Open to opportunities

Rita Makathimo

@ritamakathimo

Message

Experienced banking professional specializing in credit and operations management.

Kenya

Message

What I'm looking for

I seek a remote-friendly finance role where I can lead credit and operations improvements, mentor teams, and drive measurable reductions in processing time and loan defaults.

I am a results-driven banking professional with over 10 years of experience across credit, operations, and customer service, focused on driving operational efficiency, regulatory compliance, and business growth. I have a proven record of managing large credit portfolios, reducing non-performing loans, and streamlining multi-department workflows.

At my current role I redesigned credit evaluation workflows to reduce loan processing time by 42% and improved approval accuracy to cut non-performing loans by 17%, while monitoring portfolios remotely to reduce defaults by 13%. I also led interdepartmental process improvements that boosted overall efficiency by 26% and coached teams to strengthen compliance and service standards.

I hold a Master’s and Bachelor’s in Business Administration and am skilled in stakeholder engagement, risk assessment, financial reporting, and virtual collaboration. I seek opportunities where I can apply my credit and operations expertise to deliver measurable impact in a dynamic, remote-friendly financial services environment.

Experience

Work history, roles, and key accomplishments

Current

Credit & Operations Officer

Current

Bank of Baroda (Kenya) Ltd.

Aug 2019 - Present (6 years 4 months)

Redesigned credit evaluation workflows, reducing loan processing time by 42% and lowered non-performing loans by 17% through improved credit assessment and due diligence. Streamlined cross-departmental operations to boost efficiency by 26% and coached staff to strengthen compliance and service delivery.

Credit Analysis Loan Processing Risk Assessment Portfolio Management Regulatory Compliance Workflow Optimization Team Leadership Documentation Management

Junior Credit Officer

Bank of Baroda (Kenya) Ltd.

Jul 2017 - Aug 2019 (2 years 1 month)

Supported credit application evaluations and frontline loan customer service, improving reporting accuracy and reducing processing delays through enhanced interdepartmental coordination. Monitored accounts to flag repayment risks early and contributed to process improvements.

Loan Processing Customer Service Credit Analysis Reporting Virtual Collaboration Process Improvement

Clerical Officer - Credit & Clearing

Bank of Baroda (Kenya) Ltd.

Jul 2015 - Jul 2017 (2 years)

Processed high-volume customer transactions and clearing tasks with accuracy, supported audits and internal controls, and helped implement operational workflows that reduced errors and delays. Maintained comprehensive records to improve retrieval and reporting.

Transaction Processing Clear Documentation Management Compliance Internal Controls Audit Support Records Management

Part-Time Lecturer

Kenya Methodist University

Sep 2013 - Jul 2015 (1 year 10 months)

Delivered business and management lectures, developed course materials and assessments, and supervised student projects to improve academic performance and practical application of management concepts.

Teaching Curriculum Development Assessments Project supervision Presentation Skills Academic Planning

Mentor (Volunteer)

SOS Children's Home

Jan 2008 - Jul 2011 (3 years 6 months)

Provided mentorship and guidance to children over multiple years, supporting personal development and educational growth as a volunteer mentor.

Mentoring Youth Development Counseling Program Support Volunteer coordination Communication Relationship Building

Intern Marketing Officer

Kenya Methodist University

Jan 2011 - Jun 2011 (5 months)

Supported marketing activities and campus communications during a six-month internship, contributing to promotional campaigns and administrative marketing tasks.

Marketing Support Communication Administrative Support