Michael Njuguna

• 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

• 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.