CV Sample
CV Sample
Profile Summary
Microfinance Expert and Chief Executive Officer with over 18 years in the Microfinance Sector. Co-
founded Macro-Cap Holdings in 2014 and grew it in 5 years from negative to a portfolio of over
Kes. 1.2 billion and 60,000 customers served by 83 outlets and 413 staff.
Strong experience in corporate governance, business strategy development, customer relationship
management and streamlining micro-finance business operations.
Extensive experience in initiating, incubating and institutionalizing micro-finance institutions locally
and regionally. Grew South African based Real People Microfinance from scratch to portfolio of
over $30,000,000 million in Kenya, Uganda, Tanzania, Malawi and Botswana in 3 years.
Known for developing brilliant micro-finance risk management models, instituting internal controls
and compliance with micro-financing policies, procedures and reporting systems.
Expert in research and developing strong microfinance products and models. Developed credit
model that turned around KWFT Western Kenya branch from debt of kes.24 million to Kes.
1,000,000.
Instrumental in developing automated micro-finance management systems. Warn Tony Elumelu
Entrepreneurs Award for presenting an innovative credit management model; Germany Industry and
Commerce Award for developing a Dairy mobile app for milk farmers to help farmers track and
account for milk production and sales.
Areas of Expertise
Work Experience
May 2015 to date: Group Chief Executive Officer, Micro-Cap Holdings Limited
Key Achievements
Led Macro-cap Holdings growth from negative to current portfolio of 1.2billion over a period of
5 years.
Developed products and credit models that have enabled successful credit and debt collection of
upto 85%
Build business strategy that has enabled rapid expansion from Nairobi headquarters to four
counties in Kenya (Eastern, Rift Valley, Central and Coast) with over 60,000 customers.
1
Currently drawing up strategies for regional expansion to Eastern Africa market staring with
Uganda in 2020.
Mainstreamed social protection in microfinance products and services to meet the needs of the
poorest in the community. Documented several success stories of poor SMEs and farmers who
grown from domestic farming to agribusiness.
Improved employee satisfaction currently at 86% through investing in training and development
and staff welfare and reinforcing a high performance mindset among staff and managers.
Build a strong customer relationship and service framework and started a call center through
which Macro-cap customers can reach out and get their needs addressed promptly.
Jan 2013 to April 2015: Head of Housing Microfinance-Africa Provident Ltd t/a Real People
Services Limited
Key Achievements
Conducted a thorough insight research on customers’ needs within Eastern Africa Region which
informed product development and expansion into 3 markets.
Developed Eastern Africa business strategy using research findings.
Designed, constructed and pilot Housing Finance Product.
Built a competitive financial model for Housing finance product
Sept 2009- Dec 2012: Regional Products & Marketing Manager- Eastern Africa: African
Provident ltd t/a Real People services
Key Achievements
Planned, coordinated and delivered new products including Micro-enterprise Loans, Education
Loans, SME loans and Housing construction Loans
Actively built and successfully drove Risk mitigation tools i.e. Customer score card and
psychometric test.
Proficiently created call center capabilities, documentation, and designed a Call Center structure
Developed East Africa business strategy which led to successful expansion of Real People to
Tanzania, Malawi and Kenya and grew 12 branches within 3 years.
Mar 2008-Aug 2009: Head of Microfinance Unit: Mwalimu Sacco Society Ltd
Key Achievements
Designed, constructed and managed microfinance business from foundation
Delivered a successful business model within timelines and budget guidelines.
One of led management team that drove internationally recognized standard for the quality
management (ISO 9001-2008)
Mar 2006 – May 2006: Unit Manager: Kenya Women Finance Trust ltd
Key Achievements
Achieved risk “free” loan portfolio (zero arrears) in the entire institution.
Delivered additional three new branches within a year.
Instrumental in establishing and running Youth enterprise funds
Implemented institutional transformational changes from credit only to Deposit taking (DTM)
Led a team of 25 loan officers to achieve setup targets and budgets
Provided comprehensive customer support through performance of a variety of spot checks and
customers feedback activities
2
Mar 2002- Dec 2004: Business Development Officer: Kenya Women Finance Trust ltd
Key Achievements
Achieved individual targets of outreach, portfolio volume and portfolio quality as per agreed
numbers month on month.
Ensured on time and accurate maintenance and submission of all relevant records & reports of all
clients as well as internal branch records
Trainings
REFEREES
Available on Request