SASteffi Annette
@steffiannette
Strategic credit and inclusive finance leader driving portfolio growth and risk reduction.
KenyaWhat I'm looking for
I am a strategic, results-oriented financial professional with over 13 years' experience in credit management, business development, and inclusive finance. I lead high-performing teams across cooperatives, MFIs, and investment groups to grow loan portfolios and minimize risk.
At Balozi SACCO I spearheaded portfolio growth to over KES 1.7 Billion while maintaining under 2% delinquency, led credit product reforms and policy updates, and overhauled records management for compliance and efficiency. My leadership contributed to national recognition for credit management.
My earlier roles span credit officer, business development, microfinance and banking where I managed diverse client portfolios, supported rural economic growth, and built high-quality microloan portfolios. I combine frontline lending experience with training, marketing and customer-care transformation.
I am passionate about community empowerment, financial literacy and inclusive leadership, registered with the National Council for Persons with Disabilities (NCPWD-Kenya), and actively volunteer in reconciliation and social-support initiatives.
Experience
Work history, roles, and key accomplishments
Loans Manager
Balozi SACCO Ltd
Jan 2019 - Present (7 years 1 month)
Spearheaded portfolio growth to over KES 1.7 billion with under 2% delinquency, led a 5-person cross-functional team, and implemented credit product reforms and policy updates to improve compliance and member uptake.
Credit Officer
UNAITAS SACCO Ltd
Oct 2014 - Sep 2019 (4 years 11 months)
Managed diversified client portfolios including SMEs and cooperatives, prepared funding proposals for board approval, and strengthened collections to improve portfolio quality across retail and group lending.
Business Development Officer
SISDO Microfinance
Jul 2012 - Sep 2014 (2 years 2 months)
Identified and onboarded rural self-help groups, led financial education outreach to drive inclusion, and built a high-quality microloan portfolio for underserved communities.
Accounts Assistant
St. Thomas Medical Health Services
Dec 2011 - Mar 2013 (1 year 3 months)
Managed payroll, financial reporting, and vendor relationships while leading customer service improvements to reduce turnaround time and increase satisfaction.
SBProspected new markets and facilitated personal loan acquisition and financial advisory services to grow the retail customer base.
Education
Degrees, certifications, and relevant coursework
KUKCA University
Master of Science, Development Finance
2021 -
Pursuing an MSc in Development Finance at KCA University (Ruaraka Campus), ongoing since 2021 focused on development finance principles and inclusive financial systems.
EUEgerton University
Bachelor of Commerce, Banking & Finance
2008 - 2010
Grade: Upper Second Class
Completed a Bachelor of Commerce specialising in Banking & Finance with Upper Second Class honours, focusing on banking, finance, and commercial practices.
Tech stack
Software and tools used professionally
Availability
Location
KenyaAuthorized to work in
Job categories
Skills
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