Maureen Ouko
@maureenouko
I am an experienced credit and collections professional improving portfolio recoveries.
KenyaWhat I'm looking for
I am a result-driven credit and collections professional with over 7 years' experience in credit management, collections, operations and customer service within financial services. I have a proven record of managing NPLs, reducing Portfolio at Risk (PAR) and enhancing recoveries while supporting sustainable portfolio growth.
At Chai Sacco I have progressed through roles from Credit Officer to Senior Credit Officer and Senior Operations Officer, deputizing the Branch Manager and overseeing daily branch operations. I have managed treasury functions, supervised teller activities, safeguarded the vault, prepared monthly reports, and ensured compliance with regulatory and safety standards.
I led loan restructuring and client engagement for distressed accounts, implemented tracking systems to improve early recoveries, and coordinated with legal teams for escalated cases. I ensure proper collateral management, maintain rigorous record-keeping, submit SASRA and loan-guard reports, and collaborate with auditors to uphold strong internal controls and IFRS 9 compliance.
I am committed to delivering operational efficiency, mitigating credit risk, and developing high-performing teams through coaching and training. I am seeking to apply my analytical skills, regulatory knowledge and hands-on recovery experience to drive superior financial outcomes in a dynamic organization.
Experience
Work history, roles, and key accomplishments
Senior Operations Officer
Chai Sacco Society Limited
Aug 2024 - Present (1 year 1 month)
Deputized the Branch Manager and oversaw daily branch operations including treasury, teller supervision, vault reconciliation, and monthly reporting to branch and satellite offices. Implemented branch risk controls and coached staff to maintain service standards and regulatory compliance.
Senior Credit Officer
Chai Sacco Society Limited
Dec 2024 - Jul 2025 (7 months)
Managed credit operations, conducting comprehensive loan assessments and recommending/approving loans above KES 600,000 while leading restructuring and recovery strategies to reduce delinquency. Prepared portfolio reports, supervised collateral management, and ensured compliance with SASRA and IFRS 9 guidelines.
Acting Senior Operations Officer
Chai Sacco Society Limited
Feb 2023 - Nov 2023 (9 months)
Acted as second-in-command to the Branch Manager, overseeing treasury operations, teller activities, vault security, and branch accounting during the assignment period. Prepared treasury and monthly branch reports and enforced operational policies to mitigate branch-level risks.
Credit Officer
Chai Sacco Society Limited
Oct 2016 - Nov 2023 (7 years 1 month)
Assessed creditworthiness, processed and disbursed member loans in line with Sacco policies, and managed recovery for delinquent accounts including legal escalation and claims processing. Maintained comprehensive loan records and submitted monthly loan and insurance (loan guard) reports.
Teller
Chai Sacco Society Limited
Sep 2015 - Sep 2016 (1 year)
Processed member transactions, managed cash replenishment and balancing, and coordinated with branch staff for secure vault operations while ensuring adherence to operational policies. Performed daily reconciliations to maintain accurate cash records.
Customer Care Executive
Chai Sacco Society Limited
Jan 2015 - Aug 2015 (7 months)
Provided timely customer support on loan applications and account inquiries, educated members on loan products and eligibility, and maintained accurate customer records. Handled escalations professionally and ensured high standards of service delivery.
Education
Degrees, certifications, and relevant coursework
Tumaini Institute of Management
Certified Credit Professional, Credit Management
Ongoing Certified Credit Professional program at Tumaini Institute of Management to strengthen credit and collections expertise.
KUKampala University
Bachelor of Science, Mass Communication
Bachelor of Science in Mass Communication from Kampala University, completed in 2009.
Tigoi Girls' High School
Kenya Certificate of Secondary Education, Secondary Education
Kenya Certificate of Secondary Education obtained in 2003 at Tigoi Girls' High School.
Alphax College
Diploma in Journalism, Journalism, Radio Production
Diploma in Journalism with a focus on radio production, completed in 2006.
Availability
Location
KenyaAuthorized to work in
Job categories
Skills
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