About

I am highly Experienced Credit Management Professional with over 17 years of experience in corporate and individual lending, managing credit risk, debt portfolio management, optimizing cash flow, and enhancing profitability. Proven track record of developing and implementing effective credit policies and procedures to mitigate risk exposure and maximize revenue generation.

Skills

  • Portfolio Management
    10
  • HR and marketing
    10

Experience

JOSHUA NDISIO

Work experience
  •  Lead a team of 4 credit officers, 8 sales officers.
  •  Developed and ensured implementation of monthly targets for the team.
  •  Drafted and continually Trained Field Staff and clients (sme and groups).
  •  Ensured Quality Portfolio achievement.
  •  Ensured Steady growth of Clients.
  •  Developed, executed and monitored credit policies, systems, and solutions.
  •  Developed and deployed an appropriate product marketing mix in collaboration with the marketing and sales teams.
  •  Developed and implemented a credit collection and asset repossession strategy, in consultation with Senior Management.
  •  Developed and maintained relationships with potential funders and structure, negotiate and manage loan facilities.
  •  Oversaw overall risk management for the company

JOSHUA NDISIO

Work experience
  • January, 2020 - November, 2021
  • Fulltime
  •  Developed and drove SME Business both in Assets and liabilities.
  •  SME continuous recruitment and training
  •  Staff training and mentoring.
  •  Credit control and collection.
  •  Micro Banking strategy formulation, implementation, evaluation and control
  •  Set up of SME banking structure to support the branch operations.
  •  Implementation of SME banking operations across the bank network.
  •  Developed, grew and monitored SME banking portfolio.
  •  Organized a performance management framework for SME Banking staff.
  •  Set and implemented SLA with other departments and staffs.

JOSHUA NDISIO

Work experience
  • DEPUTY BRANCH MANAGER, HEAD OF CREDIT at   Letshego
  •  Implemented business development strategy to grow liabilities and assets at branch level.
  •  Formulated and implemented branch business plans, forecasts and budgets and ensure control and reviews.
  •  Supported marketing initiatives and give feedback on products performance in the branch markets.
  •  Cross-sold and upsold new business partnerships to increase income streams to the branch and the bank in general.
  •  Ensured compliance with both internal and external regulatory requirements.
  •  Developed the branch business strategy in line with the corporate strategy.
  •  Oversaw customer service delivery to maximize acquisition and retention.
  •  Monitored and managed operation and business risks to maximize profitability and reduce exposures.
  •  Identified knowledge gaps and recommended training and mentoring initiatives.
  •  Organized trainings to the entrepreneurs and SME clients

JOSHUA NDISIO

Work experience
  • ❖ Processed all approved credit facilities in all sectors within the business.
  • ❖ Ensured accuracy in data capture in the system to ensure that the reports being generated are of quality.
  • ❖ Generated all system entries in regard to capturing of Overdraft facilities and System review of MOUs to ensure they are properly configured as per the approved documentations.
  • ❖ Reviewed loan limits and other product fact sheet provisions to ensure proper set.
  • ❖ Monitored and ensured that there are un-authorized transactions within the system.
  • ❖ Analyzed and review loans related issues and seeks waiver and adjustment.
  • ❖ Processes all loan repayment general ledgers as per the provided files.
  • ❖ Monitored and reviewed problematic loan contracts and recommend a solution.
  • ❖ Carried out detailed checks on physical approved loan applications before disbursements.
  • ❖ System check of Cash collateral loans to ensure the collateral exists before the loans is disbursed,
  • ❖ Continuous review of system modules related to loans to ensure proper
  • Functionalities.

Related persons

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Fredrick Opap
LIZ AWINO
Bonney BennerdCREDIT CONTROLLER at SCIENCESCOPE LIMITED