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JOHN KIRUKI

@johnkiruki

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Results-driven business development officer specializing in credit management.

Kenya

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What I'm looking for

I seek a client-focused role in microfinance or financial services where I can grow loan portfolios, reduce arrears, strengthen risk controls, and advance into broader credit or portfolio management responsibilities.

I am a results-driven Business Development Officer with over three years' experience in credit management, portfolio growth, and client relationship management within microfinance and financial services.

I have strong experience conducting credit appraisals, business assessments, and loan evaluations across SME and individual segments, i managed a portfolio of 50+ SME clients, achieving a 20% increase in loan approvals through targeted relationship building strategies.

I implemented collection strategies that reduced overdue accounts by 15% within six months, and fraud-prevention procedures that protected the institution from significant loss.

I communicate complex terms clearly, work well with internal and external stakeholders, and am proficient in Microsoft Word, Excel, PowerPoint and basic internet operations; I also have practical experience in AI data labeling and quality assurance.

Experience

Work history, roles, and key accomplishments

Current

Field Officer

Current

First Choice Auctioneers

Oct 2025 - Present (8 months)

Executed legal notices, debtor tracing, asset identification and repossession support while ensuring compliance with court orders and the Auctioneers Act; submitted field reports and evidence for legal proceedings.

Debtor Tracing Legal Compliance Field Reporting Risk Assessment

Business Development Officer

LOLC Kenya Microfinance Bank

Oct 2024 - Sep 2025 (11 months)

Prospected, appraised, and managed SME and individual clients to grow a high-quality loan portfolio; implemented collection and follow-up strategies that maintained portfolio health and promoted loan-linked insurance products.

SME Collections Portfolio Management Client Relationship Management Financial Reporting Customer Service

Business Development Officer

Kenya Women Microfinance Bank

Dec 2021 - Sep 2024 (2 years 9 months)

Recruited and managed clients across individual, group and SME lending products, conducted credit risk analyses and recovery strategies, and supported deposit mobilization and cross-selling to boost revenue and retention.

Client Acquisition Credit Risk Analysis Group Lending Collections Deposit Mobilization Cross Selling Customer Service

Business Development Intern

Kenya Women Microfinance Bank

Aug 2021 - Oct 2021 (2 months)

Supported client appraisals and business evaluations for loan approvals and assisted in credit assessments and early-stage portfolio management during internship.

Client Appraisal Business Evaluation Customer Service Loan Processing Data Entry Report Preparation

Education

Degrees, certifications, and relevant coursework

Zetech University

Diploma, Banking and Finance

2018 - 2021

Completed a Diploma in Banking and Finance with a focus on credit, covering credit appraisal, portfolio management, and financial services operations.