kelvin kiragu

I am finance and banking professional with work experiences in grant utilization, credit, and financial management, banking, leadership, executive negotiations and decision-making, personnel administration and training, client relationship management areas. I’m also capable of strategizing and making informed decisions, and good at using SAP, Ms Office & SPSS suites. Also, I’m a resilient and result-oriented, fast learner, self-motivated & control, flexible and team player able to address challenges and solve critical problems.

Consultant – Agribusiness/Climate Change Action Support                   November 2021 to Date

Having worked with Hand in Hand Eastern Africa,  ILRI, and other local based NGO’s, I was assigned  activities not limited to the below in collaboration with recipients :

• Assess projects’ abilities to take on loans and successfully execute their proposed business plans.
• Establish/Develop plans within different agriculture segments that supports climate change action and renewable energy within the individual farmers and corporates assigned to me.
• Review loan candidates’ business plans and provide detailed commentary on key agricultural and business criteria.
• Assess current financial and social impact record keeping and reporting capabilities among funded projects; identify gaps and develop solutions to address these gaps.
• Develop processes for obtaining quarterly financial and social impact reports
• Contribute to the creation of reporting templates that can be utilized for obtaining funding from private and other finance based lending institutions.
• Develop implementation plan for rolling out quarterly reporting procedures among funded projects, as well as for explaining reporting protocols to future funded projects.

Among the things that I got to learn during my independent service is how to match productivity with income generation. Also, being an independent consultant, I got to explore different ways that the recipients of the funding provided by the stated NGOs and others not stated enabled them enhance their production, increase on employment and subsequently meet the ultimate goal within each of the NGOs which contracted my services.

 Family Bank Limited                                   December 2020 to October 2021

Senior Relationship Officer-Kutus-Kirinyaga County

• Oversees the credit function at the branch by enforcing adherence to the credit policy and procedures. 
• In charge of the branch loan book. 
• Provides leadership to the Relationship officers at the branch level. 
• Be the custodian of a comprehensive set of Credit Risk Policies and Procedures at the branch; as well as recommend any necessary changes in the credit policy to senior management 
• Meet Business Banking sales targets both in number of loan accounts and volume and deposits through cross selling to existing customers and acquiring new customers. 
• Generate new sales leads from customers/ new company’s referrals from existing customers, or personal connections 
• Prepare target audience/lead lists and sales activities plans; implement and fill in accurately sales activities reports 
• Conduct daily company visits/ customer meetings with the objective of acquiring new customers / selling bank products 
• Ensures that all new businesses are in line with AML/KYC and CTF laws and regulations and customer information is regularly updated. 
• Ensure adherence of all bank’s prescribed processes, standard operating procedures and central bank requirements. 

Achievements in my SRO Position

• Led a team of 13 agricultural professionals/institutions in the development and implementation of a new agricultural advisory and lending strategy that resulted in a cumulative 8% increase in loan portfolio across two branches.
• Developed and implemented a new risk management system that resulted in a significant reduction in loan losses from which I earned two best performing loan book awards as the senior relationship officer.
• Successfully negotiated new lines of credit with major players in the agricultural value chain (Dairy and Coffee) that resulted to more than 500 retail customers in the value chains opening accounts in the bank.
• Facilitated a highly successful restructure and renegotiation of a bank credit facility to one of the most successful dairy industry players that helped the company reignite its performance and turnaround its dwindling incomes. 

Family Bank                                                                                     January 2016 – November 2020

Relationship officer-Business/Agribusiness Banking 

• Conducting credit appraisals, disbursements and preparing credit performance reports.
• Updating credit records, statements and daily transactions in the system.
• Complying with the bank’s credit policy and regulator’s regulations.
• Reviewing authenticity of securities submitted for charge.
• Reconciling credit facilities and approved daily transactions.
• Addressing client account concerns and providing relevant information.

Achievements

• Two times Top sales person across the Family Bank network in level 2 (operations officer) of the bank
• Top Loan Book Growth in three subsequent years during my time at Kutus Branch as an RO
• Rapid expansion of the SME book in Kutus Branch in terms of both assets and liabilities
• Recruited 3 corporates in the country located in Kutus and Embu working in the agriculture sector into the branch.
• Enhanced social connection with the SMEs that gave me an upper hand which resulted to immense SME growth during my time in Kutus Branch.

Family Bank

Operations Officer-Embu                                                               June 2013-December 2015

• Cross-sold bank products including Alternative Business Channels and reconciled daily cash transactions.
• Advised clients on currency foreign exchange rates and exchanged per set rates.
• Opened and updated customer bank account details.
• Issued chequebooks to customers and improved customer retention levels at the branch.
• Addressed customer concerns and established sustainable customer relationships.

Ensured seamless service delivery and actively participated in field operations

• Certified Public Accountant (CPA) IV (Finalist)                               2009-2012
• Kenyatta University                                                                    2009 to 2013

Bachelor of Economics and Statistics