Sarah Rinah Ragangi

SARAH RINAH RAGANGI Phone: - | Email:-| Address: Nairobi, Kenya LinkedIn: https://www.linkedin.com/in/sarah-ragangi-7a982b175/ PROFESSIONAL SUMMARY Driven Operations Analyst with 7+ years of experience specializing in payment operations, financial reconciliations and risk management. Proven ability to optimize processes and enhance operational efficiency, achieving a 15% reduction in discrepancies and a 20% improvement in loan recovery rates. Successfully managed complex financial reporting tasks and streamlined reconciliation processes, ensuring 100% compliance with industry regulations and enhancing reporting accuracy. Experienced with tools like SQL, QuickBooks and financial reporting systems and consistently delivered data-driven insights supporting strategic decision-making. Excited to leverage this expertise in a senior operations or financial management role, where efficiency, accuracy and strategic insights drive business success. SKILLS Operational Efficiency, Financial Analysis, Data Analytics, Risk Management, Financial Reconciliation, Compliance Audits, Stakeholder Engagement, Loan Management, Debt Recovery, Process Optimization, Customer Service, Report Generation, Decision Making, Team Collaboration, Risk Mitigation, Digitalization Solutions, Time Management, SQL, QuickBooks, Banking Operations, Performance Analysis, Financial Reporting, Performance Attribution. EXPERIENCES Payment Operations Officer NCBA Bank Kenya PLC | Nairobi, Kenya | January 2023 – Present Roles And Responsibilities: ● ● ● ● ● ● ● Lead daily and monthly reconciliations, ensuring 100% accuracy and resolving discrepancies within 24 hours, safeguarding financial transaction integrity and aligning with financial reporting requirements. Oversee settlement of investment-related transactions and asset classes, reducing errors by 15% and ensuring alignment with reconciliation insights to support financial stability and reporting precision. Prepare and submit detailed reconciliation reports, including profit and revenue share calculations, to Finance and custodians, consistently meeting SLAs and maintaining high levels of reporting accuracy. Manage suspense account settlements, ensuring full compliance with audit and regulatory standards, resulting in zero audit discrepancies over the last quarter. Conduct corporate action tracking and pricing for financial instruments, improving asset and liability matching and mitigating operational risks through enhanced tracking mechanisms. Spearhead the preparation of detailed client-facing reports, including AUM, performance and cash statements, achieving 98% on-time delivery and maintaining high data integrity. Collaborate on process optimisation and product development initiatives, resulting in a 20% improvement in operational efficiency through streamlined workflows and reduced manual interventions. Operations Analyst (Digital Business Development) NCBA Bank Kenya PLC | Nairobi, Kenya | January 2017 – December 2022 Roles And Responsibilities: ● ● ● ● Contributed to the successful development and launch of a new product, ensuring alignment with customer requirements and operational standards for a smooth market introduction. Advocated for the customer-first principle, enhancing customer service operations and reducing transaction-related complaints by 25% through effective collaboration with support and tech teams. Developed and recommended long-term digitalisation solutions, improving customer service efficiency and supporting the bank's digital transformation strategy. Reconciled transactions, matching cash balances with customer accounts and reducing reconciliation discrepancies by 15% through improved processes and attention to detail. ● ● Collaborated with the finance department to prepare accurate and timely profit, revenue, invoice and reconciliation reports, ensuring financial transparency and compliance. Managed suspense account settlements, ensuring correct payment allocations and zero audit discrepancies, while actively monitoring risks to prevent potential fraud or money laundering. Operations Assistant (Document Process Unit - Central Operations) Commercial Bank of Africa Limited | Nairobi, Kenya | May 2015 – March 2017 Roles And Responsibilities: ● ● ● ● ● Ensured accurate data capture for customers across CBA Group’s Kenya, Uganda and Tanzania branches, achieving 99% accuracy in account opening and mapping, contributing to seamless customer service and operational efficiency. Managed timely lifting of search restrictions after receiving feedback from relevant authorities (e.g., Kenya Revenue Authority), reducing processing time by 20% and ensuring compliance with legal and regulatory guidelines. Oversaw the processing of standing order instructions, maintaining adherence to established timelines and ensuring no delays in customer transactions. Delivered on-demand document retrieval services, ensuring efficient access to required records, supporting operational agility and fast-paced business needs. Coordinated with internal stakeholders (e.g., Metrofile, legal and security teams) to ensure the smooth processing of customer requests, improving interdepartmental collaboration and reducing processing bottlenecks. Loan & Recoveries Officer INUKA AFRIKA MICROFINANCE | Nairobi, Kenya | August 2013 – February 2014 Roles And Responsibilities: ● ● ● ● ● Assessed loan applications and verified customer documents, ensuring 95% accuracy in credit evaluations and loan approvals, while maintaining compliance with microfinance policies and regulatory standards. Monitored loan repayments, identifying early warning signs of potential defaults and reducing late payment incidents by 18% through proactive follow-ups and early interventions. Engaged clients with overdue payments, negotiating structured repayment plans and successfully reduced loan defaults by 15% by providing tailored recovery strategies. Implemented effective recovery strategies, escalating delinquent cases when necessary, resulting in a 20% increase in loan recovery rates and minimizing financial risk. Analyzed non-performing loans (NPLs) and collaborated with sales and credit teams to recommend risk mitigation measures, leading to a 25% reduction in NPLs and improved customer satisfaction by 12%. OTHER EXPERIENCES ❖ Card Officer - CBA Bank, Nairobi, Kenya ❖ Researcher - Radio Africa, Nairobi, Kenya EDUCATION ❖ Bachelor of Business Management (Banking & Finance) - Mt Kenya University | Sept 2021 – Dec 2024 ❖ Diploma in Purchase and Supply Chain Management - Kenya Institute of Management | Jan 2015 – Jul 2017 CERTIFICATIONS ❖ Certified Public Accountants (CPA) PART 1 ❖ Certificate in Data Science & Data Analytics TOOLS MS Office, SQL, QuickBooks, Asana, Loan Management Systems, SAP, Oracle, Data Analytics Software, Process Automation Tools, CRM Software, Tableau, Trello. LANGUAGES ❖ English - Proficient ❖ Swahili - Native REFEREES Available Upon Request.