EVELYN WARUI
@evelynwarui
Experienced credit officer driving portfolio growth and delinquency reduction.
What I'm looking for
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
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.
Bookkeeper
Enoma Technologies Limited
Aug 2015 - Apr 2017 (1 year 8 months)
Maintained accounts payable/receivable, performed bank reconciliations and monthly managerial reporting; introduced cash control and monthly reconciliation processes improving AR/AP visibility by ~90%.
Bookkeeping Consultant
UPO Ltd
Aug 2014 - Jun 2015 (10 months)
Provided bookkeeping and QuickBooks training, delivered monthly management reports and reconciliations, and implemented accounting and HR procedures to reduce errors and standardize processes.
Accounts Administrator
UPO Ltd
Feb 2014 - Jun 2015 (1 year 4 months)
Managed payroll, reconciliations, petty cash and bank controls, and cleared a company loan of KSh 860,000 while implementing a cash control system that improved budgeting and reduced AR/AP.
Admin Assistant
UPO Ltd
Feb 2014 - Jul 2014 (5 months)
Maintained office systems, procurement and asset records, managed meeting coordination and confidential personnel matters, and implemented leave and filing systems to improve office efficiency.
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.
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
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.
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.
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
Availability
Location
Authorized to work in
Job categories
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