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Nancy Gakuo

@nancygakuo

Relationship Officer at Co-operative Bank of Kenya who grew co-operative portfolios to ~$8.5M in assets and ~$51M in liabilities.

Kenya

Message

What I'm looking for

I'm seeking senior relationship management, client success, business development, or risk and compliance roles in international, remote-first organisations.

At Co-operative Bank of Kenya, I manage relationships with small and medium co-operatives across transport, housing, and investment. I grew the departmental asset book to approximately US$8.5 million and liabilities to approximately US$51 million.

I also reduced non-performing loans from approximately US$3 million to US$1 million, kept portfolio at risk below 5%, and onboarded 400 new co-operative societies. In 2025, I was appointed the department's Service Excellence Champion.

Earlier at Co-operative Bank of Kenya, I managed co-operative banking relationships and grew agent and PDQ channels, including managing 190 agents and recruiting 125 new agents and merchants. I work with Microsoft Dynamics 365 CRM and bring experience in client success, business development, credit risk, and KYC/AML compliance.

Experience

Work history, roles, and key accomplishments

Current

Relationship Officer, Transport, Housing & Investment Co-operatives

Current

Co-operative Bank of Kenya

Oct 2022 - Present (3 years 11 months)

Manages and grows a portfolio of small and medium co-operatives, driving asset and liability growth, client acquisition, and credit quality. Reduced non-performing loans from ~US$3 million to ~US$1 million and generated 12,000 CRM leads that lifted loan applications by 116%.

Customer Relationship Management Business Development Portfolio Management Credit Risk Management KYC AML Compliance Dynamics 365 CRM Data Analysis Loan Evaluation Customer Service Excellence

Co-operative Relationship Officer

Co-operative Bank of Kenya

Apr 2018 - Sep 2022 (4 years 5 months)

Managed a co-operative client portfolio, growing assets and liabilities while maintaining rigorous compliance and loan-book quality. Acquired 70 new co-operatives and exceeded loan-sales and deposit-booking targets by 116%.

Customer Relationship Management Compliance KYC AML Credit Policy Portfolio Management Business Development Non Interest Income Growth

Channels Performance Officer

Co-operative Bank of Kenya

Apr 2013 - Apr 2018 (5 years)

Grew and managed the bank's agent (branchless) banking and PDQ (point-of-sale/card-acquiring) channels, focusing on agent and merchant acquisition, channel performance, and compliance. Managed a network of 190 agents and recruited 125 new agents and merchants.

Agent Banking PDQ Deploy POS Card Acquiring Channel Management Compliance AML CTF Training Customer Service Reconciliations

Sales Executive

Incredible Products International Limited

Mar 2011 - Oct 2012 (1 year 7 months)

Marketed and sold company products, expanding market reach and improving operational efficiency. Identified and secured new markets for product distribution and streamlined requisition preparation, VAT-return filing, and stock reconciliation.

Sales Marketing Market Development Distribution Stock Reconciliation VAT Filing Customer Experience