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Michael Njuguna, Credit Officer – Credit Control

Michael Njuguna

Credit Officer – Credit Control·Metropolitan National Sacco Ltd

Kenya

Bachelor's degree, Applied Statistics with Computing

Work experience

Total years of experience: 10 years, 5 months

Credit Officer – Credit Control

October 2022 - Present

Metropolitan National Sacco Ltd

Kiambu, Kenya

October 2022 - Present

• Monitored loan disbursement and recovery to maintain a healthy loan book.
• Developed and implemented efficient credit control and recovery procedures.
• Managed delinquent loan follow-ups and repayment negotiations.
• Listing of the defaulted loans on credit reference bureau.
• Ensured accuracy in member loan accounts, deductions, and reconciliations.
• Resolved client complaints and enhanced service satisfaction.
• Collaborated on statutory SACCO reports and audit preparations.
• Assist in preparations of SASRA returns forms
• Advice of potential write offs of irrecoverable debt.
• Acting Credit Control Manager
Company industry:
Accounting

Credit Officer – Credit Administration

January 2016 - Present

Metropolitan National Sacco Ltd

Kiambu, Kenya

January 2016 - Present

• Handled accurate and timely loan disbursement.
• Reconciled deductions, updated member accounts, and monitored loan performance.
• Maintained credit data integrity, minimizing financial and legal risks.
• Ensured compliance with sanction conditions before loan processing.
• Recorded and responded to customer inquiries, complaints, and feedback.
• Supported preparation of credit reports and internal controls compliance.
Company industry:
Accounting

Education

University of Kabianga

January 2015

January 2015

Bachelor's degree, Applied Statistics with Computing

Kenya

ST. JOSEPH HIGH SCHOOL

January 2009

January 2009

High school or equivalent, O LEVELS

Kenya

Skills

CREDIT CONTROL
Intermediate
CREDIT CONTROL
Intermediate
CREDIT MANAGEMENT
Intermediate
CREDIT MANAGEMENT
Intermediate
CUSTOMER SERVICE
Intermediate
CUSTOMER SERVICE
Intermediate
DATA INTEGRITY
Intermediate
DATA INTEGRITY
Intermediate
DETAIL ORIENTED
Intermediate
DETAIL ORIENTED
Intermediate
FINANCIAL SERVICES
Intermediate
FINANCIAL SERVICES
Intermediate
FUND DISBURSEMENT
Intermediate
FUND DISBURSEMENT
Intermediate
LOANS
Intermediate
LOANS
Intermediate
MICROSOFT EXCEL
Intermediate
MICROSOFT EXCEL
Intermediate
PROJECT RISK MANAGEMENT
Intermediate
PROJECT RISK MANAGEMENT
Intermediate

Languages

English

Expert

Swahili

Expert

Training and Certifications

Certifications
Certified Investment and Financial Analyst (CIFA) Part II Certified