Milka Njiraini
Takoma Park,MD
Summary
Detail-oriented Credit Manager skilled at analyzing lending activities according to current regulations, standards and market conditions. Offering 15 years of financial industry expertise with strong analytical skills.
Hardworking Credit Manager enthusiastic about improving department policies, standardizing processes and increasing customer satisfaction by providing fast, knowledgeable and friendly financial services.
Overview
22
22
years of professional experience
1
1
Certificate
Work History
Seconded as Senior Credit Manager
Standard Chartered Bank (Tanzania) Ltd
2002.01
- Team Leadership; Training and Onboarding; Credit Management
Chief Operating and Finance Officer
Kipagi Ltd
2018.01 - 2023.09
- Operations; Financial Management; Team Supervision; Project Management.
- Monitored industry trends and competitor performance, informing proactive adjustments in organizational strategies.
Senior Credit Manager
Stanbic Bank Kenya
2016.01 - 2018.11
- Training and Capacity Building; Team Onboarding; Standard Operating Procedures; Product and Credit Papers.
- Partnered with sales teams to identify potential growth opportunities within target markets, driving increased revenue and market share.
- Fostered a culture of continuous improvement by encouraging open dialogue among team members and implementing their valuable feedback.
- Collaborated with cross-functional teams to optimize the loan underwriting process, increasing efficiency and reducing turnaround time.
- Developed comprehensive credit policies to ensure compliance with regulatory requirements and industry best practices.
- Streamlined workflow processes by integrating advanced technology tools into daily operations, improving overall team productivity.
- Managed a diverse loan portfolio, resulting in reduced delinquency rates and improved overall credit quality.
- Implemented innovative strategies for monitoring and mitigating potential risks within the loan portfolio, maintaining organizational financial stability.
- Provided expert advice on complex credit transactions for senior management, facilitating informed decision making.
Credit Coach and Subject Matter Expert
Stanbic Bank Kenya
2014.11 - 2016.01
- Training and Capacity Building; Team Onboarding; Standard Operating Procedures; Product and Credit Papers.
- Developed effective training materials for diverse audiences, resulting in improved skillsets and increased job satisfaction.
- Influenced decision-making processes by presenting data-driven insights into key organizational issues.
- Established best practices for knowledge sharing, fostering a culture of continuous learning and improvement.
- Mentored junior team members, contributing to their professional growth and development.
Chief Projects Manager and Head of Finance
Kipagi Ltd
2006.01 - 2014.01
- Policy Development; Gender Inclusion; Proposal Writing; Training; Credit Management; Product Management.
Credit Officer - East Africa
Standard Chartered Bank (Kenya) Ltd
2003.01 - 2006.09
- Policy Development; Gender Inclusion; Proposal Writing; Training; Credit Management; Product Management.
- Reduced delinquency rates by implementing effective portfolio management strategies.
- Improved cross-functional collaboration, working closely with sales and operations teams to meet business objectives.
- Evaluated creditworthiness of potential borrowers using thorough research and analysis techniques, minimizing default risks.
- Supported business growth initiatives by assisting in the identification of new market opportunities for expansion within the credit sector.
- Implemented robust monitoring systems to track performance metrics of existing loans, identifying areas requiring attention or intervention.
- Trained new team members on company-specific processes, ensuring consistent standards across the credit department.
- Conducted regular account reviews to proactively identify potential risks in the credit portfolio, taking corrective actions as needed.
Senior Manager Credit
Standard Chartered Bank (Kenya) Ltd
2002.03 - 2003.01
- Policy Development; Gender Inclusion; Proposal Writing; Training; Credit Management; Product Management.
- Mentored junior staff members for skill development and career progression within the organization.
- Achieved operational excellence by streamlining processes and implementing best practices.
- Promoted a culture of continuous learning through regular workshops, seminars, and training sessions for staff.
- Consistently met or exceeded annual performance targets set by senior leadership.
- Improved team performance by providing comprehensive training and fostering a collaborative work environment.
- Examined quarterly financials to determine business operating capacity.
- Recruited, interviewed and hired employees and implemented mentoring program to promote positive feedback and engagement.
Senior Credit Manager Trainee c/o Regional
Standard Chartered Bank (London) Ltd
2001.08 - 2002.03
- Team Leadership; Training and Onboarding; Credit Management
- Developed comprehensive credit policies to ensure compliance with regulatory requirements and industry best practices.
- Fostered a culture of continuous improvement by encouraging open dialogue among team members and implementing their valuable feedback.
Education
MBA in Banking and Finance -
Manchester Business School
Manchester, United Kingdom07.2001
Certified Public Accountant (K) -
Institute of Certified Public Accountants
01.1997
BEng in Electrical and Electronics Engineering -
University of Manchester Institute of Science and Technology
01.1995
Skills
- Governance and Operations
- Team Leadership and Management
- Strategy Development
- Stakeholder Engagement
- Policy Development
- Financial Management
- Training and Capacity Building
- Project Management
- Performance Management
Certification
Certified Director, Institute of Directors, UK
Accredited coach, Academy of Executive Coaching (AoEC)
Timeline
Chief Operating and Finance Officer
Kipagi Ltd
2018.01 - 2023.09
Senior Credit Manager
Stanbic Bank Kenya
2016.01 - 2018.11
Credit Coach and Subject Matter Expert
Stanbic Bank Kenya
2014.11 - 2016.01
Chief Projects Manager and Head of Finance
Kipagi Ltd
2006.01 - 2014.01
Credit Officer - East Africa
Standard Chartered Bank (Kenya) Ltd
2003.01 - 2006.09
Senior Manager Credit
Standard Chartered Bank (Kenya) Ltd
2002.03 - 2003.01
Seconded as Senior Credit Manager
Standard Chartered Bank (Tanzania) Ltd
2002.01
Senior Credit Manager Trainee c/o Regional
Standard Chartered Bank (London) Ltd
2001.08 - 2002.03
MBA in Banking and Finance -
Manchester Business School
Certified Public Accountant (K) -
Institute of Certified Public Accountants
BEng in Electrical and Electronics Engineering -
University of Manchester Institute of Science and Technology
Certified Director, Institute of Directors, UK
Accredited coach, Academy of Executive Coaching (AoEC)
Professional Licenses Certifications
- Certified Director, Institute of Directors (UK), 2021
- Certified Director, Institute of Directors (SA), 2021
- Accredited Coach, Coach Accelerator, 2020
- Delegate, World Business & Executive Coach Summit (WBECS), 2020
- Accredited Coach, AoEC Executive Diploma in Coaching, 2017
Boards Non Executive Trustee And Advisory Roles
- Deputy Chair of PTA Executive Committee, Roedean School, Johannesburg, SA, 2021, 2022, Governance and Operations; Financial Systems Management; Partnerships; Policy and Procedure Development., Automated a point-of-sale system to improve accounting., Authored multiple policies on operation and governance.
- Executive Board Member, Kipagi Limited, 2018, Sept 2023, Operations
Professional Licenses Certifications
- Certified Director, Institute of Directors (UK), 2021
- Certified Director, Institute of Directors (SA), 2021
- Accredited Coach, Coach Accelerator, 2020
- Delegate, World Business & Executive Coach Summit (WBECS), 2020
- Accredited Coach, AoEC Executive Diploma in Coaching, 2017
Boards Non Executive Trustee And Advisory Roles
- Deputy Chair of PTA Executive Committee, Roedean School, Johannesburg, SA, 2021, 2022, Governance and Operations; Financial Systems Management; Partnerships; Policy and Procedure Development., Automated a point-of-sale system to improve accounting., Authored multiple policies on operation and governance.
- Executive Board Member, Kipagi Limited, 2018, Sept 2023, Operations
Similar Profiles
IRENE LYIMOIRENE LYIMO
Country Client Experience Analyst at Standard Chartered Bank (Tanzania) LimitedCountry Client Experience Analyst at Standard Chartered Bank (Tanzania) Limited
Paul Emmanuel AnatolyPaul Emmanuel Anatoly
Head Credit Operations at NMB Bank PlcHead Credit Operations at NMB Bank Plc
Paul AnatolyPaul Anatoly
Head Credit Operations at NMB Bank PlcHead Credit Operations at NMB Bank Plc