mugerah wanjiru

Professional Credit Manager and Credit Analyst with years of experience form various lending institutions.
Proficient knowledge in assessing client application. establishing creditlines, making crucial credit decisions,
conducting financial reports, and reducing overdue accounts. Extraordinary analytical and innovative skills, strong
knowledge of financial markets,and high attention to accuracy. Strong and decisive leader with organizational,
team building, planning skills,problem solving and judgemental and facts based decision making skills.Mantains
an uncompromising focus on high quality standards and bottom line profit improvement. Effective technical and
communication abilities, data entry management skills as well as interpersonal skills. Excel at turning under
producing individuals into teams that work efficienty and exceed all expectations. Customer service orientated,
exceptional negotiation skills, active listening skills and detail oriented and ensuring customer loyalty and
increasing bottom line revenues. Managed more than 20+ staffs to deliver multimillion dollar projects on time and
under budget. Well equipped with sound financial management, emotional intelligence, entrepreneurial skills, ICT
skills, ability to work under pressure and delivery results in a timely manner.Always learning and taking advantage
of educational opportunities to keep current in legal and compliance issues.

Credit  Manager and Assistant Administrator   Apr 2022 - Nov 2022 
Jijenge Credit Limited , Nairobi  

● Coordinated office activities and operations to secure efficiency and compliance to company policies. 
● Managed enquiries from phone calls, emails, letters and all social media platforms. 
● Created and maintained database  with personal, financial  and other data. 
● Prepared statutory deductions payment timely. 
● Prepared monthly reconciliation of bank accounts, Mpesa and balance sheet accounts, took corrective actions on deviations. 
● Assisted Managing Director in running business operations.  
● Ensured all invoices were paid on time. 
● Analyzed financial statements against forecasts to prepare high-level variance analysis. 
● Prepared payment vouchers for all payments received and ensured they were signed off as per approval system. 
● Verified compliance of financial policies and accounting procedures against federal regulations. 
● Prepared Withholding tax and VAT payments 
● Received monthly financial reports from all the department for analysis. 
● Collaborated with team leaders to define standards, policies and procedures to meet company revenue goals. 
● Established and enforced controls on revenue and expenses to protect company assets. 

● Assisted with recruiting, interviewing and hiring new department employees. 
● Supervised administrative staff and in staff operations and distributed duties to all staff. 
● Generated financial and operational reports to assist management with business strategy. 
● Enhanced internal control systems and procedures to mitigate risk and support opportunities. 
● Engaged in complex data analytics, quality assurance and database management to quantify and substantiate observations and lend credence to proposed operational enhancements. 
● Played a key role in registration of the company as a DCP Digital Credit Provider with Central Bank of Kenya as per it's regulations, which yield issuance of a License by CBK. 
● Negotiated settlements and payment terms with customers and delivered customized payment plans. 
● Reported key performance indicators to department heads for management of positive cash flow and to adjust credit risk policies and procedures. 


Credit and Risk Officer   Nov 2021 - Mar 2022 
Jijenge Credit Limited , Nairobi  

● Reviewed credit risk and reward strategy and provided recommendations to optimize risk-return characteristics. 
● Structured complex transactions and negotiated complex credit documentation to mitigate risk 
● Executed risk assessment programs to identify and quantify risks and associated controls. 
● Identified proper exception codes, regulatory leverage designations and risk ratings to manage portfolio risk. 
● Developed and maintained deep understanding of industry and assigned portfolio of clients to assess risk solutions. 
● Participated in strategic projects to support business goals. 
● Interacted with front office and sales colleagues to review credit reports. 
● Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments. 
● Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts. 
● Reviewed and verified income, credit reports and employment histories for each borrower. 
● Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility. 
● Recommended approval or disapproval of commercial, real estate or credit loans. 
● Devised collection recovery strategies to resolve customer issues and delinquent cases. 
● Obtained and interpreted financial statements to assist in credit limit reviews. 
● Adhered to banking standards and government lending guidelines for loan services. 
● Organized and finalized loan applications for underwriter review. 
● Checked appraisals, title information and insurance documents for each property. 
● Optimized credit approval and collection processes, improving operational efficiencies by over 70%. 
● Conducted presentations to upper management and executive teams for loan recommendations. 

Achievements at Jijenge Credit Limited 

• Promoted to a Credit Manager and Assistant Administrator  
• Awarded Employee of the month. 
 
Debt Collection Officer   Jan 2020 - Oct 2021 
Apex Collections Africa Limited , Nairobi  
 ●Awarded Employee of the Month more than 5 times as well as receiving recognitions for being consistent with loan collection over 1 year. 
● Promoted to work with one of company's partners; Tala Mobile and performed exemplarily in all KPIs where over 12 months i managed to hit over 100% Dollar value target, over 90% Quality Assurance and over 70% Kept Rate. 
● Helped keep track of outstanding debts as well as planned course of action to recover owed money from debtors. 
● Built trust with debtors and advise them accordingly in compliance to statutory legal requirements 
● Worked in call center environment handling manual and automatically dialed outbound calls. 
● Monitored accounts for compliance with established payment plans and flagged non compliances. 
● Trained new team members on scripts, company services and collection strategies. 
● Achieved performance goals on consistent basis. 
● Advised customers of alternative actions and strategies for debt repayment. 

Achievements at Apex Collections Africa Company Limited   

• Awarded Employee of the Year 2020  as well as receiving recognitions for more than 5 times. 
●Promoted to work in a project with Tala mobile Kenya 


Intern May 2019 - Nov 2019 
Connectcut Cabs Insurance Agency , Nanyuki 
● Identified issues, analyzed information and provided solutions to problems. 
● Demonstrated respect, friendliness and willingness to help wherever needed. 
● Proved successful working within tight deadlines and fast-paced atmosphere. 
● Participated in continuous improvement by generating suggestions, engaging in  problem solving activities to support teamwork. 
● Actively listened to customers, handled concerns quickly and escalated major issues to supervisor. 
● Improved operations through consistent hard work and dedication. 
● Answered and transferred incoming telephone calls, taking messages for various staff members. 
● Provided clerical support, addressing routine and special requirements. 
● Distributed office supplies and files for staff. 
● Took meeting notes and compiled paperwork to support department. 
● Collected, arranged and input information into database system. 
● Developed effective improvement plans in alignment with goals and specifications 

Student intern  May 2018 - Aug 2018 
National Hospital Insurance Funds (N.H.I.F), Nanyuki 
● Reported back to instructor to receive day-to-day tasks and responsibilities. 
● Provided clerical support, addressing routine and special requirements. 
● Helped with administrative support by managing incoming calls, coordinating files and sorting mail. 
● Prepared meeting rooms and materials and recorded important information. 
● Sorted, organized and maintained files. 
● Interacted with customers by phone, email or in-person to provide information. 
● Communicated effectively with faculty and staff and accepted critiques and suggestions for areas of improvement. 
● Answered and transferred incoming telephone calls, taking messages for various staff members. 
● Researched and reviewed information in support of daily objectives. 
● Maintained office schedule and calendar of workflow and meetings. 
● Distributed office supplies and files for staff. 
● Collaborated with team to optimize workflow and achieve objectives. 
 

Bachelor of Commerce  - Finance   Sep 2015 - Oct 2019 
Kirinyaga University , Kirinyaga  ●Graduated with a Second Class Upper Division. 
●Good understanding of accounting functions and ability to systematically work with  figures. 
●Equipped with the ability to identify a problem and solve it. 
●Experienced in management; strong leadership and organizational skills. Been  complimented by my supervisors for being a bona de studentand team player. 
●Participated in making Kirinyaga University Documentary. 
●Elected to treasure position for Media Club, Kirinyaga University 20172019 
●Member of Kenya Wildlife Club 

Computing  Jan 2015 - May 2015 
Northwood College of Business and Computing , Nanyuki 
●Awarded Distinction. 
●Awarded best in Excel Student of the Month. 

LICENSES & CERTIFICATIONS 
Data analysis   2022 
Arison  

QuickBooks   2021 
Northwood College of Business and Computing  

Sage Intacct   2021 
Northwood College of Business and Computing