LendXS Is a fintech platform of Financial Access that offers a low cost, high impact digital credit solutions to Micro Financial Institutions, Commercial Banks, Agricultural and commodity companies within the agricultural value chain. The platform’s key value proposition Is to reduce cost and risk in rural and smallholder lending while mitigating the impact of climate risk on their lending portfolios. This is achieved through a climate risk scoring that assesses and quantifies the impact of climate risk (drought, temperature change, flooding) on the income and cash flows of smallholder farmers.As a Team Lead and Product Manager, I am currently in charge of Leading the LendXS team in developing and overseeing an integrated Product development strategy that encompasses defining the product roadmap and delivery of the digital solutions.

I am currently in charge of development and implementation of the product roadmap and rallying the agile cross-functional teams comprising of developers, designers, researchers, data scientists and implementation teams.I have successfully led the agile team in concept discovery, scoping of user requirements, design of mockup wireframes, user journey mapping, testing and implementation of below solutions; 1. Climate Scoring Tool - A digital tool that leverages on climate data to score the risk level of farmers based on a number of climatic hazards. 2. MSME Scoring Tool -A digital tool for collection of data for the informal small, medium and Micro Enterprises and providing a credit score based on a developed proprietary model. 3. Customization and implementation of data collection, credit scoring and workflow management for 5 financial Institutions in East, West & Southern Africa.

•Participated in all phases of the technical development projects, starting from discovery to UAT and production.•Elaborated business requirements, created artefacts and stored in Requirements Catalogue – business requirements, functional designs, user stories, process workflow and data diagrams.•Participated in the workshops and working sessions with business and technical teams, collaborated with CDO, developers and QAs/testers.•Prepared technical development specifications and plans for sprints, support demos and UATs.

Superfluid Labs is a Data Analytics and Artificial Intelligence company that unlocks data-driven insights and innovation consultancy for enterprises and organizations in Financial Services, Clean Energy, Tech Startups, Agri-Tech and Retail-Ecommerce.Roles & Key Achievements•Led the scoping and delivery of bespoke data led client projects by accurately interpreting clients’ briefs and conducting user research.•Conducted market research, identified use cases for data analytics & A.I and led growth and development of products.•Designed processes for implementation of digital lending and embedded finance concepts for clients in PAYGO, Financial Technologies & Online Retail Distribution.•Led penetration of Superfluid products into new markets through designing sales & marketing roadmaps.•Need assessment and solution proposals to client, Pricing proposals and defining sales metrics.

Key Achievements•Led products to market from concept, discovery, design iteration, development to launch. o BOA WEB - a Corporate & SME Internet Banking Platform. Led Migration of clients to the new platform, onboarded over 1,200 new clients within 8 months, Improved utilization to 80% by implementing a data-driven client engagement strategy and supported stabilization of the new platform and launch of new features. o Bulk Payment – A system for upload and processing of multiple payments (Salaries & Supplier payments) by use of either pesalink bulk module or mpesa B2C bulk payment. Conducted user testing, surveys and persona development. Roles & Responsibilities•Development of roadmaps, digital marketing strategies and documentation for new products.•End-to-end Digital Solutions launch activities that ensured timely and successful rollout; including working with multi-functional stakeholders on sales training, marketing communications, campaigns, promotions, etc.•Designed systems & procedures for change management in Business Operations. Mapped business processes and studied requirements, customized processes, solutions & products in line with the guidelines specified by clients.•Managed overall P&L of Digital Solutions and ensured revenue and margin targets were met.•Led growth in Fees and commissions from utilization of digital corporate payments solutions.•Retained customers through offering choice for Corporate Payment solutions.•Encouraged and promoted a customer-focused culture, ownership of objectives/problems until completely resolved to the customers’ satisfaction.•Conducted product training for various teams in the Bank and clients.•Supported 4 other products (Cards, Mobile, Merchants & Money Remittance) in development by conducting market research, designing campaigns and launch & implementation of new features.

Key Achievement•Designed a sales dashboard for monitoring onboarding and utilization of alternative delivery channels across the different regions.•Achieved over 70% penetration of digital channels, grew transaction volumes and consequently improved the bank’s non-funded income and non-interest bearing deposits. Roles & Responsibilities•In charge of driving registrations for all Bank’s digital products including Mobile Banking, Internet Banking, Bulk Payment Processing, Money Transfers, Agency such as Lipa Na Mpesa merchants, Cards, e-commerce etc.•Managed to drive utilisation of the Bank’s digital products and as a result an increase in commissions across all Alternative Delivery Channels (ADC) was recorded.•Involved in acquisition and retention of CASA/CATA deposits via ADC•Implemented Alternate Delivery Channel strategies for all Retail clients and as a result achieved effective channel use, sales revenues and customer satisfaction.•Facilitated cross selling of other banking products and comprehensively met client needs as well as widened the Bank’s income streams.•Portfolio Management: Grew Transaction business volume among Retail Banking clients and increased the Bank’s Market Share.•Supported the Branch Network in generating revenue from Sales & usage of Alternative Delivery Channels.•Managed to drive ADC and e-product sales initiatives and supported operationalisation of marketing strategies to boost sales.•Prepared proposals on pricing, promotions and cost reduction programs that met and maximised revenue targets.•Continuously undertook market situation analysis, understood customers’ businesses, anticipate their requirements and thereafter identified new business opportunities.•Continuous tracking & reporting of Sales Channel effectiveness and recommended remedial measures to fix identified gaps.•Executed product training programs to branch staff.

• Maintained high and unparalleled customer service standards at the branch by ensuring timely and accurate processing of customer instructions.• Ensured strict adherence to Branch cash limits, maintained custody of Vault, ATM cash and teller tills.• Reviewed Branch Operations through daily checking of general ledgers and reports.• Performed timely ordering, update, reconciliation and destruction of checkbooks, ATM cards and Pin mailers as per documented procedures.• Captured customer signatures & mandates for new and existing accounts.• Awarded as employee of the quarter in first quarter of 2018