Summary
Overview
Work History
Education
Skills
Accomplishments
PUBLICATIONS
Timeline
Generic
JOHN KARIUKI

JOHN KARIUKI

Senior Banker
NAIROBI

Summary

Accomplished senior banking executive with over 12 years’ experience in project structuring, execution, portfolio management, and strategic leadership across diverse financial products. Proven record of leading multi-disciplinary teams, driving complex transactions through the full life cycle, and delivering sustainable growth. Skilled in credit analysis, stakeholder management, and business development within development finance, commercial banking, and digital lending. Adept at policy dialogue and aligning banking solutions with economic development priorities.

Overview

13
13
years of professional experience
1
1
Language

Work History

Senior Manager – Digital Financial Services

Kenya Women Microfinance Bank
06.2024 - Current
  • Spearhead the bank’s digital financial services strategy, integrating mobile banking, agent networks, and digital lending solutions to enhance client access and retention.
  • Lead cross-functional teams in developing and executing digital product roadmaps, ensuring compliance with regulatory frameworks and alignment with business growth targets.
  • Oversee strategic partnerships with fintechs, telcos, and payment service providers to drive innovation and expand the bank’s service offering.
  • Monitor digital channel performance, applying data analytics to improve efficiency and customer satisfaction.
  • Established strong relationships with clients and stakeholders, ensuring long-term partnerships and repeat business.
  • Implemented and developed operational standards, policies and procedures.
  • Consistently met or exceeded annual performance targets set by senior leadership.
  • Managed large-scale projects and introduced new systems, tools, and processes to achieve challenging objectives.

General Manager – Bank Operations

Pwani Zone
06.2022 - 05.2024
  • Directed operations, sales, and support functions for 30 branches across 5 counties, delivering sustained profitability and market share growth.
  • Managed budgets, forecasting, and performance monitoring, ensuring operational efficiency and regulatory compliance.
  • Developed and implemented client engagement strategies to deepen relationships and cross-sell financial products.
  • Mentored and coached branch leadership teams, fostering a high-performance culture.
  • Monitored financial performance, set budgets and controlled expenses to provide financial stability and long-term organizational growth.
  • Developed and implemented strategies to increase sales and profitability.
  • Oversaw successful launch of new product lines, coordinating between departments to ensure unified approach and timely delivery.
  • Pioneered corporate social responsibility program, building community engagement and enhancing brand reputation.

Senior Manager – Digital Lending (Head Office)

03.2020 - 05.2022
  • Designed and implemented national digital lending growth strategies, increasing portfolio volumes while maintaining NPLs within target.
  • Led automation and process reengineering to enhance customer onboarding, approval turnaround, and satisfaction.
  • Managed cross-functional teams to deliver policy, system, and product enhancements, ensuring full compliance and efficiency.
  • Conducted market analysis to guide innovation and maintain competitive edge in the digital lending segment.

Sales Channel Manager – Current Accounts

03.2018 - 03.2020
  • Oversaw acquisition and retention strategies for current accounts, improving deposit mobilization and transaction volumes.
  • Developed and trained high-performing account management teams.

Agent Banking Sales Manager

09.2016 - 02.2018
  • Expanded agent banking network, improving financial inclusion and accessibility in underserved areas.

Agent Banking Officer

11.2014 - 08.2016
  • Managed agent network performance and compliance.

Business Development Officer

11.2012 - 10.2014
  • Originated SME and retail banking business, building lasting client relationships.

Education

Master of Science - Finance – Project Management

Jomo Kenyatta University of Agriculture And Technology
NAIROBI
04.2001 -

Bachelor of Commerce - Finance

Jomo Kenyatta University of Agriculture And Technology
NAIROBI
04.2001 -

Skills

  • Project Structuring & Execution
  • Credit Analysis & Financial Modelling
  • Portfolio Monitoring & Value Creation
  • Policy Dialogue & Regulatory Engagement

    • Project planning and development

    Strategic planning

Accomplishments

  • Led operational transformation across 30-branch zone, delivering sustained profitability growth.
  • Designed and launched national digital lending strategies, expanding portfolio while maintaining low default rates.
  • Negotiated and structured high-impact financial products tailored to regional market dynamics.
  • Coached and mentored multiple teams, producing future leaders within the organization.

PUBLICATIONS

Factors Influencing the Adoption of Internet Banking in Kenya, International Organization of Scientific Research-Journal of Business and Management, Vol.16, Issue 9, 09/01/14

Timeline

Senior Manager – Digital Financial Services

Kenya Women Microfinance Bank
06.2024 - Current

General Manager – Bank Operations

Pwani Zone
06.2022 - 05.2024

Senior Manager – Digital Lending (Head Office)

03.2020 - 05.2022

Sales Channel Manager – Current Accounts

03.2018 - 03.2020

Agent Banking Sales Manager

09.2016 - 02.2018

Agent Banking Officer

11.2014 - 08.2016

Business Development Officer

11.2012 - 10.2014

Master of Science - Finance – Project Management

Jomo Kenyatta University of Agriculture And Technology
04.2001 -

Bachelor of Commerce - Finance

Jomo Kenyatta University of Agriculture And Technology
04.2001 -

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JOHN KARIUKISenior Banker