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EVELYN WARUI

@evelynwarui

Experienced credit officer driving portfolio growth and delinquency reduction.

Kenya
Message

What I'm looking for

I seek a role where I can apply credit management and recovery skills, drive portfolio growth, work collaboratively, and advance into greater leadership responsibility.

I am an experienced credit officer with a strong background in credit management, loan appraisal, debt collection, and financial reporting. I have consistently met disbursement and collection targets while improving portfolio quality and driving significant growth.

In my current role I led portfolio growth by KSh 30 million, reduced PAR from 99% to 15%, and contributed to the 2023 credit policy review; I also lead the micro-credit efforts in a newly launched diaspora market. I combine hands-on client vetting, arrears management, and collaboration with external debt collectors to protect asset quality.

I bring practical bookkeeping and reconciliation experience from prior roles, where I implemented cash-control systems, maintained monthly bank reconciliations, trained staff on QuickBooks, and delivered timely managerial reports—skills I apply to strengthen controls and support business growth.

Experience

Work history, roles, and key accomplishments

BS
Current

Micro Credit Officer

Baraka Yetu Sacco

Jul 2018 - Present (7 years 3 months)

Manage credit operations including loan appraisal, collections, and customer onboarding; grew portfolio by KSh 30,000,000 and reduced PAR from 99% to 15% while leading diaspora market and contributing to credit policy revision.

TL

Intern

Toastmasters Investment Co-operative Society Ltd

Jun 2013 - Jan 2014 (7 months)

Maintained and corrected financial records, coordinated member meetings, and led revival and mobilization efforts that raised KSh 2,475,000 for CIC share participation.

NL

Intern

Nacico Co-operative Savings and Credit Sacco Ltd

Aug 2009 - Aug 2009 (0 months)

Performed account preparation, filing and memo posting to support member account maintenance and office operations.

Education

Degrees, certifications, and relevant coursework

CK

Co-operative University College of Kenya

Bachelor of Co-operative Business, Co-operative Business / Management

Completed studies in cooperative business and management, including a Bachelor of Co-operative Business, diploma and certificates in cooperative administration and business administration.

ES

East Africa Institute of Certified Studies

International Computer Driving License, Computer Literacy / Information Technology

Completed the International Computer Driving License program to gain certified computer literacy and practical IT skills.

CI

Cornerstone Training Institute

Certificate in Computerized Accounting, Accounting / Bookkeeping

Completed a certificate program in computerized accounting to develop practical accounting software and bookkeeping skills.

Tech stack

Software and tools used professionally

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EVELYN WARUI - Micro Credit Officer - Baraka Yetu Sacco | Himalayas