NGUNDI THEOPHILAS MUTINDA
kisii
Summary
Detail-orientated Sales and Credit Manager skilled at analyzing lending activities according to current regulations, standards and market conditions. Offering over 10 years of financial and sales experience in the banking, insurance and auto mobile industry. Driven professional with firm background of discretion and confidentiality. Strong command of data security and client privacy protocols. Proactive problem-solver and diplomatic communicator with history of reliable performance.
Overview
16
16
years of professional experience
1
1
Certification
Work History
Unit Manager
Pioneer Assurance
Kericho
08.2024 - Current
- To recruit a team of Financial Planners as per the corporate strategy
- To ensure and maintain levels of productivity as prescribed
- To develop various business segments as per the sales strategy
- To train Financial Planners working closely with the Training unit
- To uphold the brand image and ensure compliance with all internal as well as external regulations
SALES & CREDIT MANAGER
DAVGRA TRADE MERCHANTS
Kisii
05.2023 - 07.2025
- Cultivated customer satisfaction by conducting follow up phone calls
- Co-ordinating with sales team to ensure sales targets are achieved
- Oversaw all reporting, documentation and record-keeping requirements for department
- Contacted customers to build trust and leverage consultative sales techniques
- Assisted in implementing special promotions relating to direct sales segments
- Guided team progress by reinforcing goals and objectives and setting clear expectations surrounding policies and procedures
- Coordinated department workflow, appraised performance and collaborated with human resources to address complex issues
- Identified challenges, analyzed root causes and implemented strategies to mitigate issues
- Enforced adherence to established loan policies and procedures
- Oversaw processing and verification required for applications and risk ratings
- Minimized and mitigated fraud risks and other potential losses by managing sound security strategies
- Oversaw collection process for delinquent accounts by working with attorneys and outside agencies
- Helped customers with financial problems using relationship-based approach
- Recruited and trained top-quality candidates to fill vacancies and maximize team performance
CREDIT OFFICER
Co-operative Bank of Kenya
01.2017 - 03.2023
- Sale of bank products both personal and business, grow NFI and loan book management
- Sale of insurance products to both individuals and business
- Devise collection recovery strategies to resolve customer issues and delinquent cases
- Optimize credit approval and collection processes, improving operational efficiencies
- Collaborate with management to evaluate credit strategies and develop improvements
- Collect data and performed trend and variance analysis to mitigate risk arising from bad debt
- Attract new businesses, ensure customer retention and offered exemplary customer service
- Ensure compliance with bank loan policies and government regulations
- Oversaw all reporting, documentation and record-keeping requirements for department
- Reduce past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments
- Manage and support sales executives
SALES EXECUTIVE
Co-operative Bank of Kenya
01.2013 - 12.2016
- Account mobilization, marketing and selling loans, credit cards, internet banking and m-wallet services, appraising and analyzing loan application and proper documentation of customer profile
- Built focused new client networks, growing business opportunities and increasing revenue possibilities
- Fostered positive relationships with customers to enhance loyalty and retention
- Effectively handled daily customer meetings, sales calls and account management tasks, improving sales team efficiency
- Developed plans and reports to effectively deliver on KPIs
- Delivered professional sales presentations, creatively communicating product quality and market comparisons to prospective clients
TEACHER
Jowhar Al-Islam Secondary School
Mandera
05.2012 - 09.2012
- Taught Geography and Kiswahili and also doubled up as a form two Class teacher
- Adapted teaching methods and materials to meet students' varying needs and interests
- Planned and organised classrooms that consistently facilitated a positive learning experience
- Met with parents to resolve conflicting educational priorities and issues
TEACHER
Mungyani Secondary School
05.2009 - 09.2009
- Taught Geography and Kiswahili and also doubled up as a form two Class teacher and a C.U patron
- Worked with other teachers and administrators to evaluate and revise elementary school programmes
- Worked collaboratively with other teachers to review data and develop instructional strategies to address student learning objectives
- Encouraged students with special academic interests to fully pursue those subjects
Education
BACHELOR OF BUSINESS AND MANAGEMENT -
Kisii University
05.2013
KENYA CERTIFICATE OF SECONDARY EDUCATION -
Mukaa Boys High School
05.2007
KENYA CERTIFICATE OF PRIMARY EDUCATION -
Mbuvuni Primary School
05.2003
Skills
- Credit compliance analysis
- Performance monitoring
- Flexible and adaptable to change
- Confident
- Well-organized report presenter
- Ability to negotiate and convince clients
- Pipeline Management
- Sales Tracking
- Sales Reporting
- Sales presentation
- Sales Planning
- Direct Sales
- Verbal and written communication
- Contact follow-up
Certification
- Certified Public Accountants (CPA), 01/01/10
- Operational Efficiencies, 12/01/12
References
- Dr. Samuel Macharia Were, Lecturer, Catholic University of Eastern Africa,P.O BOX 62157-00200 Nairobi +254 724 656 264, sammwere@gmail.com
- Killion Nyaneti Obegi, Credit Manager, Co-operative Bank, P. O. box 444, Kisii, KISII, 40200, +254 727 706 389, kobegi@co-opbank.co.ke
- Vincent Matonda Mokua, Manager,Pioneer Assurance- Kericho, P.O. Box 20333,Nairobi, +254 720 456 735, vmokua@pioneerassurance.co.ke
- Rev. Elisha Onditi Odero, Director, Open Christian Academy, P.O. BOX 3204, Kisii, KISII, 40200, +254 723 710 904, elishodero@gmail.com
Languages
- English, Advanced (C1)
- Swahili, Advanced (C1)
Training and workshops
- Strategic marketing as a force behind business growth in the realization of vision 2030, Kisii University, 04/05/13
- Kenya Vision 2030, opportunities and challenges, Kisii University accounting students' association (ASA), 10/25/12
Timeline
Unit Manager
Pioneer Assurance
08.2024 - Current
SALES & CREDIT MANAGER
DAVGRA TRADE MERCHANTS
05.2023 - 07.2025
CREDIT OFFICER
Co-operative Bank of Kenya
01.2017 - 03.2023
SALES EXECUTIVE
Co-operative Bank of Kenya
01.2013 - 12.2016
TEACHER
Jowhar Al-Islam Secondary School
05.2012 - 09.2012
TEACHER
Mungyani Secondary School
05.2009 - 09.2009
BACHELOR OF BUSINESS AND MANAGEMENT -
Kisii University
KENYA CERTIFICATE OF SECONDARY EDUCATION -
Mukaa Boys High School
KENYA CERTIFICATE OF PRIMARY EDUCATION -
Mbuvuni Primary School
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