Summary
Overview
Work History
Education
Skills
Certification
Languages
Accomplishments
References
Timeline
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Esther Wairimu Mwangi

Summary

I am a finance and business development professional with over 10 years’ experience helping businesses, especially in manufacturing, logistics, and services,access structured credit and build financially sound growth paths. I specialize in analyzing company financials, understanding industry trends, and designing practical, performance-aligned investment and credit solutions.


My career has spanned both banking and mobility sectors, giving me a strong understanding of how capital flows into real sectors and what it takes to structure deals that are commercially viable and socially impactful. I work directly with entrepreneurs, SMEs, and institutional partners to translate financial data into strategies that create long-term value, for both business growth and development outcomes.

Overview

11
11
years of professional experience
1
1
Certification

Work History

Credit Manager

African Banking Corporation Bank
01.2025 - Current
  • Lead financial analysis and credit reviews to assess company and project financial soundness.
  • Develop scenario-based models to inform structuring of sustainable repayment plans.
  • Work closely with clients to gather operational and ESG data to support risk assessments.
  • Prepare high-quality internal reports and memos to guide investment decisions.
  • Apply lessons from prior restructurings to strengthen future credit structuring strategies.
  • Prepare investment and credit proposal, synthesizing key insights for internal stakeholders and decision-making.
  • Design realistic restructuring plans for distressed accounts, integrating ESG risks when applicable.
  • Guide clients through documentation and analysis processes to ensure sound credit decisions.
  • Collaborate with internal teams to improve credit approval quality and risk mitigation strategies.

Business Development Manager

BasiGo Ltd
05.2023 - 08.2024
  • Managed strategic partnerships with fleet operators and Public Transport SACCOs for electric buses within the transport services sector.
  • Supported the growth of a locally assembled electric bus product, with assembly operations based in Kenya.
  • Played a key role in the team that developed the pricing strategy and leasing model financing solution, incorporating ESG impact metrics to drive sustainable investment and promote electric bus adoption in Kenya.
  • Developed ROI models and cost-benefit analyses to support fleet operators’ transition to electric public transport.
  • Created data-driven sales collateral integrating market research, financial projections, and sustainability impact.
  • Achieved a 40% increase in client bookings through targeted, finance-led solution selling.

Relationship Manager

African Banking Corporation Bank
08.2018 - 04.2023
  • Managed a portfolio of 100+ SME clients in manufacturing, logistics, healthcare, and education.
  • Conducted financial needs assessments, structured loans, and managed disbursement pipelines.
  • Regularly analyzed client performance to recommend restructuring, top-ups, or cross-sell solutions.
  • Delivered 95% client retention by providing advisory support tailored to sector realities.
  • Tracked loan utilization and repayment patterns to flag early signs of distress.

Credit Analyst

Kingdom Bank
07.2014 - 07.2018
  • Reviewed credit applications for SMEs in trade, light manufacturing, and services.
  • Built financial models to evaluate project sustainability and repayment feasibility.
  • Prepared detailed credit proposals with supporting market insights and risk flags.
  • Maintained compliant, audit-ready credit files in line with CBK standards.
  • Supported frontline staff with structuring guidance and pipeline monitoring tools.

Education

Bachelor of Commerce - Finance & Banking

Laikipia University College
01.2012

Skills

  • Financial Modeling (Comparables, Scenario Analysis)
  • Credit & Risk Assessment
  • Market & Industry Research
  • Portfolio Monitoring & Performance Tracking
  • Development Impact & ESG Data Collection
  • Investment Proposal Writing & Presentations
  • Data Synthesis & Visualization
  • Client Relationship Management & Stakeholder Engagement
  • Policy development

Certification

Chartered Credit Analyst, Global Academy of Financial Management, 2016

Languages

English – Fluent
Kiswahili – Native

Accomplishments

  • Led data-driven recovery strategy that resulted in the recovery of KES 51 million in distressed credit (2025) at African Banking Corporation Bank.
  • Structured and monitored financing for SME clients in manufacturing, logistics, healthcare, and education at African Banking Corporation Bank.
  • Drove adoption of electric mobility services among public transport SACCOs, contributing to BasiGo’s commercial success.
  • Contributed to pitch development and financial proposals aligned with ESG and development impact metrics at BasiGo Limited.
  • Developed client insights that informed product development, pricing, and development-aligned decision-making at BasiGo Limited.
  • Developed and applied financial models and benchmarking tools to assess over 100 SME clients and investments at BasiGo Limited.

References

Available upon request.

Timeline

Credit Manager

African Banking Corporation Bank
01.2025 - Current

Business Development Manager

BasiGo Ltd
05.2023 - 08.2024

Relationship Manager

African Banking Corporation Bank
08.2018 - 04.2023

Credit Analyst

Kingdom Bank
07.2014 - 07.2018

Bachelor of Commerce - Finance & Banking

Laikipia University College

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Esther Wairimu Mwangi