Emma Ibuutu

Developed a detailed strategy to grow and maintain a customer portfolio, ensuring the delivery of business targets in accordance with the Health Department's annual performance plan. Represented the bank in networking, business forums, and partnerships with professional healthcare associations to secure new accounts.

Conducted targeted training across 48 branches, significantly increasing the health sector portfolio. Reduced loan portfolio-at-risk (PAR) through rigorous loan recovery follow-ups with key insurance providers.

Enhanced the quality of the loan portfolio by closely monitoring a KES 2B+ SME loan portfolio. Partnered with the Debt Collection Team to reduce portfolio-at-risk from 15% to 4% and trim the debt default rate by 43% over five years.

Led 14 branch staff in growing the loan book from KES 1.3B to over KES 2.5B and taming operational chaos to stamp out fraudulent cases. Lowered default rates by 53% and elevated operational efficiency by more than 80% through enforcement of credit risk management policies.

Produced a yearly loan book of KES 36M against a target of KES 45M, and acquired 106 new client accounts against a target of 120 through loan proposals and effective relationship management. Generated KES 16M over tenure via client referral networks in collaboration with two branch staff.

Completed a certificate program focused on insurance principles and practices. Gained foundational knowledge essential for working in the insurance sector.

Obtained a diploma in Project Management, focusing on methodologies and tools for effective project execution. Developed skills in planning, organizing, and managing resources to achieve project goals.

Completed a Bachelor of Science degree in Food, Nutrition and Dietetics. Gained comprehensive knowledge in food science, human nutrition, and dietetics principles.