Rufus Ndirangu Maina
Banking & Finance
Nairobi
Summary
Talented Banker bringing over 14 years' experience in People Management, Marketing, Business lending, Trade Finance, Credit Risk Control, Business advisory services and Relationship Management in the banking sector. Effectively manages assignments and team members to deliver set objectives through diligent planning and execution. Skilled in identifying business risks associated with onboarding & lending processes and recommending appropriate controls to mitigate the identified risks. Good at coaching and delivering focused work teams for optimized outcomes. Dedicated to meet and exceed the agreed objectives, set targets and deadlines through diligent work ethics and commitment to quality.
Overview
20
20
years of professional experience
4
4
Certifications
Work History
Branch Manager
MWANANCHI CREDIT LIMITED
06.2025 - Current
- Strategic Leadership
- Developed and implemented branch plans aligned with company goals
- Oversaw daily operations and ensured performance targets were met
- Led loan disbursement efforts, driving growth and compliance
Customer Service Excellence
- Championed a strong customer service culture
- Handled client issues and maintained key customer relationships
Operational Management
- Ensured proper documentation, file custody, and asset security
- Maintained a professional, secure, and efficient work environment
Team Leadership & Development
- Supervised and mentored branch staff for optimal performance
- Led recruitment and onboarding processes
- Conducted appraisals, coached staff, and fostered a positive team culture
Key Achievements
- Awarded Best Branch Manager – Q3 2025
- Featured in Mwananchi Credit Magazine for exemplary leadership
- Consistently delivered outstanding customer service
Relationship Manager - Business
Equity Bank
05.2024 - 05.2025
- - Led branch strategy, budgeting, and business growth initiatives
- Oversaw loan appraisal, credit risk assessment, and chaired Branch Credit Committee
- Managed customer relationships, driving retention and service excellence
- Built and coached high-performing teams; led succession planning
- Ensured compliance with regulatory and internal policies
- Identified market opportunities and drove sales through client engagement
- Maintained a quality loan book and ensured operational efficiency
- Achieved sustainable branch growth through strategic partnerships and cost control
Relationship Manager SME
Equity Bank Limited
08.2018 - 05.2024
- Contributed to the development of annual and quarterly financial plans and budgets for the branch.
- Mobilized deposits through targeted marketing and onboarding of 5 ecosystem sub-anchors, growing the SME loan book from Ksh 950M to Ksh 1.6B by May 2024.
- Enhanced loyalty and increased business by managing borrowing and non-borrowing customers, maintaining a low Portfolio At Risk (PAR) below 4%.
- Analyzed market trends and advised on sales initiatives, positioning Equity Bank as the preferred banking choice.
- Regularly assessed branch initiatives and implemented necessary actions
- Ensured adherence to regulatory policies and participated in Branch Credit Committees.
- Optimized Management Information Systems for performance tracking and submitted timely reports for decision-making.
- Maintained over 90% of institutional accounts.
- Achieved 1st Runners Up in Business Banking in 2021 (score: 4.3/5).
Senior Relationship Officer Micro Individual Lending Champion
Equity Bank Limited
03.2012 - 08.2018
- Carried out credit analysis and appraisal using CAMPARI model for the loan proposal applications
- Prudent Risk Management by ensuring compliance with regulatory requirements, CBK Prudential Guidelines/Risk Management Guidelines and the banks Credit Policies and procedures
- Made recommendations to the branch credit risk committee for new facilities, reviews, excess requests and early drawdown
- Marketed bank products to individuals and firms, promoting bank services that meet customer needs
- Maintained approved loan facilities in the core banking system for approval
- Ensured quality of the loan portfolio through follow ups and recoveries.
- Growth of the branch Micro loan book from 55m in 2012 to the 245m Million
- Always maintaining the PAR below 2%
Relationship Officer –Micro Credit Collection
Equity Bank Limited
11.2010 - 03.2012
- Hard collection of non-performing facilities; -Supporting Western and North Rift regions.
- Visiting branches in Western to assist in Recovery of Non-performing accounts.
- Analyzing Non –Performing accounts
- Conducting investigation to trace the client
- Negotiating the best workable repayment formula.
- Following to full loan repayment
- Rebuilding the Bank/Client Relationship
- Helped over 500 businesses affected by PEV revamp their business by restructuring their facilities
- Reducing segment PAR from high of 35% in 2010 to 10% by Q1 2012
Information Office and Weather Observer
Kenya Meteorological Department
04.2009 - 11.2010
- Gathering information/News affecting communities in Muranga County for dissemination through the community radio (Kangema Ranet FM)
- Working with community/Opinion leaders to know issues affecting the community and looking for experts to address them through the community Radio.
- Collecting weather data using weather instrument, coding them and forwarding them to Kenya Meteorological Department Headquarters for use in weather forecasting.
- Training local communities/Schools on weather issues for preparedness.
Assistant Accountant
Mumbu Holdings
05.2007 - 03.2009
- Collection and Safekeeping of cash and banking.
- Preparing of the Bank reconciliation statements.
- Preparation of Daily Summaries and monthly financial statement.
- Maintaining all Accounts records like cash book and petty cash.
- Preparation of monthly VAT returns.
- Maintaining of debtors and creditors’ records.
- Preparation of end of year financial statements.
- Monitoring of branches transactions
Finance & IT Officer
Kangema Wholesalers
01.2006 - 04.2007
- Tracking Daily sales data, accounts data ie cash book and petty cash, and Flow of Stock, using QuickBooks program
- Responsible for banking daily sales.
Education
Finance
Kenyatta University
Nairobi, Nairobi Province, Kenya 04.2001 -
Certified Public Accountant (Section 3) - Accounting
KASNEB
12.2006
Kenya Accounts Tecnatian Certificate (KATC) - undefined
KASNEB
12.2005
Kenya Certificate of Secondary Education -
KIAIRATHE SECONDARY SCHOOL
12.2002
Skills
Branch operations management
Certification
Foundation of Banking and Credit Moody’s Analytics Jan 2024
Interests
Travelling, Community service, watching documentaries
Timeline
Branch Manager
MWANANCHI CREDIT LIMITED
06.2025 - Current
Relationship Manager - Business
Equity Bank
05.2024 - 05.2025
Relationship Manager SME
Equity Bank Limited
08.2018 - 05.2024
Senior Relationship Officer Micro Individual Lending Champion
Equity Bank Limited
03.2012 - 08.2018
Relationship Officer –Micro Credit Collection
Equity Bank Limited
11.2010 - 03.2012
Information Office and Weather Observer
Kenya Meteorological Department
04.2009 - 11.2010
Assistant Accountant
Mumbu Holdings
05.2007 - 03.2009
Finance & IT Officer
Kangema Wholesalers
01.2006 - 04.2007
Finance
Kenyatta University
04.2001 -
Kenya Accounts Tecnatian Certificate (KATC) - undefined
KASNEB
Certified Public Accountant (Section 3) - Accounting
KASNEB
Kenya Certificate of Secondary Education -
KIAIRATHE SECONDARY SCHOOL
References
- James Muigai Gichohi
Business Growth and Development Manager,
Equity Bank Kenya Limited, Mamangina Branch
Email: james.muigai@equitybank.co.ke
Phone: +254763662053 - Rev. Dan Macharia
Parish Priest, A.C.K Diocess of M.T Kenya South
Email:
Phone: +254721527132 - Felister Nyambura Magondu
Marketing Manager Bank Assurance
Equity Bank Kenya Limited
Email: felister.nyambura@equitybank.co.ke
Phone: +254725661140
Awards
President’s Award Service (PAS), Graduated with a Silver Standard.