Timothy Oduor

❖Debt Collector, Charismata Sacco Society Limited
February 2023 – July 2023 
 Communicated professionally with debtors to address outstanding balances and negotiate 
suitable payment arrangements.
 Successfully analysed debtors' financial situations and negotiated payment plans, contributing to 
increased debt recovery rates. 
 Ensured compliance with industry regulations, including the Fair Debt Collection Practices Act 
(FDCPA), maintaining ethical standards in all interactions.
 Maintained accurate and comprehensive records of debtor communications and agreements for 
legal and reporting purposes. 
 Addressed debtor inquiries regarding outstanding debts, payment options, and account details, 
fostering transparency and trust. 
 Effectively resolved debtor concerns and disputes, maintaining positive relationships and 
minimizing conflicts. 
 Escalated cases requiring additional attention to relevant departments or management for swift 
resolution.
 Maintained a professional and empathetic demeanour during interactions, even in challenging 
circumstances.
 Generated detailed reports on account statuses, debt recovery progress, and challenges faced, 
providing valuable insights to management. 
 Committed to continuous learning, staying updated on changing debt collection regulations and 
industry best practices. 
Professional achievement:
1. Successfully reduced non-performing loans by 37% through effective debt collection 
strategies.
2. Facilitated the full payment of 8% of defaulted loans, contributing to the overall financial 
health of the organization.
3. Implemented a seamless transition from a manual loan management system to an 
automated system, significantly enhancing operational efficiency and data accuracy.
❖ Research Assistant, Agriterra Kenya
October 2022 – January 2023 
Conducted a landscaping assignment in Siaya County aimed to reach out to farmers through 
Cooperative societies, Community Based Organizations (CBOs) and Self-Help Groups (SHGs) as key 
agents of change. The main objective of the project was to undertake a shift of agricultural 
production towards low-carbon, climate resilient and financially sustainable pathways hence 
ensuring continued supply of crops and livestock despite anticipated climate change. Below are my 
achievements:
 Scheduled appointments with test subjects over phone and through email. 
 Performed in-depth interviews with research subjects and compiled data and analyses into 
reports for review by group leader. 
 Reviewed and verified qualitative data before entering into database to enhance research 
quality and accuracy. 
 Digitized and organized qualitative data using SurveyCTO to streamline research procedures.
Created 40 research summaries on co-operative societies and presented them to supervisors to 
advocate further research and funding.
❖ Audit Accountant, Upperhill Springs Restaurant Limited
January 2022 – September 2022 
 Reviewed figures, postings and documents for correct entry, completeness and accuracy. 
 Organized data into multiple spread sheets to streamline data.
 Processed payments and documents such as invoices, journal vouchers, employee 
reimbursements and statements. 
 Used the FUMAS Hotel accounting software to prepare weekly and monthly financial reports. 
 Investigated daily variances and corrected errors to resolve discrepancies. • Maintained clean 
and organized files by keeping accounts payable records up-to-date. 
 Communicated and resolved disputes with clients regarding outstanding invoices, payments and 
adjustments.
 Received daily reports and supporting documentation for routine audits and promptly reported 
any discrepancies for further review. 
 Reconciled accounts, spread sheets and documents on daily basis using FUMAS Hotel software.
 Researched cash variances, investigated root causes and corrected problems with detailoriented approach. 
 Ensured all purchasing, receiving and issuing procedures have been followed accordingly. 
❖ Internship Student, Charismata Sacco Society Limited
Nov 2020 – Feb 2021 
 Initiated effective communication with debtors, discussing outstanding balances and available 
payment options. 
 Analysed debtor data to identify trends and assess debt recovery strategies. 
 Negotiated payment arrangements based on debtors' financial situations, fostering positive 
relationships. 
 Maintained accurate documentation of interactions and agreements, ensuring compliance with 
regulations. 
 Member Services: Assisted in delivering exceptional customer service to SACCO members, 
responding to inquiries, resolving issues, and providing guidance on various financial products 
and services. 
 Loan Processing: Played a key role in the loan application process by collecting and verifying 
documentation, conducting credit assessments, and ensuring compliance with lending policies 
and procedures. 
 Financial Analysis: Supported the finance team in analysing financial data, preparing reports, and 
conducting feasibility studies to assess the viability of potential investments and loan portfolios. 
 Data Management: Assisted in the efficient management of member data and records, ensuring 
accuracy, confidentiality, and adherence to data protection regulations.
My dedicated efforts played a crucial role in fostering the growth and stability of the SACCO, leading 
to a remarkable reduction in non-performing loans by 11%.
 

Bachelor of Co-operative Business (Finance Major), The Co-operative University of Kenya
Sep 2017 – Feb 2022 
Academic Standing – Second Class Upper Division
Relevant Modules: Financial Accounting, Consumer Behaviour, Financial Analysis, Business Law, Negotiation Skills, Ethics in Finance, Micro and Macroeconomics, Data Analysis, Credit Management, Behavioural Finance, Risk Management 
 

Association of Chartered Certified Accountant (ACCA), Strathmore University
March 2017 – up to date 
Relevant Modules: Business and Technology, Management Accounting, Financial Accounting and Company Law 
 

KCSE, Uhuru Secondary School 
January 2015 – November 2016 
Grade B-