Patricia Kalinga

Onboarded financial institutions into the loan guarantee programme and performed independent forward-looking appraisals aligned to UNCDF onboarding processes. Managed a USD 360,000 guarantee facility to advance financial inclusion and SME lending, including guarantee claim/refund processing and due diligence for direct debt activities.

Oversaw credit lending and updating processes to ensure compliance with internal policies and regulatory guidelines, performing credit assessments and setting appropriate credit limits based on risk. Supervised daily activities of 17 Credit Officers, monitored loan portfolios for early warning signs, and led recovery actions for non-performing loans through renegotiation and restructuring.

Conducted comprehensive credit assessments by analysing customer financial information and performing field visitations to evaluate business viability prior to approval. Disbursed loans up to K70,000, advised clients on repayment structures and default consequences, and designed credit recovery and risk mitigation strategies to reduce non-performing loans and strengthen portfolio quality.

Managed customer accounts and repayment arrangements, ensured collateral and security information was properly filed, and supported loan recovery by contacting clients to address dues and prevent complications. Marketed bank products and advised clients on facility options and loan terms, earning best performing Credit Officer in 2016 with a portfolio of 100+ clients and the lowest portfolio at ri

Supported finance operations during internship in the Kitwe branch, assisting with basic administrative and reporting tasks to support branch activities.

Supported onboarding of personal and business clients in compliance with KYC and regulatory requirements and served as primary point of contact for customer enquiries and issue resolution. Marketed and promoted new banking products to existing and prospective clients, improving product uptake and customer satisfaction.

Earned a Master’s Degree in Economics at Peter the Great St. Petersburg Polytechnic University from 2009 to 2014.

Completed a Certificate in Russian Language at Peter the Great St. Petersburg Polytechnic University from 2008 to 2009.

Completed a certificate course in computer basics, including Microsoft Windows XP and Microsoft Office/PowerPoint/Access/Publisher from 2003, as well as Microsoft CorelDraw 12.

Completed secondary education at Hellen Kaunda Secondary School in Kitwe, Zambia from 2002 to 2006, earning a Grade 12 School Certificate.