Kuira Maina
Collections Manager en Faulu Microfinance Bank
Banca y Finanzas en Kenyatta University
Kenia
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Collections Manager en Faulu Microfinance Bank
A seasoned and results-driven professional with over a decade of a proven track record of success in assessing and mitigating credit risks within the banking sector. Adept at assessing creditworthiness, developing risk models, and optimizing credit processes to enhance overall portfolio performance. Proficient in identifying emerging risks and designing proactive risk mitigation strategies to safeguard the financial health of the organization. Competent at developing and implementing strategies to optimize collection processes, reduce delinquency rates, and enhance overall recovery efforts. Proven ability to lead and motivate teams, driving them to achieve and exceed collection targets. Proven ability to lead cross-functional teams, employ advanced analytics, and drive effective decision-making processes. Seeking to leverage a dynamic skill set to contribute to the success and resilience of a forward-thinking organization.
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Experiencia
Faulu Microfinance Bank
Collections Manager
April 2024 - Presente
Ensuring compliance with the Bank’s policies and regulatory requirements pertaining collection and debt recovery.
Ensuring all loan repayments for all disbursed loans are paid on or before the due dates.
Ensuring review of daily excess reports to detect operationally delinquent accounts and follow-up for prompt regularization.
Manage the entire portfolio (Retail, SME and Community) to ensure subsequent losses are minimized through effective implementation of collections activities.
Preparing daily/weekly arrears reports for all the branches and Ensuring full repayment.
Sidian Bank Limited
Manager, Credit Risk Management
July 2021 - April 2024
Conducts thorough analysis of credit applications, assessing the financial stability, creditworthiness, and repayment capacity of potential borrowers.
Develops and utilizes credit scoring models to evaluate risk.
Collaborates with senior management to establish and update credit risk policies, ensuring alignment with regulatory requirements and industry best practices.
Conducts periodic reviews of existing credit portfolios, recommending adjustments or corrective actions as needed.
Prepares and presents regular reports on credit risk exposure, portfolio performance, and key risk indicators to senior management.
NCBA Bank Kenya PLC
Team Leader, Collections & Recovery
October 2019 - July 2021
Led and supervised a team of collections and recovery professionals to achieve departmental goals and targets.
Developed and implemented effective strategies for debt recovery, ensuring adherence to regulatory guidelines and bank policies.
Monitored and rehabilitated delinquent accounts on both secured and unsecured loan portfolios.
Conducted client site visits and engaged third-party service providers to maximize collections.
Prepared and presented comprehensive reports on collections and recovery activities to senior management.
Commercial Bank of Africa (CBA Group)
Senior Officer, Collections & Recoveries
August 2015 - September 2019
Developed and implemented effective collection and recovery strategies.
Manage a portfolio of delinquent accounts, ensuring timely and effective collections efforts.
Conducted due diligence on contentious debts to facilitate negotiations.
Coordinated with external service providers on the rehabilitation process for assigned accounts.
Continuous improvement of processes to enhance operational efficiency.
Educación
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