MOSES MBAYA
NAIROBI
Summary
Experienced Data, AI, and Digital Transformation leader with over 15 years of progressive experience delivering enterprise-scale data platforms, AI governance frameworks, financial technology systems, and analytics-driven transformation programs across telecommunications, banking, agriculture, energy, and development sectors. Proven track record in designing and implementing credit scoring systems, fraud detection platforms, enterprise data warehouses, and large-scale data integration architectures supporting millions of users and transactions across East Africa and beyond. Strong expertise in building scalable data ecosystems, enabling predictive analytics, and leading responsible AI adoption through governance frameworks, ethical AI policies, and data-driven decision-making structures. Recognized for translating complex data and AI capabilities into business value, operational efficiency, and financial inclusion outcomes across multi-country environments.
Overview
17
17
years of professional experience
Work History
HEAD OF IT & DIGITAL TRANSFORMATION
Jaguar Petroleum
02.2024 - Current
- Leading enterprise-wide digital transformation, automating approximately 85% of business processes across operations and commercial functions.
- Drove development of digital products such as Fuel-as-a-Service, Gas-as-a-Service, and Universal Fuel Card platforms to enhance service offerings and customer engagement.
- Managed IT strategy, enterprise architecture, and technology investment planning with budget oversight to align technology with business goals.
- Led modernization initiatives to enhance operational efficiency, elevate digital capability maturity, and facilitate data-driven decision-making across the organisation.
- Developed and implemented the organization’s Artificial Intelligence Governance Policy, defining responsible AI usage, model governance, ethical standards, and compliance controls.
SENIOR MANAGER – DIGITAL FINANCIAL SERVICES (T-KASH)
Telkom Kenya
06.2020 - 02.2024
- Led digital financial services strategy for mobile money ecosystem serving over 4 million subscribers.
- Designed and delivered T-Kash enterprise data warehouse processing approximately 4 million transactions daily, enabling analytics, fraud detection, and executive reporting.
- Implemented fraud detection and risk analytics capabilities, enabling proactive identification of suspicious transaction patterns to safeguard financial transactions.
- Designed and implemented credit scoring and loan integration systems, enhancing access to financial services through integration with government-led financial inclusion programs like Hustler Fund.
- Architected scoring engine for Telkom–Sidian Bank lending product enabling automated credit decisioning at scale.
- Led architecture design for BomaYangu Affordable Housing digital platform, facilitating national housing digitization initiatives.
BUSINESS ANALYST – EAST AFRICA REGION
ECOM Agroindustrial
05.2014 - 06.2020
- Led implementation of end-to-end coffee traceability system (farm-to-cup) supporting global supply chain transparency and compliance.
- Facilitated commercial agreements with global brands including Starbucks and Nestlé by developing data-driven traceability and reporting systems.
- Designed and supported regional enterprise data warehouse and reporting platforms, enhancing executive decision-making and operational visibility.
- Delivered operational efficiency improvements of approximately 15% through structured reporting and analytics adoption across business units.
- Supported enterprise operations and digital transformation across Kenya, Uganda, Tanzania, Rwanda, and Ethiopia, standardising data and reporting frameworks regionally.
SYSTEMS ENGINEER
Deloitte & Touche
08.2011 - 04.2014
- Developed automation systems for 14 cooperative societies and 54 wet mills, impacting approximately 100,000 farmers.
- Implemented financial management modules to streamline farmer payments, cooperative accounting, and reporting processes.
- Supported digital transformation of agricultural value chains, promoting transparency and increasing financial accountability.
- Contributed to World Bank-funded agricultural digitisation programme, enhancing support for coffee farmers across Kenya.
CONTRACT SYSTEM ARCHITECT
Mobile Decisioning
10.2010 - 12.2010
- Solution deployed at Airtel Nigeria serving approximately 27 million subscribers, supporting large-scale telecom decisioning systems.
- Produced technical architecture diagrams and a modernization roadmap, facilitating improved scalability and maintainability for the telecom decisioning systems.
- Designed modernization architecture to migrate legacy LISP system to Java-based object-oriented framework, enhancing system performance and adaptability.
SOFTWARE DEVELOPER
Eclectics Kenya
01.2010 - 09.2010
- Developed banking and financial systems, including Cheque Image Clearing System, enhancing transaction processing efficiency.
- Supported ATM switch bridge solutions for national payment infrastructure (KENSwitch ecosystem), ensuring seamless transaction processing.
- Contributed to Credit Reference Bureau systems adopted by NIC Bank, Ecobank, and Prime Bank, facilitating improved credit assessments.
SOFTWARE ENGINEER INTERN (QA & SUPPORT)
Software Technologies Ltd
01.2009 - 12.2009
- Conducted QA testing and provided customer support for enterprise HRMS platform serving 32 banks and 17,000+ employees in Kenya, enhancing user experience.
- Assisted in testing and validating second release of eHorizon HRMS system, contributing to improved software quality.
- Delivered client support for HR and loan management modules, ensuring system reliability and facilitating user adoption.
Education
Bachelor of Science - Computer Science
Kabarak University
Nakuru06-2026
Skills
- AI strategy
- AI/ML enablement
- Fraud Detection & Risk Analytics
- Credit Risk & Scoring Systems
- Enterprise Data Architecture
- Data Integration & ETL Pipelines
- Data Engineering
- Predictive analytics
- Business Intelligence & Analytics
- Cloud Platforms
- Governance
- Data governance
- Enterprise & Regional Data Standardization
- Stakeholder & Executive Engagement
- Multi-country Program Delivery
- Team Leadership & Capability Development
- Programming
- Databases
- Cloud
- BI Tools
- AI/ML
NOTABLE ACHIEVEMENTS
- Hustler Fund Credit Scoring Integration, Contributed to national credit scoring ecosystem enabling financial inclusion for underserved populations.
- T-Kash Fraud Detection Platform, Built enterprise data warehouse enabling real-time fraud detection and transaction monitoring at scale.
- ECOM Agroindustrial Data & Traceability Platform, Enabled multi-country coffee traceability supporting global supply chain contracts.
- AI Governance Framework, Developed enterprise AI policy covering ethics, bias mitigation, explainability, and compliance.
- BomaYangu Housing Platform, Supported architecture design for national affordable housing digital ecosystem.
References
- Alice Gathuku | Human Resource Manager | ECOM Agroindustrials 0722781329
- Damaris Musinguzi | Manager - Digital Finance Systems | Central Bank of Kenya 0729658112
- Niceta Nduku | Software Developer | Inkomoko 0714960172
Timeline
HEAD OF IT & DIGITAL TRANSFORMATION
Jaguar Petroleum
02.2024 - Current
SENIOR MANAGER – DIGITAL FINANCIAL SERVICES (T-KASH)
Telkom Kenya
06.2020 - 02.2024
BUSINESS ANALYST – EAST AFRICA REGION
ECOM Agroindustrial
05.2014 - 06.2020
SYSTEMS ENGINEER
Deloitte & Touche
08.2011 - 04.2014
CONTRACT SYSTEM ARCHITECT
Mobile Decisioning
10.2010 - 12.2010
SOFTWARE DEVELOPER
Eclectics Kenya
01.2010 - 09.2010
SOFTWARE ENGINEER INTERN (QA & SUPPORT)
Software Technologies Ltd
01.2009 - 12.2009
Bachelor of Science - Computer Science
Kabarak University