NGUGI MATHEW
BANKER
Nairobi
Summary
I am a results-driven finance and operations professional with over 10 years of experience in SACCO management, banking, and microfinance. Currently serving as a Branch Manager at Fortune SACCO, I oversee branch operations, drive business growth, and ensure sustained profitability by increasing membership, savings, and loan portfolios. My expertise includes credit supervision, portfolio management, and process optimization, with a strong focus on delivering exceptional customer service and maintaining compliance with financial regulations.
Throughout my career, I have worked with diverse financial institutions, including Faulu Microfinance Bank, Juhudi Kilimo Finance Ltd, and Letshego Kenya Ltd where I honed my skills in financial analysis, business development, and team leadership. I have a proven ability to expand financial access, manage quality loan books, and foster positive client relationships, making me passionate about driving financial inclusion and empowering communities through innovative financial solutions.
Overview
11
11
years of professional experience
17
17
years of post-secondary education
3
3
Languages
Work History
BRANCH MANAGER
FORTUNE SACCO SOCIETY LTD
07.2023 - Current
- Execute and monitor Sacco's strategies at the branch level
- Direct all operational aspects including distribution operations, customer service, human resources, administration and sales
- Achieve branch growth through increased membership, savings, deposits, shares, loan book, and income to ensure sustained profitability
- Ensuring that the branch observes liquidity and cash ratios and that an adequate level of cash is maintained
- Adherence to the budgetary provisions as per the set standards
- Foster positive customer relations through effective and efficient service delivery and safeguarding the corporate image, monitoring customer feedback and recommending necessary measures to improve customer service
Branch Operations Officer
FORTUNE SACCO
07.2021 - 07.2023
- As a Branch Supervisor my main Job entails ensuring the Branch runs smoothly on a day to day basis
- Supervising the Credit and savings function of the branch to ensure operations are carried out in accordance with established rules and regulation
- Handling and managing Key Customers and provide Optimal Customer service
- Monitor and manage cash levels held at the vault and by tellers on daily basis
- Reviewing systems, processes and procedures of Branch Operations and make appropriate recommendation on improvements to branch manager
- Undertaking accounts reconciliations for Control accounts, Mpesa Agencies
- Chairing Branch Credit Committee for approvals and Loan recommendation
- Ensuring I grow the branch Portfolio as well as maintaining a good quality book
SME-leads generator
FAULU MICROFINANCE BANK
03.2021 - 08.2021
- As an independent agent my main work is to assist the branch manager in identifying potential SME clients
- Analyzing financial statements of client and advising them accordingly
- Identifying potential new areas where the bank can venture into
Senior Business Development Officer (SBDO)
JUHUDI KILIMO FINANCE LTD
01.2018 - 02.2021
- Training rural smallholder farmers on the company policies and procedures
- SME loan applications, approval and appraisals
- Assist the company to expand its territory and boosting its loan book within Kiambu, Nairobi and Kajiado county
- Assist farmers in acquiring Farm equipment tools, working capital, clean energy: solar panels, solar pumps, solar lanterns
- Work with program officers, country representatives, and other staff to conceptualize and design proposals for farmers needs new project activities
- Offering training to farmers on the different types of products offered and different companies policies and procedures
Relationship Finance Officer
LETSHEGO KENYA LTD
01.2015 - 11.2017
- Company Overview: (Member of Letshego Holding limited, Botswana)
- Portfolio growth from 10million to 60million
- Ensure Portfolio quality is adhered to
- Maintain accurate information in database and assist with conducting analysis of proposal development; Maintain accurate and timely electronic files
- Ensure business expansion as well as offering continuous trainings to groups and individuals on current change of Companies policies and procedures
- Educating members on important financial matters as well as emerging trends in the economy
- Researching the latest products, regulations and making necessary recommendations to management
- (Member of Letshego Holding limited, Botswana)
Intern/Accounts Assistant
Kenya Women Finance Trust
01.2014 - 08.2014
- Acted as unit account
- Marketing of the Company products and services
- Reconciliation of bank accounts
- Organizing and managing individual client and group clients
- Preparing and processing loan forms
- Assessing and analyzing clients business
Education
Master of Science - Finance
The Co-operative University of Kenya
01.2023 - Current
Bachelor Of Commerce - Finance option
Mount Kenya University
01.2011 - 01.2014
Computer packages - undefined
Kenya College of Commerce and Hospitality
KCSE - undefined
Sacred Heart Boys Secondary School
Rongai, Nakuru 01.2006 - 01.2009
KCPE - undefined
Milimani Primary School
01.1997 - 01.2005
Python programming Course - Django, flask, pandas, numpy, matplotlib, Restful APIs
Udemy Online School
01.2022 - 01.2023
Skills
Communication skills
Marketing skills
Creative and problem solving skills
Staff management
Business development
Team supervision
Staff training
Personal Information
- ID Number: 28620591
- Date of Birth: 10/23/90
- Religion: Christian
Timeline
BRANCH MANAGER
FORTUNE SACCO SOCIETY LTD
07.2023 - Current
Master of Science - Finance
The Co-operative University of Kenya
01.2023 - Current
Python programming Course - Django, flask, pandas, numpy, matplotlib, Restful APIs
Udemy Online School
01.2022 - 01.2023
Branch Operations Officer
FORTUNE SACCO
07.2021 - 07.2023
SME-leads generator
FAULU MICROFINANCE BANK
03.2021 - 08.2021
Senior Business Development Officer (SBDO)
JUHUDI KILIMO FINANCE LTD
01.2018 - 02.2021
Relationship Finance Officer
LETSHEGO KENYA LTD
01.2015 - 11.2017
Intern/Accounts Assistant
Kenya Women Finance Trust
01.2014 - 08.2014
Bachelor Of Commerce - Finance option
Mount Kenya University
01.2011 - 01.2014
KCSE - undefined
Sacred Heart Boys Secondary School
01.2006 - 01.2009
KCPE - undefined
Milimani Primary School
01.1997 - 01.2005
Computer packages - undefined
Kenya College of Commerce and Hospitality