Haron Muciu
Nairobi
Summary
Experienced in Business Risk Management. Determined in identifying and mitigating all risks the business may face ranging from and not limited to credit risk, competition risk, operational risk, Fraud risk and Government policies that may impact the business negatively.
Overview
9
9
years of professional experience
Work History
Credit Process Manager - Kenya and Malawi
Sun King
04.2022 - Current
- Analyzing performance of books, providing objective strategies, managing portfolio, ensuring fraud management, managing team, ensuring data protection, reviewing policies, designing underwriting processes
- Work cross-functionally with sales, management, and other departments to maintain effective operations.
- Improved credit risk management by implementing effective underwriting policies and procedures.
- Evaluated complex customer profiles using financial statements, credit reports, and industry data to make informed lending decisions.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Participated in internal audits to ensure adherence to corporate guidelines and regulatory requirements related to credit management activities.
- Performed semi-annual account credit limit reviews and credit increase review requests from financial service and sales teams.
Credit Process Manager Kenya
Sun King
06.2018 - 03.2022
- Analyzing performance of book, providing objective strategies, performing complex analysis, assessing adherence to collection processes, producing objective assessments, investigating fraud cases, providing support and training
- Reviewed and updated credit policies regularly in response to changing market conditions, industry trends, and emerging risks.
- Devised collection recovery strategies to resolve customer issues and delinquent cases.
- Managed the entire end-to-end credit approval process from application review through contract negotiation and final execution.
- Consistently achieved monthly collection targets by prioritizing accounts based on risk level and potential impact on cash flow.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Developed strong relationships with clients through professional communication and timely resolution of credit issues.
Senior Credit Officer
Sanergy
05.2015 - 05.2018
- Appraising loan applicants, entering profiles for Kiva loans, preparing and presenting credit proposals, ensuring timely collection of loan repayments, issuing receipts and reports, training new clients, customer onboarding, creating invoices, maintaining record system
- Conducted comprehensive credit assessments for complex loan applications, ensuring sound decision-making and adherence to regulations.
- Maintained a deep understanding of market trends affecting credit conditions in various industries relevant to the organization''s lending activities.
- Optimized resource allocation by conducting regular performance reviews of the credit team and providing ongoing coaching and training.
- Achieved operational efficiency targets by optimizing staffing levels based on workload analysis and capacity planning data insights.
- Continuously improved credit policies by regularly reviewing methodologies and making data-driven recommendations for enhancements.
- Negotiated favorable terms for the organization during complex loan restructuring deals involving multiple stakeholders.
- Drove process improvements in credit operations through streamlining workflows, automating tasks, and leveraging technology solutions.
Education
Bachelor of Science in Information sciences -
Moi University
01.2019
Skills
- Risk Management
- Credit management
- Fraud Management
- Problem solving
- Leadership
Languages
Kiswahili
English
References
- Mr. Francis Bitanyi, Portfolio Manager, Sunking, +255743546761, francis.bitanyi@sunking.com
- Mrs. George Osir, Credit Manager, Sanergy, +254720304579, George.osir@saner.gy
Personal Information
Title: Credit Process Manager
Timeline
Credit Process Manager - Kenya and Malawi
Sun King
04.2022 - Current
Credit Process Manager Kenya
Sun King
06.2018 - 03.2022
Senior Credit Officer
Sanergy
05.2015 - 05.2018
Bachelor of Science in Information sciences -
Moi University
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