Summary
Overview
Work History
Education
Skills
References
Timeline
Generic

RUTH DANIEL

Summary

Versatile and highly skilled individual with a strong background in the banking sector. Proven as a result-oriented Debt Recovery Manager at MyCredit Limited. Successfully executed collection and recovery initiatives, leading to a significant reduction in outstanding debt. Demonstrated expertise in data analysis and risk management as a Senior Analyst Mobile Money, developing scoring mechanisms and implementing strategies to minimize default rates. Showcased ability as a Senior Credit Officer at Uwezo Microfinance Bank, appraising loan applications, maintaining high-quality asset portfolios, and delivering exceptional customer service. Holds a Bachelor of Science in International Business Management from KCA University and a Diploma in Co-operative Banking from Co-operative University College. Seeking opportunities to leverage skills and experience in a challenging and dynamic environment.

Overview

9
9
years of professional experience

Work History

DEBT RECOVERY MANAGER

MyCredit Limited
08.2020 - 07.2023
  • Coordinated and led collection and recovery initiatives, resulting in a 20% reduction in outstanding debt within the first year
  • Monitored and managed the loan book, ensuring timely and effective recovery processes and minimizing potential losses
  • Addressed queries and complaints from both internal and external clients, providing prompt and satisfactory resolutions
  • Generated accurate and timely recovery reports, facilitating informed decision-making and improving transparency in debt recovery operations
  • Planned and coordinated portfolio review meetings, identifying areas for improvement and implementing strategies to optimize collection efforts
  • Formulated and executed collection strategies, leveraging data analysis and industry best practices to maximize recovery rates
  • Managed and mentored the Debt Recovery Team, fostering a collaborative and high-performing work environment
  • Maintained consistent and clear communication with stakeholders, ensuring alignment and understanding of debt recovery objectives and progress.

SENIOR ANALYST MOBILE MONEY

MyCredit Limited
08.2020 - 07.2023
  • Conducted comprehensive data analysis, leveraging advanced statistical techniques to identify patterns and insights related to borrowing and payment behaviors
  • Developed and implemented a robust scoring and rating mechanism, enhancing the accuracy and effectiveness of credit assessments and risk management processes
  • Analyzed borrowing and payment patterns, identifying areas for improvement and implementing strategies to minimize default rates and maximize portfolio performance
  • Conducted thorough risk analysis, evaluating the creditworthiness of borrowers and making informed recommendations to mitigate potential risks
  • Managed the portfolio of mobile money transactions, ensuring timely and accurate reconciliation and submission of data to Credit Reference Bureaus
  • Prepared detailed reports on key performance indicators, providing actionable insights to senior management and stakeholders
  • Maintained consistency in formatting and style across all reports and documentation, ensuring a professional and polished presentation
  • Diligently proofread all reports and data submissions, ensuring accuracy and adherence to regulatory requirements.

SENIOR CREDIT OFFICER

Uwezo Microfinance Bank
07.2015 - 05.2017
  • Conducted thorough appraisal and documentation of loan applications, ensuring accuracy and compliance with bank policies and regulations
  • Successfully marketed bank products, resulting in a 20% increase in customer acquisition and retention
  • Maintained a high-quality asset portfolio, minimizing default rates and improving overall loan performance
  • Presented loan applications to the credit committee, effectively communicating the creditworthiness and viability of each applicant
  • Processed loan applications efficiently, ensuring timely disbursement and excellent customer service
  • Developed and nurtured relationships with clients, fostering trust and loyalty to the bank
  • Managed a sales team of 5, providing guidance and support to achieve sales targets and deliver exceptional customer service
  • Consistently championed customer service, resolving customer issues promptly and ensuring a positive banking experience
  • Implemented effective marketing strategies, resulting in a 15% increase in new business relationships
  • Maintained consistent formatting and tense usage throughout the work-history section, enhancing readability and professionalism
  • Proofread all loan documentation and reports, ensuring accuracy and compliance with regulatory requirements.

CUSTOMER SERVICE OFFICER

Masaku Teachers Sacco
07.2015 - 05.2017
  • Provided prompt and efficient responses to customer inquiries, ensuring high levels of customer satisfaction and retention
  • Maintained up-to-date knowledge of company products and services, effectively communicating their features and benefits to customers
  • Actively marketed the company's products and services, resulting in a 10% increase in customer acquisition
  • Resolved customer queries and concerns efficiently, demonstrating strong problem-solving skills and a customer-centric approach
  • Facilitated the onboarding process for new clients, opening accounts and activating dormant accounts, streamlining the customer experience
  • Ensured clear and effective communication with customers, avoiding industry-specific jargon and using language easily understood by all
  • Consistently followed company guidelines and procedures, maintaining accuracy and professionalism in all customer interactions
  • Diligently proofread all customer-facing materials and communications, ensuring they were error-free and conveyed the intended message accurately.

TELLER

Imara Sacco
05.2014 - 06.2015
  • Facilitated internal transfers and processed outward clearing of cheques, ensuring accurate and timely transactions for customers
  • Recorded and documented customer transactions, efficiently handling cash deposits and cheque payments
  • Generated daily, weekly, and monthly reports, providing accurate financial data for management analysis
  • Assisted customers by addressing their queries and providing guidance on banking services and products
  • Conducted regular cash reconciliations, ensuring accuracy between cash in hand and system entries
  • Acted as custodian of cash on site, maintaining strict security protocols and ensuring safety of funds
  • Maintained consistent and clear communication with customers, colleagues, and management, avoiding industry-specific jargon for better understanding
  • Diligently proofread all reports and documentation, ensuring they were error-free and presented a professional image.

Education

Bachelor of Science in International Business Management -

KCA University
01.2024

Diploma in Co-operative Banking -

Co-operative University College
01.2010

Kenya Certificate of Secondary Education -

Machakos Girl's High School
01.2006

Skills

  • Business Management
  • Business Planning
  • Portfolio Management
  • General Marketing
  • Billing and Collections
  • Financial Planning & Analysis
  • Account Reconciliation

References

  • Boniface Kiriro, Chief Finance Officer, Mycredit Limited, 0723955678, Bkiriro@mycredit.co.ke
  • Martin K. Kithinji, Head of IT and Business Development, Integral Credit Limited, P.O Box 4960 - 00100, 0724 676261, Martin@integralcredit.co.ke

Timeline

DEBT RECOVERY MANAGER

MyCredit Limited
08.2020 - 07.2023

SENIOR ANALYST MOBILE MONEY

MyCredit Limited
08.2020 - 07.2023

SENIOR CREDIT OFFICER

Uwezo Microfinance Bank
07.2015 - 05.2017

CUSTOMER SERVICE OFFICER

Masaku Teachers Sacco
07.2015 - 05.2017

TELLER

Imara Sacco
05.2014 - 06.2015

Bachelor of Science in International Business Management -

KCA University

Diploma in Co-operative Banking -

Co-operative University College

Kenya Certificate of Secondary Education -

Machakos Girl's High School

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RUTH DANIEL