Grace Kimemia
@gracekimemia
I build resilient microfinance portfolios through credit risk management, debt recovery, and client relationship growth.
KenyaWhat I'm looking for
At Kifedha Limited, I lead credit operations, improve portfolio quality, and reduced non-performing loans by 22% through structured recovery and collection management. I also grew client acquisition by 35% through targeted brand activation and community engagement.
Across Kenya Women Micro Finance Bank, I managed a KES 150M+ loan and deposit portfolio, lowered portfolio-at-risk by 18%, and improved loan review turnaround by 25%. I bring over 15 years of banking and microfinance experience across credit analysis, underwriting, deposit mobilisation, compliance, and financial advisory.
Experience
Work history, roles, and key accomplishments
Relationship Manager
Kifedha Limited
Jan 2021 - Present (5 years 8 months)
Scaled branch loan portfolio quality by 28% through rigorous financial statement analysis and risk evaluation. Directed daily credit operations, resolved audit findings, and reduced non-performing loans by 22%.
Unit Manager
Kenya Women Micro Finance Bank
Jan 2015 - Dec 2019 (4 years 11 months)
Managed a branch loan and deposit portfolio exceeding KES 150M while maintaining regulatory compliance. Lowered portfolio-at-risk ratio by 18% and cut loan processing turnaround time by 25%.
Business Development Officer
Kenya Women Micro Finance Bank
Jan 2011 - Dec 2015 (4 years 11 months)
Increased group deposit mobilisation by 40% over 24 months and achieved a 96% loan repayment rate. Conducted credit appraisals for over 500 applicants and advised micro-entrepreneurs on financial planning.
Trainee
Bidco Oil Refineries
Jan 2010 - Dec 2010 (11 months)
Participated in a trainee program at Bidco Oil Refineries, gaining foundational industry experience.
Education
Degrees, certifications, and relevant coursework
KASNEB
Certified Credit Professional (Intermediate Level), Credit
Ongoing Certified Credit Professional (Intermediate Level) training.
Kenyatta University
Bachelor of Commerce, Marketing
Bachelor of Commerce in Marketing from Kenyatta University.
Tech stack
Software and tools used professionally
Availability
Location
KenyaAuthorized to work in
Salary expectations
Job categories
Skills
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