CURRICULLUM VITAE (CV)

ANNE CHEPKORIR
MBA (UoN) ,BCOM (UoN) , DCB ( Inoorero University) Associate of Chartered Institute of Bankers(ACIB), Institute of Financial Services (UK)
P O Box 3405 - 00506 NAIROBI
Email Address; anne.mbatha@barclayscorp.com or annembatha22@gmail.com Mobile: 0722-579697
Personal Profile
I am a professional Banker who is a Self-driven person with excellent management, leadership, interpersonal skills, high energy, high integrity and
discipline. A team player and a strategic thinker with over 25 years’ experience in the banking sector.
A leader with distinct expertise in effective communication, Asset and Risk management, Branch Management, Sales and Business Development,
Relationship management, Networking, Negotiation Banking Operations -Credit and financial risk analysis, Operations Monitoring and control, Planning,
Resources Management and Cross Functional Facilitation Corporate turnaround and Performance Management which is clearly demonstrated by my
consistent ability to achieving or exceeding set goals and Targets. I have effectively managed regions, branches and product sets with proven results in
profitability, Well versed in risk management measures at product and individual account levels. I have excellent customer care and decision making skills
demonstrated through lending discretion and making decisions, in the best interest of my customers and Business stakeholders during my work period.
I have the ability to selflessly support teams, individuals and colleagues achieve their full potential and career ambitions through training, coaching &
mentorship.
Key Skills and Competencies

Leadership and People Management Skills.

 I have extensively acquired people management and leadership skills over a period of 14years from Branch Manager role to current role as Head
Business Support & Corporate Recoveries .
 I have cross-country/regional training and practical experience dealing with people in various cadres in the organization and across several
functions. Thus, I am able to effectively lead, coach and motivate teams towards achieving their goals and molding them for growth in their
careers.
Credit Skills
 I possess good credit skills having worked in Business Support &Corporate Recoveries Credit for over 7 years. These I have acquired through
professional training and experience. I have also been involved in sanctioning/approving Credit proposals over the last 6 years in the Business
Support & Recoveries Team. I have personal approval discretion of Kes 200 million.
 I have an excellent understanding of businesses which are facing distress and possess the expertise required to diagnose challenges and craft
appropriate turnaround strategies.
Relationship, Interpersonal and Networking Skills.
 Having worked in several branches and regions in Kenya, I have interacted with many people of different and diverse backgrounds and cultures
whom I am comfortable to deal with in any situation.
 I also build and actively manage good relationship with my colleagues, customers and across various functions which enable me to succeed in
my role and get any cross-function support that I may require.
 I have a vast network of close contacts and an excellent working relationship with many external professionals who include lawyers, receiver
managers, accountants, and auctioneers amongst many others.
Negotiation Skills
 I possess good negotiation skills demonstrated by successful closure of corporate recoveries accounts through settlement deeds that enabled us
close legacy court cases.

Human Resources Management Skills

 I possess good people management skills acquired over the past 14 years through various professional training and experience.
 I have the ability to develop, coach and motivate a high performing team that delivers and exceed on targets.
 As a Leader, I have always identified training needs of my team and introduced training programs to match these needs.
 I allow my team the liberty to work independently, providing guidance from time to time while overseeing their performance, a flexibility that
has seen them achieving their key objectives.
Other competencies
 Analytical and ability to identify problems and offer solutions to businesses facing distress.
 I have a good understanding of the Corporate Credit and Business Support & Recoveries policy and have on several occasions given
recommendations on changes which have been adopted in manual.

Employment History and Work Experience

Job Title -Head of Business Support and Corporate Recoveries, (Corporate Credit) Organization – Barclays Bank of Kenya Year- April 2017 to Date

 Team Leader of the BBS & CR Kenya team with key responsibilities on team management and development ,Strategy Implementation, Portfolio
& Business management with sanctioning discretion of high value cases with a personal discretion Kes 200m.
 Overseeing staff managing a portfolio of 92 accounts with a value of Kes 8.1bn
 In charge of training, development and identification of top talent.
 Spearheading cross border attachments of Business Support and Recoveries colleagues across Kenya,

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  Overseeing Corporate and Commercial Banking names on Watch list for Kenya ensuring they are clearly articulated and managed in accordance
with the Enterprise Risk Management Framework.
 Responsible for the embedment of appropriate governance and controls necessary to manage BBK Corporate / Commercial watch list. Oversight
of impairment testing for Corporate names ensuring that impairments are taken timeously
 Reputational risk management in dealing with high profile cases.

 Sit in country credit Board committee and other risk committees to inform policy

Job Title -Business Support Manager , Barclays Bank Limited, Oct 2010 to Aug 2014 & Aug 2016 to March 2017

 In charge of training and development of staff both in BBS and CR with lending discretion of Kes65m
 Formulating and implementing strategies to improve Business and Bank risk for corporate and SME customers
 Manage a diverse portfolio of customers with exposures of Kes 6.6b with customers comprising medium size to multinationals ensuring
business and banking risk issues are addressed.
 Consistently deliver corporate turnaround on a portfolio of high risk corporate customers thereby mitigating credit risk concerns and securing
the future income stream for the bank. I Identify specific business risk concerns, analyse the root causes for corporate decline on corporate
portfolio and obtain customers’ commitment to implement appropriate strategies
 Deputizing Head of BBS in managing the BBS portfolio

Job Title -Corporate Recoveries Manager, Barclays Bank Limited, Sept 2014 to Feb 2017,
 Responsible for leading the Corporate Recoveries team and managing team to achieve key business targets
 Overseeing staff in Corporate Recoveries managing a portfolio my portfolio and their portfolio of 73 accounts with a value of Kes 1.8bn
 Equally responsible for determining the objectives, strategies and actions that need to be adopted to address business-risk issues, reduce the
Bank’s risk, and achieve managed exit/recovery solutions so that the bank realizes the maximum return in the shortest possible time.
 Ensured we achieved portfolio targets in collections, recoveries, case life and impairment as per performance development plan
 Llead in detailed negotiations with customers, sometimes in conjunction with Section Head to reach agreement and implementation of strategy,
e.g. Settlement proposals, managed exits/recoveries etc.
 As the secretary of the Country Impairment Review Committee I coordinate all stake holder and ensure successful meeting and was the
custodian of the minute books of the Committee
 Manage the provisioning process in line with Group and Regulatory policy for the Corporate Recoveries portfolio.
 Progressed the recovery of debts on classified Corporate accounts and ensure their compliance with local regulatory requirements and the
bank’s internal procedures.
 Set objectives, drive performance in line with performance development plans with regular reviews, feedback and coaching to ensure targets are
met.
 Identify risk skills gaps, and communicate and meet identified training and development needs.
 Representing the team in key risk management meetings
 Deputizing the Head of CR and Supporting other Managers run with their portfolio in their absence .
Job Title-Business Development Manager, Barclays Bank Limited, 2004 to Oct 2010

Operations Management
 Responsible for the development and implementation of local business strategy and growth of business portfolio in Nyanza, Rift Valley and
Western Kenya covering 14 branches
 Leading a team of 62 staff consisting of Business Development officer, Sales Manager, Business Customer Advisors and Business customers lead
generators
 Growing quality business and managing the bank’s asset and liability books
 Overseeing initiatives towards the growth in product penetration and increase in wallet share and running with the business club income and
budget for the region.
Business Development
 Growing the asset book for Western Kenya portfolio within acceptable credit risk, identifying and clinching possible banking opportunities.
 Initiating the development of new products & services and maintaining regular contacts with clients.
 Working very closely with the regions Area Managers, Branch Managers and branch staff to achieve sales, service for the region and drive the
Local Business propositions
 Proactively visiting and calling both existing and potential clients in the region to increase the wallet share.
 Running value adding seminars, networking events and international trips for customers in my region for business growth.
Monitoring and Control of local business advances
 Carrying out financial & credit analysis through audited accounts, management accounts, including comprehensive business analysis
 Evaluating credit applications and advising the retail credit team,
 Conducting detail risk and needs analysis for both existing and new clients to match present products to customer’s needs
 Undertaking continuous and periodic reviews of the bank’s lending book in liaison with the monitoring and control team
 Reviewing the risk portfolio sent by RCT and following up defaulting customers in the region to ensure we have a healthy portfolio,
 Following up with the stakeholders and ensure perfection of securities by DSC and ABF sections was done.

Team leadership,
 Discussing and agreeing Performance Development plans and ratings for Business Development Officer, Sales Manager and all Business
Customer Advisors
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  Developing a team player spirit and motivating the team to deliver great results,
 Maintaining good working relationship with colleagues and other business functions, participating in team meetings and other bank activities,
 Managing change within area of responsibility,
 Holding forte for the Area Mangers for Kisumu and Kisii Hubs in their absence; and deputizing the Head of Local Business with the 10 Business
Development Managers

Key Achievements
 Achieved and exceeded sales targets in lending and book growth to Ksh 500million, liabilities growth to Ksh 1.4b and business club growth to
1700 members through continuous weekly, monthly and quarterly reviews of achievements
 Pioneered the networking of business club members taking the 1 group of 136 members to Dubai and a group of 900 members to China
st

 Developed the business suite concept and obtained appropriate approvals and set up 3 business club suite in the Western region
 Recruited many customers to business club achieving a membership of 1700 at the time which helped in reducing the risk profile of the
portfolio
 Mentored & Coached and grew 7 team members(BCA’s) to become managers

Job Title:-Retail/Branch Manager, Barclays Bank Limited, 2003

Overview: This roles entailed responsibility for a team of 13 highly motivated staff.
 Responsibilities
 Driving sales of all products; - Scored and non Personal loans, Local business products and Barclay card products.
 Carrying out credit assessment of loan applications and liaising with Head office credit operations and processing to ensure seamless customer
service.
 Overseeing branch Operations and controls and preparing branch monthly reports
 Formulation and Implementation of branch business development strategies
 Customer relationship building and maintenance
 Frequent micro marketing expeditions to sensitize our market on our products
 managing relationships with both corporate and individual customers
 carrying out direct staff performance reviews, motivation, feedback and coaching and establishing performance improvement to address the gaps

Business Manager, Barclays Bank Limited, 1998 to 2002

Overview: This position entailed being a Relationship Manager of a portfolio of business customers for both Kisumu and Mbale branches.
 Responsibilities
 Setting the strategic plan for the Western Kenya region with the Senior Business Manager
 Acting as the principal contact for customers and provide the interface between the customer and the Bank
 Undertaking clients’ relationship management, business development, analysis of credit risk and monitoring and control of the lending book
 Analyzing and giving sanction for customers’ requests within my discretion at the time.
 Analyzing and making recommendations for lending’s above my limit to Senior Business Manager and Risk Unit.
 Deputizing the Senior Business manager in all lending for the region.
Earlier Career

 PA to Senior Corporate Manager, Barclays Bank of Kenya, Ltd 1997 to Nov 1998
 Supervisor Advances and Securities, Guarantees /Trade Services, Current Accounts, Savings Departments, Graduate trainee, Barclays Bank of
Kenya, 1992 to 1996
Academic and Professional Qualification

Academic Qualifications
 Masters of Business Administration (MBA) in Strategic Management University of Nairobi (UoN)- 2009 to 2010.
 Bachelor of Commerce (Business Administration Option) University of Nairobi (UoN)i, 1988 to 1991
 Business Mentorship from Inoorero University 2013
 ‘A’ Level Certificate 3 principals and 1 subsidiary
 O’ Level Certificate 1980 -1983 2 Division
nd

Professional Certifications
 Advanced Commercial Lending, IFS School of Finance, 2011
 Associate of Chartered Institute of Bankers(ACIB), Institute of Financial Services (UK), 1997
Other Relevant short Courses Undertaken
 Relationship Management, CIAR Africa, Oct 2012
 Management Essentials, RogenSI, Oct 2012
 Risk Management Products, ABSA Capital, May 2012
 Advanced Negotiation Skills, Rogen SI, Jun 2011
 Credit Assessment Skills Training, L& D Barclays Bank
 Performance Management, L& D Barclays Bank
 Leadership Edge, L& D Barclays Bank
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  Situational Leadership, L& D Barclays Bank
 Retail Credit Assessment Skills Training, L& D Barclays Bank

HOBBIES AND INTERESTS,

 Founder and Director, Suluhisho Afrika Trust - a charitable organization that helps support needy children from different parts of Kenya by paying
their high school fees,
 Board member Kipkeino Foundation,
 Treasurer, LCC Ladies group,
 Swimming, Traveling and Reading

Publication:
 Thesis on impact of human capacity building on performance of small and micro enterprises in Kisumu municipality,

Mr. Eric Sila, Mr. Tom Mwakwida, Dr. Dinah Chebet Tanui,
Deputy Director Credit Risk, Director Operations, Deputy Registrar,
NIC Bank Kenya Ltd, Barclays Bank Kenya Daystar University,
P.O Box 292-00517, NAIROBI, KENYA P.O. Box 20120, NAIROBI, 00100, KENYA P.O Box 17168-00100, NAIROBI ,KENYA
Mobile +254 (0)722775617 Mobile +254 (0)728 608528
Email:eobegi@yahoo.com Email:tom.mwakwida@barclayscorp.com Email:dinatanui@gmail.com