Jim Jeremiah Masibo

P.O Box 1344-050200Bungoma 0723833643 jmasibo6@gmail.com/jim.masibo@yahoo.com

CAREER OBJECTIVE

To use my innate, professional knowledge, personal values, past leadership and work experience as a tool
to better other people, the society, my employer through advancement in knowledge, hunger to learn and
willingness to share the knowledge.

WORK EXPERIENCE

TSUSHO CAPITAL (K) LIMITED(In-house financing company for Toyota Tsusho Corporation)

SENIOR COLLECTOR

Promptly follow up and recover all loans due for payment.

Preparation of CRB listing data and update of client information.

Ensure all demand letters for delinquent loans in the company portfolio are issued and served
promptly in accordance with credit policies and procedures.

Monitor debt collection response cycles and contacts as well as credit control performance

Ensure all recovery activities and follow up are properly documented and filed in customers'
credit files.

Maintain a proper diary, for all the scheduled debt recovery activities i.e. demand notice expiry,
advertisement notice expiry, auction date, etc. to be shared with credit team and management on
weekly basis.

Monitor and record activity levels, success rates, determine optimum threshold rates and levels,
match resources, and deal with peaks and valleys for cost efficiencies.
Conduct client visits (on a need basis) and telephone calls to follow up on payments.
Project relevant trends that affect the collectibles of the portfolio and isolate potential problem
areas.
Ensure one day arrears management for all disbursed loans is fully executed.
Ensure a record is maintained with track of all the recovery progress for all loans in arrears.
Ensure reports are prepared and recommendations made on bad debts to be written-off to the
management for approval.
Mentoring newly recruited collectors.
Follow up with the legal team cases that need legal advise.

KEY RESULTS

Reduced delinquency from 52% to 5% in one year

Introduced a tool for strategic follow up on a daily basis.
Fostered relationship with the customers and introduced visit schedule for corporate customers.
Introduced mentoring sessions for the new staff.
JIINUE CREDIT COMPANY (JCCL)

BUSINESS OPERATION MANAGER

ROLES

i Customer Acquisition, Expansion & Management

Spearhead business expansion by acquiring new customer through sales.

Coordinate promotion and marketing activities.

ii Operation Management

Oversee JCCL functioning with respect to operations, systems and processes.

Responsible for procurement and other logistics;
Provide reports on operations as requested by the CEO and the board of directors;
Responsible for effectiveness and efficiency of the JCCL, team development, team morale.
Implementation of JCCL Operation Manual & code of conduct at the various levels in operations

iii Monitoring and Risk Management

Ensure loan portfolio quality through effective monitoring, evaluation and follow up.
Ensure due diligence through regular communications.
Strengthen staff capacity by providing training & support on JCCL lending and reporting systems
and policies.
Prepare weekly and monthly management reports.

iv Credit management and administration

Maintain day to day reports on loans disbursement and repayments.

Ensure that all finances are properly administered and monitored, including credit control.
Support and supervisor accountants and credit officers in the provision of information for the
estimates.
Ensure that loan processed adhere to stipulated guidelines
Verify loan applications.
Ensure transactions are properly recorded and entered into the computerized accounting system.

v Internal Controls

Assesses key risk areas, and designs, implements, and trains staff on appropriate systems to
ensure strong internal controls
Facilitates external audit relationship and application of auditor recommendations
responsiveness to internal control requirements.

KEY RESULTS

Set up Credit assessment for loan appraisals.

Developed ageing book of defaulters that categorized delinquency in terms of period, amount
disbursed and employment status. This gave the team the scope of operation for existing
customers and new customers to be recruited.
 Was part of the team that set up new credit policy that safeguarded the company against losses
and provided roadmap for all loan application and controls
Introduced tools that improved payment frequency of the customers at the same time reduced
risk exposure.
Increased customer acquisition to above 1500 customers in six months.
Established internal controls that minimized fraud .

FAULU KENYA DTM LTD

RELATIONSHIP OFFICER (FROM JULY 2007-2013)
CREDIT DEPARTMENT
(Assets and Liabilities)
ROLES
i Growth of assets and liabilities.
Recruiting and processing loans for existing & potential customers.
Mobilizing deposit as per central bank requirements
Recruiting and opening accounts for existing & potential customers
Cross-selling of other products to meet the agreed targets.
Creating product awareness to potential clients through promotional campaigns.
Recruiting & qualifying major institutions for special loan scheme (M.O.U. establishment)

ii Credit risk / compliance.

Analysis of financial statements & reinforcing advanced ratio analysis.
Manage loan portfolio to an acceptable P.A.R. level
Proper handling and custody of security documents.
Proper grading of loan accounts as per the credit policy.
Proactively managing and monitoring credit facilities to maintain a quality portfolio.
Follow up of unpaid loans through collections to ensure maximum profitability.

MARKETER (FROM NOV 2010-JUNE 2011)

ROLES
Due diligence at the point of Know Your Customer (KYC)
Cross-selling of other products to meet the agreed targets.
Mobilizing deposit as per central bank requirements.
Timely processing & forwarding required reports for on going processes.
Prudently managing customer complaints on all business related issues, ensuring resolution and
acknowledgment as per S.L.A. (Service Level Agreement)

KEY RESULTS
 Pioneered the establishment and success of business unit at kapenguria due to aggressive
marketing and prudent lending and collections of Kshs 30 million and reduction of PAR from 78%
to 8% in only six months.
Championed the use of point of sale devises at the branch level.
Champion of deposits growth and SME at the branch level.
Established M.O.U agreements with PEFA churches of Kenya and FULL GOSPEL churches in
Kiambu County.

WILLIAM HOLDEN WILDLIFE EDUCATION CENTRE

22ND MAY 2006 29TH JULY 2006
DESIGNATION: TRAINING ATTACH WILDLIFE EDUCATION OFFICER

Tasks Accomplished

Education on basic wildlife management and visitor handling.

Giving guided tours to tourists at the Mt. Kenya orphanage.
Dissemination of environment conservation education to students and visitors.
Carrying out public education and extension in the community.
Carrying out an inventory of the animals in the entire Mt. Kenya Wildlife Conservancy.

SKILLS ACQUIRED

Writing skills, public relations, research, interpersonal, team building and motivation skills.
Microsoft office suite and Applications(Word, Excel, PowerPoint, Access, Outlook)
Excellent Communication skills.
Analytical skills and problem solving skills.
High touch customer care experience.
Negotiation skills.
Leadership skills.
Excellent use of sap system of accounting.

ACADEMIC QUALIFICATIONS

Pursuing-Post Graduate Diploma in Credit Management (CCP), sec 3 &4 by KASNEB

Moi University, Chepkoilel Campus-B.Sc. Wildlife Management (2 nd honors lower division)
Kabula High School-KSCEB PLAIN
Mwiruti Primary School-KCPE B+ (531 marks out of 700)

OTHER TRAINING AND SEMINARS ATTENDED

Deposits Mobilizations Training by Faulu Kenya Dtm ltd(2010)
Induction Training by Faulu Kenya Dtm ltd(2007)
Annual East Africa Students Seminar(2007,2006,2005)
Regional Workshop on Wildlife Policy and Legislation(2006)
HOBBIES

Socializing and making new friends.

Travelling

Enjoys reading, acquiring new knowledge & experience

REFEREES

1. MRS.ABIGAEL NYAWACHA, 2.MRS. EMMA ONDIGO 3.MR.JACOB MUIA KIVINDYO,

TEAM LEADER, FAULU ENTERPRENEURSHIP. ASSISTANT CREDIT MANAGER,

KENYA LTD KITALE, MASTER TRAINER, EQUITY BANK TSUSHO CAPITAL (k) LIMITED,

P. O. Box 7999, ELDORET P.O BOX 751045,NAIROBI P. O. Box 443-90119 MATUU,

abigaelvivien@gmail.com emmaochieng@yahoo.com Muia.kivindyo@gmail.com

0721 291 723/077 023 1184
0737-482 985 0710242538/0788103161