Raphael Rotich

Spearheaded client acquisition, onboarding and credit appraisals while managing loan disbursement and repayment follow-ups; trained junior staff and supported loan restructurings to minimize default rates.

Managed customer inquiries and bookings for airline tickets and tour packages using an advanced booking engine, building long-term client relationships and participating in professional development.

Managed NPLs and perfection processes, expanded branch clientele, and consistently exceeded sales targets while using digital tools to engage clients and drive revenue growth.

Implemented structured debt collection procedures and weekly marketing plans, increasing loan applications by 30% and consistently meeting loan disbursement targets.

Processed logbook credit applications and conducted credit analysis to reduce defaults, improving debt collection efficiency and increasing customer retention through tailored solutions.

Generated KES 1.4M in loan sales in a month (surpassing a 1M target), trained sales agents, and increased loan sales via lead generation and virtual channels.

Consistently exceeded sales targets, advised 20+ clients on policies, contributed to team winning the MD’s Challenge Trophy, and led virtual sales campaigns to broaden reach.

Supported plant operations during a short-term internship, gaining practical exposure to operational processes and safety procedures.

Assisted agricultural operations and field activities during a seasonal internship, contributing to crop management tasks and farm workflows.

Completed a Bachelor of Food Science and Technology, focusing on food science principles and technology applications.