This document is a resume for Nicodemus Kituku Kaula. It summarizes his professional experience, skills, education, and references. He has over 7 years of experience in banking, credit operations, and financial consulting. His most recent role is as Head of Business Development at Jubilant Kenya Limited Microfinance, where he manages default, relationships, client visits, and loan appraisals. He holds a Bachelor of Education degree from Moi University and has taken several banking, credit management, and financial analysis courses. He is seeking a leadership position where he can utilize his skills and experience in credit, sales, and relationship management.

1. Nicodemus Kituku Kaula
P.O Box 1018-80200, Malindi
Tel: 0773589708,0797656161/Email: kaulalombo@yahoo.com
PERSONAL DETAILS
Date of Birth: 28th SEPTEMBER 1983
Marital Status: Married
PROFILE SUMMARY
A dedicated Credit and Operations professional with over 7 years’ experience in a fast paced
banking environment. I possess great negotiating skills and ability to manage a team both at
Branch and otherwise. Seeking a Leadership position in an organization where I can join a strong
team and work to realize my potential to the fullest, acquire professional growth and help meet
company goals.
PROFESSIONAL SKILLS & COMPETENCIES
 Great problem-solving and analytical skills that come in hand to interpret sales performance
and market trends affecting credit business.
 Experience in building, managing and directing a highly skilled and motivated sales force.
 Good understanding of customer and market dynamics
 Strong leadership qualities
EDUCATIONAL BACKGROUND
August 2003 – April 2007 - MOI UNIVERSITY
Bachelor of Education (Mathematics and Geography)
SECOND CLASS HONOURS- UPER DIVISION
Other areas
Entrepreneurship for small businesses
Financial and Data analysis
MOI UNIVERSITY KNOW AIDS SOCIETY- 2003 UP TO 2007
Group management and project analysis
Organization and coordination of workshop
ERUDITE CONSULTANTS MARCH 2007
Project management skills
June 2009: FAULU ADVISORY SERVICES
 Investment skills and saving sensitization
 Financial literacy skills and analysis
 Leaders skill and innovation
KENYA SCHOOL OF CREDIT MANAGEMENT-August 2015
>Foundations of credit management.

2. >Financial analysis
>pillars of credit management
>Modern ways of handling credit business
> Credit/sales operations.
Micros save financial consultants-November 2015
Relationship Management and financial analysis
Credit Origination and risk management.
Sales
Credit analysis and preparation of call report.
Frankfurt school of finance and management-july2016
 Cannons of lending and risk assessment.
 Customer service.
 Relationship management.
 Business risks analysis-both financial and non-financials.
MUKAA SECONDARY SCHOL 1998-2001
Attained B+ (plus)
KILKU PRIMARY SCHOOL 1990-1997
Attained 511 marks
WORK EXPERIENCE August 2008 – December 2010
Branch Supervisor – Faulu Kenya Microfinance Bank Mpeketoni Office
Achievement > Growth in business both check offs loan as well business loans.
>Enforced compliance at the branch level especially on reconciliation.
>Growth in client numbers through on boarding new business.
>Maintained records of loan payment through debt profiling.
January 2011 – November 2013
Credit Supervisor – Faulu Kenya Microfinance bank Malindi Branch
Achievement > Growth in business-Loans and Deposit through cross selling.
>Enforced the branch credit committee thereby addressing default.
> Enhanced motivations of staffs through product trainings.
>Championed Customer trainings and satisfaction at branch levels.

3. >Maintained a Par of 5 percent for the entire period
November 2013 – March 2014
Branch Supervisor – Faulu Microfinance Bank Voi and Taveta Offices
Achievements > Growth in loan book from 25 million up to 85 Million.
>Reduced Par from 15 percent to 3 percent.
>Enhanced customer satisfaction through client’s visits and Training
> Growth in deposit thus reducing dependency on borrowed funds
March 2014–March 2015
Marafa Auto parts and spares.
Financial Consultant-Achievements
> Enabled the organization to collect pending debts.
>Growths in assets through networking and market research.
>Book keeping and cost analysis
July 2015- November2016
Jamii Bora Bank-Mtwapa branch
Relationship officer-Enterprise Banking
Achievements >Through collections of bad debts have enabled the branch to break even.
>Through marketing have on boarded new corporate business.
 Currently I have been able to tackle a huge stake of Non performing accounts
through debt profiling and negotiations for payment.
 Branch Portfolio at risk stands at 6 percent.
December 2016-to present
Jubilant Kenya limited Microfinance
Head of Business Development
Default management and Relationship Management.
Client visits, Loan Appraisals and preparations of call reports on analysis.
Staff mentorship and trainings

4. REFEREES
Please feel free to contact the under mentioned in regard to my competence for the job at hand;
1. Moses Kariuki
Manager operational Excellence
JamiiBoraBank Kenya
0738496454-Email Moses.kariuki@jamiiborabank.co.ke
2. Edwin Mathu
Head of Business Development
FauluMicrofinanceBank
0770230605-email Edwin mathu@faulukenya.co.ke
3. Benjamin Mutambuki
Chief Executive Officer
Semeha Engineering Limited
0733555224-Email semehaengineering@gmail.com