RUTH MWIKALI
Machakos
Summary
I am a highly dedicated professional with aspiring progressive career, with over than 4 years’ experience in credit (Banking sector) and customer service. Additionally, am a fastidious debt collection officer adept at implementing effective debt collection procedures in accordance with banking industry guidelines. Skilled at multitasking to ensure maximum productivity. Ruth is a competent and organized individual who is able to work as part of a team and manage several priorities at any one time. Ruth has a positive attitude, strong work ethic, and a keen desire to learn and grow within a firm. She possesses superb communications skills and always treats people with respect and according to their individual needs.
Overview
13
13
years of professional experience
Work History
Debt Recovery Manager
MyCredit Limited
04.2020 - 07.2023
- Coordinate collections and recovery initiatives, monitor and manage the Bank's portfolio, attend to customer queries/complaints, provide accurate and timely reports, plan and coordinate portfolio review meetings, formulate and manage collection strategies, monitor team performance.
Senior Analyst Mobile Money
MyCredit Limited
04.2018 - 03.2020
- Data analysis, creating scoring and rating mechanism, analyzing borrowing and payment patterns, risks analysis, portfolio management, reconciliation, submission of data to CRBs, preparing reports.
Senior Credit Officer
UWEZO MICROFINANCE BANK
07.2015 - 05.2017
- Appraisal and documentation of loans application, marketing of bank products, maintaining a quality asset portfolio, delivering on set targets, representing loans applications to the credit committee, monitoring working loans, institution appraisal, championing customer service, marketing and creating new relationships, loan application processing, managing a DSR team of 5.
Teller
IMARA SACCO
05.2014 - 06.2015
- Making internal transfers and outward clearing of cheques, ensuring good quality service to customers, entering customers' transactions into computers, receiving payment by cash deposits and cheques, maintaining daily, weekly and monthly reports, guiding and solving customer queries, reconciling cash in hand and system entries, custodian of cash on site, order supply of cash, ensuring collection of charges and commissions, making amendments pertaining to existing accounts.
Customer Service
Masaku Teachers Sacco
01.2011 - 12.2013
- Responding promptly to customer enquiries, keeping up to date with company's products and services, promoting company's products and services, dealing efficiently with customer questions and queries, opening accounts for new clients and activation of dormant accounts.
Education
Bachelors in international business management -
KCA University
06.2024
Diploma in Co-operative Banking -
Co-operative University College
12.2010
Kenya Certificate of Secondary Education -
Machakos Girl’s High School
12.2006
Kenya Certificate of Primary Education -
Machakos Primary School
12.2002
Skills
- Business Development: Ability to generate new businesses through intense and consistent marketing and presentations to both existing and potential customers
- Customer Service Skills: I am able to meet both internal and external customer’s needs and expectations consistently by providing world class customer experience
- Communication Skills: I am an excellent communicator who effectively conveys information both verbally and in writing I am also a keen listener and gives prompt feedback
- Debt Collection Skills: Vast experience with various financial and debt collection procedures Additionally, strong knowledge of credit and debt collection laws and regulations in Kenya
- Relationship Management: I am a proven relationship builder with excellent interpersonal skills and I am able to nurture and retain strong relationships with existing and new customers
- Collaborative: Able to work well with a range of people both within and outside of the organization
References
- Vivian Wanjiru Mbugua, Human Resource Manager, Uwezo Microfinance Bank, P.O Box 1654_00100, Nairobi, 0727498737, vmbugua@uwezomfbank.com
- Joseph Thuo, Debt Collection Manager, Park-Plaza Branch, Uwezo Microfinance Bank, P.O Box 1654_00100, Nairobi, 0726851300, jthuo@uwezomfbank.com
- Teresiah Macharia, Senior Manager, Mobile Money, P.O Box 5704-00100, Nairobi, 0721 670754, tmacharia@mycredit.co.ke
Timeline
Debt Recovery Manager
MyCredit Limited
04.2020 - 07.2023
Senior Analyst Mobile Money
MyCredit Limited
04.2018 - 03.2020
Senior Credit Officer
UWEZO MICROFINANCE BANK
07.2015 - 05.2017
Teller
IMARA SACCO
05.2014 - 06.2015
Customer Service
Masaku Teachers Sacco
01.2011 - 12.2013
Bachelors 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
Kenya Certificate of Primary Education -
Machakos Primary School
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