Rita Bisaule
Credit Analyst
Nairobi, Nairobi Province
Summary
Expert Credit and Data Analyst with 5 years of experience. Spearheads strategic planning initiatives relating to development and maintenance of risk management procedures meeting corporate-defined operational requirements. Strong contributor achieving goals through strong analytical skills and structured approach to resolution.
Overview
2025
2025
years of professional experience
4064
4064
years of post-secondary education
Work History
Senior Credit Risk Officer
MYCREDIT LIMITED
5 2023 - 8 2024
- Conducting thorough analysis and due diligence of credit requests, financial statements including new requests and changed requests
- Ensure efficient customer support to Business Development teams through timely and coherent feedback within approved SLAs and TAT's
- Presenting analysis findings and recommendations to managers especially that involve a borrower's repayment ability
- Evaluation of a customer's credit risk and determining their ability to successfully service the requested facility on time
Credit Risk Officer
TIJAARA FINANCE (Subsidiary of MyCredit Ltd)
05.2023 - 08.2024
- Conducted in-depth credit risk assessments for individuals and corporate clients in compliance with Islamic finance principles (Murabaha, Ijarah, Musharaka, etc.)
- Analyzed financial statements and creditworthiness, ensuring all financing arrangements adhered to Shariah guidelines
- Collaborated with Shariah advisory boards to review and approve financing structures
- Monitored portfolio performance and recommended risk mitigation strategies for Islamic financing products
- Successfully maintained high portfolio quality, achieving 55% reduction in non-performing Islamic assets
- Prepared and presented comprehensive credit reports to senior management and stakeholders
Credit Risk Officer
RAFIKI MICROFINANCE BANK
08.2019 - 05.2023
- Evaluation of a customer's credit risk and determining their ability to successfully service the requested facility on time
- Ensure 100% compliance to the credit policy, Central Bank of Kenya regulation, Microfinance Act and legal framework
- Conducting thorough analysis and due diligence of credit requests, financial statements including new requests and changed requests
- Assist the bank to maintain a healthy loan book portfolio, generate reports and maintain a good relationship with the bank's branch network
- Ensure efficient customer support to Business Development teams through timely and coherent feedback within approved SLAs and TAT's
- Presenting analysis findings and recommendations to managers especially that involve a borrower's repayment ability
- Preparation of a detailed credit proposal in the Bank's approved format detailing the credit risk analysis of the customer/ borrower
- The credit proposal shall be forwarded to the credit risk manager for review and guidance
- Conducting customer visits during the analysis stage randomly or on a need basis to familiarize with the borrower's business, environment, and operating environment
- Tasked on updating the bank's data on the Total Cost Credit website in order for the site presents accurate estimates of the bank's facilities to the public
- Regular training attendance of THE MOVABLE PROPERTY SECURITY REGISTRY (Act 2017) as well as other business forums organized by Kenya Bankers Association (KBA)
- In numerous occasions I have had an opportunity to assist the Head of Credit in preparation for the Board Credit Committee meetings
- In year 2023, I was privileged to join the War Room Campaign organized by Rafiki Microfinance Bank with a focus to mobilize deposits and collections
- Being at the forefront, I managed to assist collect ksh.129Million against a set target of ksh.521Million
Internship
RAFIKI MICROFINANCE BANK
02.2019 - 04.2019
- Gained a comprehensive understanding of the bank's system and organizational structure
- Acquired skills in communication, leadership, teamwork and punctuality
- Strengthened virtues of respect, client relations, patience, open-mindedness and time management
Society Project Junior Officer
KENYA RED CROSS ASSOCIATION
01.2016 - 01.2018
- Participated in the program 'Feeding the Children of Kenya.'
- Led a team, set targets for distribution of food and amenities, and ensured synchronization among team members
Flight Operations Officer
RELIANCE AIR CHARTERS
01.2015 - 01.2016
- Monitored flights to ensure safety and kept pilots informed of flying conditions
- Planned flight routes and ensured crew qualifications and fuel load adequacy
Internship
FLEX AIR CARGO LIMITED
01.2013 - 01.2014
- Planned and coordinated flight routes considering weather, aircraft specifications and landing conditions
- Adjusted flight routes and ensured the correct fuel load for aircraft
Cabin Crew Instructor
SKYLINK FLIGHT SCHOOL
01.2012 - 01.2014
- Taught classes of more than 25 students on Cabin Crew curriculum, grooming, presentation and safety roles
Education
Credit Analysis and Relationship Management -
Kenya School of Credit Management
01.2022 - 01.2023
Certificate of completion - Sustainable Finance Initiative Courses
Kenya Bankers Association
BBA - Business Administration and Management
Daystar University
Nairobi, Kenya 04.2017 - 01.2019
Diploma - Flight Dispatch and Operations
Aero link Flight Centre
Wilson Airport, Kenya 01.2014 - 01.2016
Certificate - Cabin Crew
Skylink Flight Services
Wilson Airport, Kenya 01.2012 - 01.2013
Certificate - Computer Packages
Webbs Institute College
01.2011 - 01.2012
KCSE - undefined
Nembu Girls Secondary High-school
01.2008 - 01.2011
KCPE - undefined
Phoenix Lake View Primary school
01.2000 - 01.2007
BBA - Business Administration and Management
Daystar University
Nairobi, Kenya 04.2017 - 01.2019
Certificate of completion - Sustainable Finance Initiative Courses
Kenya Bankers Association
Credit Analysis and Relationship Management -
Kenya School of Credit Management
01.2022 - 01.2023
Skills
Data Analysis
Credit Risk Assessment
Financial Analysis
Regulatory Compliance
Problem Solving
Decision Making
Team Collaboration
Risk Reporting
Sanctions Screening
Key risk indicators
Enterprise risk management
References
- Geoffrey Gichuki Kariuki, Amica Sacco Society Limited, +254 721816286, geofreygichukih@gmail.com
- Victor Khaduli, Middle East Bank Kenya Limited, +254 722957137, vkhaduli@gmail.com
- Kapita Mathendu, Chief Ground Instructor, Aero Link Flight Centre, Wilson Airport, KENYA, +254 725525626
Timeline
Credit Risk Officer
TIJAARA FINANCE (Subsidiary of MyCredit Ltd)
05.2023 - 08.2024
Credit Analysis and Relationship Management -
Kenya School of Credit Management
01.2022 - 01.2023
Credit Analysis and Relationship Management -
Kenya School of Credit Management
01.2022 - 01.2023
Credit Risk Officer
RAFIKI MICROFINANCE BANK
08.2019 - 05.2023
Internship
RAFIKI MICROFINANCE BANK
02.2019 - 04.2019
BBA - Business Administration and Management
Daystar University
04.2017 - 01.2019
BBA - Business Administration and Management
Daystar University
04.2017 - 01.2019
Society Project Junior Officer
KENYA RED CROSS ASSOCIATION
01.2016 - 01.2018
Flight Operations Officer
RELIANCE AIR CHARTERS
01.2015 - 01.2016
Diploma - Flight Dispatch and Operations
Aero link Flight Centre
01.2014 - 01.2016
Internship
FLEX AIR CARGO LIMITED
01.2013 - 01.2014
Cabin Crew Instructor
SKYLINK FLIGHT SCHOOL
01.2012 - 01.2014
Certificate - Cabin Crew
Skylink Flight Services
01.2012 - 01.2013
Certificate - Computer Packages
Webbs Institute College
01.2011 - 01.2012
KCSE - undefined
Nembu Girls Secondary High-school
01.2008 - 01.2011
KCPE - undefined
Phoenix Lake View Primary school
01.2000 - 01.2007
Senior Credit Risk Officer
MYCREDIT LIMITED
5 2023 - 8 2024
Certificate of completion - Sustainable Finance Initiative Courses
Kenya Bankers Association
Certificate of completion - Sustainable Finance Initiative Courses
Kenya Bankers Association
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