Wallace Opiayo
Summary
Results-driven banking professional with 6 years of experience in sales and financial services, consistently exceeding targets and contributing to revenue growth. Proven ability to analyze financial data, identify opportunities for improvement, and implement effective solutions. Skilled in building strong client relationships and fostering team collaboration. Seeking a Relationship Manager position to leverage my experience in driving client portfolio growth and enhancing customer satisfaction within a dynamic banking environment.
Overview
8
8
years of professional experience
Work History
SME Portfolio Analyst
Absa Bank
06.2024 - Current
- Portfolio Monitoring and Maintenance: Monitoring adherence to risk service standards, supporting timely completion of annual reviews, and managing data clean-up and balance updates for overdue reports. Additionally, I review dormant and active accounts, manage risk reports, control portfolio quality, and proactively handle EWL customers to reduce risk
- Debt Collections: I contact customers in arrears and accounts in excess, sending demand notices, and reviewing SMS lists for distressed accounts. Additionally, I liaise between the Business team and C&R to ensure timely downgrades to Recoveries, and receipt of customer files within 10 days.
- Sales Management: I Notify RMs and customers about expiring and expired trade limits, identifying and recommending restreaming of incorrectly streamed SME accounts, and manage turnover movement for all borrowing names with monthly cluster reports.
- Staff Management: I provide daily support to Enterprise Bankers and branch staff for maintaining credit portfolio quality, conducting periodic snap checks for SME borrowing files, managing personal leave plans, and offering support as needed by the business.
- Risk & Control Objective: I ensure that all activities and duties are carried out in full compliance with regulatory requirements, the Enterprise-Wide Risk Management Framework, and internal Absa Bank Kenya Plc Policies and Policy Standards.
- Ensured 100% compliance with annual reviews, EWL classification, and turnover monitoring month-over-month.
- Reduced arrears from over 600M in June to below 400M in December 2024
Universal Banker
Absa Bank
08.2023 - 06.2024
- Business Growth: I implemented strategic initiatives to increase new business and wallet share, through understanding all banking products to meeting customer needs, and managing portfolio risks, developing sales initiatives, conducting market intelligence, and contributing to branch sales strategy
- Additionally, I was adept at addressing customer issues, ensuring quality sales, monitoring performance, and driving business targets while maintaining excellent customer experience
- Internal Controls & Risk Management: - I ensured adherence to Absa bank's policies and procedures, compliance with KYC and AML processes, and managing operational risks to prevent losses by effective cost management, conducting branch snap checks, ensuring proper booking of new business, and collecting all due income
- Customer Experience: -I maintained great customer relationships by providing excellent customer experience, achieving set TATs for account on-boarding and loan processing, and promptly addressing customer issues
Lead Generator
Absa Bank
05.2022 - 08.2023
- Deliver exceptional sales performance by identifying and meeting customer needs through selling & cross selling of all Absa Bank Retail products and services
- Agree, meet and exceed targets for specific sales campaigns and maintain own sales performance statistics for management information usage
- Conduct and drives campaigns at branches, targeted at personal and business banking
- Acquire and open new personal accounts according to customer needs
- Ensure that all activities and duties are carried out in full compliance with regulatory requirements, Enterprise-Wide Risk Management Framework and internal Absa Policies and Policy Standards
- Understand and manage risks and risk events (incidents) relevant to the role
- Awarded “Best Lead Generator Coast region 2022”
Relationship Officer
Faulu Microfinance Bank Limited
11.2019 - 06.2022
- Deliver on sales and business growth performance and guarantee high-quality customer service and to service existing customers to continuously grow the Bank's liabilities, Assets, and NFI
- Manage new and existing clients within the company portfolio, manage portfolio risks in alignment with the bank's appetite, and ensure adherence to all KYC and AML processes.
- Identify and close on corporate sales leads.
- Develop and execute marketing approaches for new business, and nurture existing relationships to achieve set targets.
- Ensure continuous improvement in customer service, and implement effective retention of customers.
- Develop and maintain strong working relationships with all existing clients at key levels.
- Monitor performance against targets daily, initiating action plans to address performance shortfalls.
- Grew my asset portfolio by over $180 million over two years and reduced the PAR from a high of 17% to a low of 5%.
- Interpersonal skills – I helped onboard new companies to the scheme, e.g., Kilifi High Vision Academies, St. Mateshi Junior, among others.
- Awarded runners-up for Best Relationship Officer in 2021.
Direct Sales Representative
Equity Bank
Kakamega
11.2016 - 11.2017
- Conducts a thorough financial needs assessment and recommends the most appropriate products and services for personal customer’s immediate and future financial needs at the branch
- Identifies and refers sales leads to other stakeholders including, Vehicle and Asset Finance (VAF), Digital Channel, Card, Home Loans and others
- Provides input into the marketing plan and campaigns targeted at increasing personal and business sales revenue
- Conducts and drives campaigns at branches, targeted at personal and business banking
- Acquire and open new personal accounts according to customer needs
- Teamwork and collaboration - was part of the team that promoted the Equitel banking platform
- My efforts and input were critical in the uptake of the Equitel sales
- Problem solving- working in a customer-oriented space, one of the key roles needed in dealing with relationship managed clients is to always be a good problem solver
- Interpersonal skills – I helped convince a client who was aggrieved by the bank reopen her account with us
- The bank made close to one million in revenue as a result of the client moving all her bank
Education
Certified Investment and Financial Analyst -
KASNEB
03.2025
Bachelor of Business Management (B.BM) - Risk Management, Insurance Management
Kisii University
01.2016
Skills
- Financial Management, Planning, and Modelling
- Strategic Thinking, Forecasting, and Partnerships
- Trade documentation analysis, assessment, and handling
- Operations Management
- Risk Assessment
- Budget Preparation
- Financial, business, and data analysis and reporting
- Communication skills
- Commercial awareness
- ICT Conversant
Training
- Credit Management Skills - Kenya School of Monetary Studies
- Presentation skills training program – Evidence Action Inhouse Training
- Leadership and Empowerment – In House Training
- Sales Management – Udemy Online Training
- Fraud and Risk – Inhouse Training
- Cyber Security – Inhouse Training
Hobbies and Interests
- Volunteering - Volunteered at Min of Education from 01/01/18 to 10/31/18
- Stage Acting
References
- Raymond Ndunga, SME & Portfolio Manager, Absa Bank Kenya, Raymond.Ndunga@absa.africa, +254720 787439
- Faith Thiongo, Branch Manager- Moi Avenue Branch, Absa Bank Kenya PLC, Faith.Thiongo@absa.africa, +254723 786 504
- Gideon Amangalia, Branch Manager- Kilifi Branch, Faulu Microfinance Bank, Kenya, Gideon.amangalia@faulukenya.com, +254720758209
Timeline
SME Portfolio Analyst
Absa Bank
06.2024 - Current
Universal Banker
Absa Bank
08.2023 - 06.2024
Lead Generator
Absa Bank
05.2022 - 08.2023
Relationship Officer
Faulu Microfinance Bank Limited
11.2019 - 06.2022
Direct Sales Representative
Equity Bank
11.2016 - 11.2017
Certified Investment and Financial Analyst -
KASNEB
Bachelor of Business Management (B.BM) - Risk Management, Insurance Management
Kisii University
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