Joseph is a Credit Risk Expert with over 10 years’ experience risk management, risk-based audits and management consulting. He is well versed in the following areas; credit risk management, portfolio risk management, policy reviews and development for microfinance institutions, Business Continuity and training.
A commercially minded individual with extensive experience and a successful record in credit risk management, operations and
administration management with high level technical skills across a broad range of functional activities and can operate within strict operational and management guidelines.
Joseph initiated and led in the turnaround of the 10 plus year old loss-making client into KShs1.8 million profitability by July 2016. This was within six months with a reduced but productive client base. He was also instrumental in the reduction of Portfolio at Risk above 30 days from KShs735 million as at August 2013 to KShs468 million by end of year 2014 in Faulu Microfinance Bank Ltd.