Looking for a job

Anita Ngoma

@anitangoma

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I strengthen credit portfolios through risk analysis, monitoring, collections, and regulatory compliance.

Zambia

Message

What I'm looking for

I'm looking for a credit and risk role where I can assess lending risk, monitor portfolio performance, strengthen controls, support compliance, and contribute to sound financial decision-making.

I've supported credit and risk operations at Stargate Finance Limited and Premium Finance Limited, assessing loan applications, monitoring portfolio performance, preparing credit reports, and recommending risk-mitigation strategies.

As a Credit Supervisor, I oversaw credit approvals, guided credit officers, and ensured adherence to internal policies and regulatory requirements. I also bring experience in collections, financial modelling, forecasting, reconciliations, AML risk-based programme support, and sales growth in insurance.

Experience

Work history, roles, and key accomplishments

Credit Supervisor

Stargate Finance Limited

Nov 2024 - Dec 2025 (1 year 1 month)

Oversaw the credit approval process and ensured adherence to company credit policies. Monitored portfolio performance, identified risks, and implemented mitigation strategies while providing guidance and training to credit officers.

Credit Risk Management Credit Analysis Portfolio Monitoring Regulatory Compliance Risk Assessment Report Preparation

Credit & Risk Officer

Stargate Finance Limited

Jun 2023 - Oct 2024 (1 year 4 months)

Analyzed credit applications using financial and risk assessment models, evaluated credit risk, and prepared arrears and loss-provision reports. Managed portfolio monitoring, reconciled credit files, and handled collections by negotiating repayment plans with clients.

Credit Analysis Risk Assessment Portfolio Monitoring Collections Credit Administration Financial Modeling Report Preparation

Credit Risk Analyst

Premium Finance Limited

Jun 2022 - Jun 2023 (1 year)

Conducted credit risk assessments and implemented risk management strategies. Supported the development of a risk-based AML program, prepared analytical reports, and developed forecasting models to assess sales trends and credit risk exposure.

Credit Risk Management Risk Assessment AML Financial Modeling Forecasting Data Analysis Report Preparation

Graduate Trainee

Buttress Insurance Brokers

Dec 2021 - Mar 2022 (3 months)

Applied sales strategies to build client relationships and increase product uptake, contributing to a 60% increase in sales. Developed and managed client acquisition pipelines and supported risk management assessments for health insurance plans.

Sales Customer Relationship Management Risk Management Pipeline Management