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KINUTHIA JAMES MWANGI
P.O BOX, 158-00206, KISERIAN
Tel:+254-714043044,+254-733875883
Email:jameskinuthia11@gmail.com/jameskinuthia79@yahoo.com
An Efficient and organized Debt Recovery professional, with over one year of experience in
maintenance of debtors schedule, recovery of overdue debts accounts, processing sequences
of communicating information to promote understanding and corporation from customers on
payment for services.
My goal is to work in a dynamic environment where there is room for growth and development
of my career both technically and in a personal level.
Personal Details:
 Date of Birth:1989
 Marital Status: Single
Education and Professional Qualification:
 Bachelor of Science (Physics Major, Mathematics Minor),Egerton University, 2nd
upper;2009- 2013
 Earth Science Course level one, Egerton University: 2013
 Kenya Certificate of Secondary Education, Oloolua High School,B+: 2004-2007
Key Professional Skills and Competencies:
 Relevant hands on debt recovery experience
 Ability to reconcile complex accounts and excellent attention to detail
 Ability to establish and maintain good client relationships, both internally and externally
at all levels
 Calm, confident and able to handle potentially uncomfortable conversations.
 Depth of Statistics and Mathematics knowledge to enable research and evaluation of
change and trends
 High level of integrity, being trustworthy and respectful of confidential information
 Time conscious, able to work under pressure and adhere to deadlines
 Ability to undertake responsibilities with utmost integrity, loyalty, transparency and
commitment, putting the interest of the organization first.
 Willing to go that extra mile for my team members

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PROFESSIONAL EXPERIENCE:
Assistant Default Recovery Manager,
New Milimani Sacco.
January 2016-to date:
Duties and responsibilities
 Respond to routine queries arising from debtors via face to face contact and by letter,
email and telephone including the determination of appropriate installment recovery
arrangements with individual debtors and the setting up of those installment plans.
 Monitor debtor payment agreements and take the necessary action when agreements
have lapsed.
 Contact debtors directly by telephone to pursue debt recovery where standard
recovery letters have been unsuccessful in obtaining payment.
 Identify and issue unpaid debts to collection agencies in line with the Auctioneer’s Act
and liaise with collection agencies on the progress of debts referred to them.
 Where necessary, carry out any appropriate check to determine any reason for non-
payment which should be considered before recovery action is pursued.
 Ensure that all recovery procedures have been followed in line with the Sacco’s Debt
Recovery Procedure to enable a debt to be referred to Legal for further recovery action.
 Provide assistance and training to staff throughout the Sacco on matters loan
processing and recovery
 Review the daily ‘unallocated ‘payments schedules to ensure that all payments are
allocated to the intended debt.
Debt Recovery Officer/Referral Recovery Officer;
New Milimani Sacco Ltd
May 2014-December 2015
Duties and Responsibilities:
 Ensuring that all defaulters of loans are accounted for.
 Responsible for the day to day maintenance of debtors Schedule
 Perform debtors account reconciliations and analyses to support the accuracy of the
general ledger and related sub-ledgers.
 Reduce the number of Members Accounts in Default as well as the value of debts due
from defaulters in the allocated portfolio.
 Co-ordinates and controls the application of accounting, credit control and debt
collection policies and procedures by attending to the verification, reporting, processing
and reconciliation of account receivable transactions to support analysis, identification
and recovery of overdue debts accounts, processing sequences of communicating

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information to promote understanding and corporation from customers on payment for
services.
 Re-negotiating repayment plans if people are in financial difficulties
 Tracing missing debtors
 Arranging for goods to be repossessed to cover outstanding debt
 Setting up and maintaining customers files
 Using specialist computer databases to check credit records
 Contacting individuals or business customers when payment is overdue asking them to
settle their accounts and explaining the terms of their credit
 Liaising with solicitors, legal officers and debt counselors where necessary
REFEREES
Please feel free to contact the under mentioned in regard to my competence, work ethic,
performance and / or any other aspect with respect to me:-
JUSTUS .M. WATURU
Deputy Chief Executive Officer.
New Milimani Sacco
CELL;0722761573
Justus@newmilimanisacco.com
EMILY KARERE
Branch Manager
New Millimani Sacco, Ongata Rongai
Cell No 0722413036/ 0728268442
rongaimanager@newmilimanisacco.com
ANTHONY GICHUKI KIMARU
Quality Control Officer
Oloolaiser Water and Sewerage Company
Cell No 0726605070
agichukik@gmail.com