • Business Growth Strategy

  • Deposit Mobilization

  • Loan Portfolio Management

  • Risk and Compliance Oversight

  • Financial Reporting

  • Internal Controls

  • Program Design and Implementation

  • Project Planning and Execution

  • Risk Management

  • Monitoring and Evaluation (M&E)

  • Strategic Planning

  • Client Acquisition and Retention

  • Customer Experience Enhancement

Certification

Leadership Training, KCB Leadership Center, 2021

Career Achievements

  • Spearheaded the growth of KCB Karen Platinum Branch from zero to Ksh 2.1B loan book, 7K accounts, and Ksh 2.5B in deposits within two years, achieving break-even within six months.
  • Cultivated excellent customer relationships, achieving a 91% satisfaction index.
  • Maintained a loan portfolio PAR of 1.3% against a 5% target, demonstrating exceptional credit risk management.
  • Championed Biashara Club loan portfolio growth, increasing it by Ksh 1.3B in two years.
  • Reduced branch PAR from 13.6% to 7% in 2014, significantly improving portfolio quality.
  • Grew the SME loan book from Ksh 12M to Ksh 245M within one year, exceeding growth and profitability targets.
  • Awarded Best Retail Banker in Kenya for outstanding performance in asset and liability growth at KCB Bank.
  • Recognized as 2nd Best SME Banker for exceptional SME relationship management and achieving the highest club recruitment.
  • Received 7 Snap Awards for exceptional teller performance, executing up to 480 transactions in a single day.
  • Awarded for exceptional brand visibility and customer engagement under the social media category at KCB.
  • Elected as a trustee member for the KCB staff DC pension scheme for two consecutive terms.
  • Recognized as Best in the SSP Programme, achieving the highest number of interviews and successful referrals in the country.

Reading, Coaching and Training

Beyond my professional qualifications, I bring a strong passion for financial empowerment and SME development, having led various community-based training sessions for entrepreneurs on access to finance and formalization. I’m fluent in English and Swahili, which helps me engage effectively with a wide range of clients and stakeholders across Kenya.

I enjoy mentoring young professionals, reading thought leadership pieces on African economic transformation, and participating in professional networks that focus on trade finance and inclusive banking. These interests keep me grounded, curious, and constantly seeking new ways to add value to both clients and my team.

Timeline

Branch Manager

UBA Bank Kenya
01.2025 - Current

Branch Center Manager (Platinum)

KCB Waterfront Karen
09.2021 - 11.2024

SME Relationship Manager

KCB Biashara Club
01.2015 - 08.2021

Business Manager

KCB Kiserian Branch
11.2012 - 12.2014

Head Teller

KCB Nakuru Branch
05.2011 - 11.2012

Credit Administrator

KCB Nakuru Branch
11.2010 - 04.2011

Assistant Manager Customer Service

KCB Nakuru Branch
10.2009 - 11.2010

Bachelor's of Science in Agriculture - Horticulture

Egerton University

Master of Business Administration (MBA) - Project Planning and Management

University of Nairobi
Moses OdipoStrategic Growth Leader In High Net Worth And SME Banking