Stephen Namale
Rongo University
Kenia
¡Hola, soy Stephen Namale!
Collection and Recovery Officer en Absa Bank Kenya
Results-driven Microfinance and Banking Professional with over 6 years of progressive experience in credit analysis, relationship management, loan portfolio growth and debt recovery within high-performance financial institutions. Proven track record of exceeding sales and collection targets, rehabilitating delinquent accounts and strengthening portfolio quality through strategic risk assessment and proactive client engagement. Skilled in credit risk evaluation, loan appraisal, cash flow analysis, KYC compliance and portfolio monitoring with demonstrated success in negotiating repayment plans and restoring non-performing loans to performing status. High level of integrity, sound credit judgment and the ability to build long-term client relationships while ensuring strict adherence to banking regulations and policies.
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Experiencia
Absa Bank Kenya
Collection and Recovery Officer
May 2025 - February 2026
Liaised closely with branch, credit operations and product teams to design and implement win-back and rehabilitation solutions for charged-off loans.
Negotiated repayment arrangements, secured PTPs from 88% of customers contacted.
Achieved 3.5M against a monthly target of 6.5M, rehabilitated 40% of defaulted loans.
Served as the first point of contact for customer complaints, resolving and closing 95% of issues.
Monitored and actioned 100% of allocated accounts daily, applied sound credit judgment.
Generated actionable insights strengthening collection approaches.
Cemes Microfinance
Relationship Officer
February 2024 - April 2025
Opened and activated personal and business accounts.
Marketed loan products in the field, consistently meeting and exceeding monthly sales targets.
Ensured timely loan repayments through proactive follow-ups.
Performed comprehensive due diligence and credit risk analysis.
Conducted site visits to verify business operations and assess operational risks.
Conducted client education sessions on new products and lending requirements.
ASA International
Relationship Officer
June 2019 - December 2023
Adhered to all relevant policies and procedures.
Retained recruited businesspersons and participated in market storm initiatives.
Monitored competitor activities and market trends.
Oversaw clients’ financial obligations while growing and maintaining relationships.
Disbursed and monitored loan repayment from customers within the required timeline.
Conducted market research to identify potential clients and opportunities.
Educación
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