Geoffrey Mwangi Wainaina

Geoffrey M. Wainaina Phone: - Email:-LinkedIn: www.linkedin.com/in/geoffrey-mwangi/ Location: Nairobi, Kenya ______________________________________________________________________________________________ Professional Summary A strategic leader with 13 years of diverse experience in credit management, operations, and entrepreneurship, excelling in business development, risk management, and process optimization. Proven expertise in scaling organizations, driving profitability, and implementing innovative systems to enhance operational efficiency. A results-oriented strategist with a passion for growth, innovation, and empowering teams to achieve exceptional outcomes. ______________________________________________________________________________________________ Core Competencies  Strategic Operations Management  Financial and Credit Risk Optimization  Entrepreneurship and Business Growth  Process Automation and Workflow Optimization  Leadership Development and Team Empowerment  Project Management and Systems Implementation ______________________________________________________________________________________________ Professional Experience Founder & Consultant Credit Excellence Consultants (CreditExCo) - Nairobi, Kenya Jan 2024 – Present  Increasing client profitability by designing tailored credit risk models.  Enhancing borrower sustainability and recovery rates through financial literacy programs.  Automating client collections processes, cutting manual tasks and inefficiencies.  Delivering a significant reduction in non-performing loans by revising credit policies and culture. Head of Department, Collections & Recoveries Mwananchi Credit Limited - Nairobi, Kenya Sept 2023 – Mar 2024  Exceeded targets, recovering Ksh 428M (+7% achievement) in defaulted loans within my first quarter.  Implemented a dynamic CRM and collections system, streamlining collections and reducing manual effort by 40%.  Safeguarded Ksh 200M in loan value by recovering 52 non-performing assets in one quarter.  Boosted team productivity by 25% with KPI-driven workflows and training 50+ staff. Manager, Credit Collections Faulu Microfinance Bank - Nairobi, Kenya Feb 2021 – Aug 2023  Managed a Ksh 14B portfolio, reducing Portfolio at Risk (PAR) from 24% to 17% in 18 months by renegotiating delayed payments and automating processes.  Negotiated payments of Ksh 400M in delayed government loans, enabling civil servant borrowing resumption.  Secured a consistent monthly reduction of a Ksh 1B bad loan portfolio via tailored client solutions.  Initiated centralized collections through an advanced collections system, improving staff productivity by 30%.  Led financial literacy programs, empowering borrowers and strengthening client retention. Credit Risk & Recovery Officer Unaitas Sacco Society - Nairobi, Kenya Dec 2013 – Jan 2021  Decreased PAR from 35% to 13% in one year by establishing a recovery department, including new staffing and policy creation.  Lowered delinquency rates by 15% through predictive risk modeling and third-party integrations.  Spearheaded compliance initiatives across multi-branch operations, streamlining workflows and reducing risks. Management Consultant Xpest East Africa - Nairobi, Kenya July 2015 – Present  Transformed operational efficiency, reducing costs by 20% with technology-driven service delivery solutions.  Designed sustainable financial models for eco-friendly pest control services, boosting profitability by 30%.  Developed tailored client service packages, increasing retention rates by 25%.  Delivered strategic insights that scaled and positioned the company as a market leader in the pest control industry. Relationship Officer Faulu Microfinance Bank - Nakuru, Kenya Aug 2012 – Dec 2013  Achieved consistent 20% month-on-month loan portfolio growth while maintaining PAR below 10%.  Facilitated grassroots economic development by training small business owners in financial literacy. Finance Partner Faulu Microfinance Bank, Nakuru Sept 2011 – Jul 2012  Championed financial inclusion for SMEs, supported business development, and managed loan portfolios. Audit and Accounts Assistant Sigona Golf Club, Nairobi Jan 2010 – Aug 2011  Improved member registration processes, ensuring compliance and reducing audit issues to below 5%. ______________________________________________________________________________________________ Project Experience Temenos Advanced Collections (TAC) Module Implementation Role: Subject Matter Expert Duration: Apr 2022 – Oct 2022  Automated collections processes, reducing NPL growth and manual recovery tasks by 30%.  Trained cross-functional teams, achieving seamless adoption of the new platform.  Enhanced analytics and reporting capabilities, improving decision-making timelines. Skills: Collections Automation, Risk Mitigation, Training, Data Analytics Business Impact: Increased collections efficiency, enabled digital documentation, and enhanced credit staff performance tracking. Temenos T24 R16 Implementation Role: Credit Subject Matter Expert Duration: Feb 2020 – Jan 2021  Designed credit modules that reduced loan processing time by 40%.  Improved borrower experience through automated credit evaluation systems.  Trained 100+ staff across departments, ensuring proficiency in system functionalities. Skills: Loan Origination Automation, System Integration, Training, Compliance Business Impact: Streamlined loan approvals and biometrics integration, enhancing data accuracy and business intelligence capabilities. Enterprise Risk Management System Implementation Role: Credit Risk Expert Duration: Aug 2014 - Dec 2015  Digitized risk management processes, enhancing compliance and reducing fraud risks.  Introduced anonymous reporting mechanisms, fostering a proactive risk culture.  Trained risk champions, improving risk identification and mitigation strategies. Skills: Risk Management, Process Digitization, Training, Strategic Compliance Business Impact: Reduced fraud-related risks and improved the credit department’s audit ratings. ______________________________________________________________________________________________ Education  Bachelor of Business Administration | Kenya Methodist University, Nairobi | 2011  Diploma in Business Administration | Kenya Methodist University, Nakuru | 2009  Diploma in Information Technology | Egerton University, Nakuru | 2008 Certifications  Certified Credit Professional (CCP) | KASNEB | 2024 -  Enterprise Risk Management | Kenya School of Monetary Studies | 2016 ______________________________________________________________________________________________ Skills & Competencies Hard Skills  Operations Management: Expertise in optimizing workflows and enhancing productivity for operational efficiency.  Credit & Risk Management: Skilled in credit analysis, debt recovery, and reducing NPLs to boost financial performance.  Financial Analysis: Proficient in budgeting, forecasting, credit scoring, and compliance reporting.  Process Automation: Experienced with Temenos T24, Advanced Collections, Microsoft Dynamics CRM, and Smart Collect for automating credit and collections.  Policy Development: Proven ability to design and align credit policies with regulatory frameworks.  Project Management: Adept at leading system implementations, UAT testing, and crossfunctional team coordination.  Customer Relationship Management: Skilled in onboarding, needs assessment, and retention strategies. Soft Skills  Leadership & Development: Expert in mentoring high-performing teams to achieve organizational goals.  Strategic Problem-Solving: Adept at crafting actionable solutions and delivering measurable results.  Communication & Collaboration: Effective at simplifying complex ideas and fostering cross-departmental partnerships.  Negotiation: Strong track record in dispute resolution and building client-focused solutions.  Adaptability & Organization: Skilled in managing dynamic priorities and maintaining operational continuity. ______________________________________________________________________________________________ References   Dr. Gitonga Muriithi  Edna Mwangi General Manager Head of Credit Mwananchi Credit Limited Kenya Bankers Sacco Society Ltd Phone: - Phone: - Jonnes Nzivo  Simon Mbugua Collections Manager Recoveries Manager SBM Bank Family Bank Phone: - Phone: -