Sarah Rinah Ragangi

I am a results-driven Operations Analyst with over seven years of hands-on experience in payment operations, financial reconciliation, and risk management. My career has been defined by a strong commitment to operational excellence, where I have successfully optimized processes to drive efficiency, reduce discrepancies, and enhance customer satisfaction. In my current role at NCBA Bank Kenya PLC as a Payment Operations Officer, I lead accurate daily and monthly reconciliations, manage investment-related settlements, and ensure timely submission of profit-share and reconciliation reports. My proactive approach has helped reduce reconciliation discrepancies by 15% and improve loan recovery rates by 20%, while maintaining strong compliance and audit standards.

Previously, I served as an Operations Analyst in Digital Business Development, where I played a key role in launching and supporting digital banking products. I ensured operational readiness, streamlined workflows, and supported customer experience teams in resolving payment-related issues. My efforts contributed to a 25% reduction in transaction complaints and improved reconciliation accuracy by 15%. I also collaborated with finance teams to prepare transparent revenue and invoice reports, while closely monitoring digital transaction risks such as fraud and money laundering. These experiences sharpened my ability to balance analytical rigor with practical implementation and stakeholder engagement.

My foundation in financial services began in roles that emphasized accuracy, compliance, and relationship management. At Commercial Bank of Africa, I achieved a 99% account opening accuracy rate across multiple regions and streamlined regulatory tasks by 20%. As a Loan & Recoveries Officer at Inuka Afrika Microfinance, I improved repayment rates through effective negotiation and risk evaluation. Technically, I am proficient in tools such as SQL, SAP, Oracle, QuickBooks, and Microsoft Office Suite, enabling me to deliver actionable insights and automation. I hold a Bachelor’s degree in Business Management (Banking & Finance), a Diploma in Purchase and Supply Chain Management, and CPA Part I certification. I am passionate about continuing to grow in a dynamic environment where I can contribute to operational strategy, financial integrity, and digital transformation initiatives.