Utilize technology data to drive business growth both locally and internationally.
To contribute to the advancement of organization’s full potential of generating both short term and future profitability.
To bring my skills and experience in driving stakeholder value with innovation and energy.
To interface with both internal and external customers, and work with teams and use ICT software applications to enhance work flow systems, automations, customer experience, operational efficiency and team engagement.
To work with cross-cultural, internal and external teams to implement and oversee product sales strategies/innovation, business projects and operational changes aimed at stretching the limits.
To set and exceed expectations in Financial budgets, customer experience, operational controls and Human Capital leadership.
Adept at new market establishment, market penetration and station start up in Kenya, Uganda and Rwanda.
Over 20 years’ progressive leadership experience in Consumer & SME Lending, technology innovation with Fintech, Bank Operations and Corporate Relationship Management with blue chip, and dynamic financial services organizations.
Demonstrated successful traction in targeted market development and sales growth.
Solid leadership skills; able to build and guide top-performing teams across sales, operations, lending and marketing. Highly developed planning and organizational skills.
Excellent communication skills, familiar with multi-cultural environments and with an appreciation of cultural and gender diversity issues.
Accomplished in the following areas:
Established through consultancy services, a successful SME lending institution in Kenya with total balance sheet size of USD 4M within a year.
Successful deployment of technology systems i.e Core Banking System, Credit Scoring engine, Automated client and loan origination platforms, Data Analytics at GTBank and Okoa Finance companies.
Retail banking with focus on consumer and SME lending driven by latest technological innovation. Developed retail arm of GTBank in Kenya, Uganda and Rwanda with focus to mobilizing affordable cheap retail deposits and enhance Non funded Income.
Planning, design, coordination and leading of teams, product development, sales and customer relationship management activities encompassing cross-cutting issues.
Excellent Networking, pro-active partnership framework identification, partnership development and human capacity development.
Expert knowledge of business acquisition and marketing systems, the challenges and opportunities facing the systems and an understanding of customer and market specific issues in the today’s competitive world.
Overview
22
22
years of professional experience
Work History
Business Consultant, Director
Loanspur Limited
09.2019 - Current
Developed complete business plans and operational strategies for new and existing business.
Performed as consultant for startup business in areas of marketing, logistics, and training to various behavioral healthcare service professionals.
Established and maintained relationships with key stakeholders for growth opportunities and successful partnerships.
Led restructuring of organization internal processes, resulting in improved performance.
Let project teams in establishing new software stacks for Financial institutions.
Advised on best practices for human resources management, improving staff morale and productivity.
Built strong relationships with clients by consistently delivering actionable insights.
Group Chief Executive Officer
Okoa Finance Limited
09.2014 - 01.2019
Reporting to the Board of Directors, I am tasked with the responsibility of driving growth of the Non-Banking institution in changing lives and livelihoods of target MSME clients profitably.
Through technology, I have been able to mobilize resources to launch Mobile based Account origination platform, Loan scoring and origination system & Mobile Money Bulk processing systems.
I have mobilized over 120,000 active clients within 3 years.
Grown SME loans portfolio from zero to USD 4M with an average PAR of 3.1%.
Led team of 100 staff in growing the lending institution.
Operational efficiency through technology has reduced our operational costs by over 60%.
Expanded physical branch network and introduced more virtual branches to enhance customer experience.
Head of Retail Banking
Guaranty Trust Bank Ltd
03.2012 - 08.2014
Reporting to Managing Director- EA, responsible for growth of retail & Liability business in the Bank in Kenya, Uganda & Rwanda.
Formulates and lead the Bank’s countrywide EA strategy for Electronic banking business, transactional business, including the building of a strong liabilities team.
Member of AlCo in EA.
Develops new customer retail products, and capitalise on existing deposit products and services, and the bank’s present and future network of branches and other delivery outlets.
Focus on building the Banks transactional banking business through the acquisition and development of quality transactional services aimed at increasing NFI.
Develops and implement appropriate action plans to increase market share, lower cost of funds, and achieve transactional revenue to the desired level.
Network across the broader stakeholder group (Nigeria, Uganda and Rwanda in addition to Kenya) to leverage and identify business opportunities.
Develop a portfolio of high net worth clients, with the objective of catering to their investment requirements through a range of financial investment products and strategies.
Senior Relationship Manager (Electronic Banking)
Co-operative Bank (k) Ltd
09.2010 - 03.2012
Reporting to Chief Manager – Electronic Banking, responsible for 13 RMs generations of commissions (NFI) through SBUs by offering cash management product portfolio to Corporate Clients.
Delivered net commission income from Bulk payments, Direct Debit & Mobile collections of Ksh 51M within one year as an individual and Ksh 600M with the team.
Led a team of Relationship Managers in the country to achieve exceptional performance in promoting Electronic Banking products & Building Liabilities.
Continuously engaged, led, trained and motivated branch teams in focusing on the NFI stream.
Generated Leads from other SBUs to support my team in generating increased business acquisition.
Made e-banking product presentations and demonstrations both to internal & external corporate customers.
In conjunction with IT, ensured clients are adequately trained after the installation of the e-banking software.
Managed client relationships that encouraged cross selling other Bank products and solved any IT technical issues that arose.
Continuously analyzed clients’ needs for development/introduction of more e-banking solutions to ensure that the Bank has a competitive edge against its competitors.
Continuously monitored competitor activities to ensure that we maintain & expand our share of the market at the same time, countering their actions appropriately.
Senior Relationship Manager- Corporate
Equity Bank (k) Ltd
09.2009 - 09.2010
Reporting to the Director- Marketing & Product Development, responsible for Mobilizing deposits through deployment of E Banking channels.
Business Development Manager
African Banking Corporation Limited
03.2007 - 02.2009
Reporting to the Head-Retail Banking, responsible for leading bank staff in maintaining steady growth of Liability and Assets as well as adherence to operational policies and procedures.
Regional Sales Manager- Nairobi Region
Kenya Commercial Bank Ltd (KCB)
01.2006 - 01.2007
Reporting to the Country Head of Retail Sales, responsible for two hubs (12 branches), Moi Avenue branch and Stand Alone Hubs (North Eastern Branches).
Customer Advisor (CA)- Operations
Barclays Bank of Kenya Ltd
01.2003 - 01.2006
Reporting to the Retail Manager- Muthaiga Branch to support retail clients as Teller.
Education
Bachelor of Science - Computer Science
Jomo Kenyatta University of Agriculture & Technology
A-Class Fitter, Millwright at DAMUS LIMITED,SIS LIMITED,TRINWELD, D. Rampersad and Company Limited and other contractorsA-Class Fitter, Millwright at DAMUS LIMITED,SIS LIMITED,TRINWELD, D. Rampersad and Company Limited and other contractors
Credit Manager at Tata Capital Limited (Tata Motors Finance Limited Merged with Tata Capital Limited)Credit Manager at Tata Capital Limited (Tata Motors Finance Limited Merged with Tata Capital Limited)
Sap Hana Module User, Oracle ERP User at Adarsh Marketing, Asian Paints Limited ,Berger Paints India Limited, JSW Paints Private LimitedSap Hana Module User, Oracle ERP User at Adarsh Marketing, Asian Paints Limited ,Berger Paints India Limited, JSW Paints Private Limited