- Founded Treasure brook which is strong on testing models for finacing the economically active poor . so far, three models have been concept proven and are being scaled up. these include the Rent to own model for asset acquisition, the produce backed lending to farmers (Factoring and ware house receipts lending and the social capital backed working capital loans (micro third party guarantee).- Consultancy works supporting more than 15 financial institutions to make their strategies, review products, refocus their internal systems for better operational efficiency and higher profitability and capital raising.-Managed TBI to achieve profitability, impact and build important networks for future growth.

• In charge of Financial sector relationships, inclusive financial product development for Micro finance Banks, Development financial institutions, Cooperatives, insurance, strategy development, partnership development, models development and Due Diligence. • Team Leader for the IFAD/Government of Kenya funded Programme- THE PROGRAMME FOR RURAL OUTREACH OF FINANCIAL INNOVATIONS AND TECHNOLOGIES (PROFIT) with the main responsibility of developing strategy for financial sector clients, providing advisory in capital raising, expansion and restructuring. • Liaison for client relationships, partnership, coordination and policy advocacy in the region.• Lead Commercial due diligence for clients.• Provide advice for interested investors including bank acquisitions, capital injection and debt instruments negotiations. • Participate in several social due diligence especially in micro finance in collaboration with other professionals.- coordination and mentor-ship in the accelerator programs managed by BDO E.A*Retained to work on a contractual basis as needed.

• Country Team Leader for a Global Communities USAID funded cooperatives ad SMEs program (EMIRGE).- Lead consultant for CIDR/AGRA/IFAD responsible for mapping out 300+ SMEs in Kenya.-Lead consultant for mapping out more than 300 SMEs focusing on agriculture in Kenya, - Associate Consultant in a team focusing on agriculture and Agri-value chains for Global Communities AIMS and EMIRGE programs• PRIDE Tanzania - design value chain based rural finance windows in 13 branches on dairy,horticulture, grapes, rice and spices value chains in Tanzania.• CIDR - feasibility studies for setting up investment Fund in E.A. providing global overview of SMEs funding needs in E.A.• Supported Mombasa County Gov. to organize a round table public participation forum with SMEs with aim to build a relevant investment policy by the county gov. Over 110 SMEs participated. Policy developed and now approved.• IFAD and The National Treasury - provided Business support services to Faulu and AFC Kenya by assisting to re-engineer and innovate their credit systems, MIS operations, and product design, strategy formulation. These efforts resulted in loan book of over 800 M in Faulu; 2.4B in AFC. • Deloitte - lead consultant-, under the PROFIT program, to build the capacity of Rafiki Micro Finance Bank and develop strategy, key products and means to increase operational efficiencies for the micro finance bank. The Factoring product has since realized over Kshs 2.5 Billion in cumulative disbursements.• Assisted Makueni County Gov. to determine pubic investment priorities with focus on agriculture, cooperatives and financial inclusion models which have become sterling bench marking programs in Kenya.• Designed turn around strategies for several organizations including Jitegemea Credit Scheme (MFI-K), Mali Micro Finance, Treasure Brook Leasing Co. among others.• Trained over 140 micro finance professionals across Africa through Annual School of African Microfinance (SAM).

• Established and grew this Micro Finance company from zero clients to over 13,000 clients with cumulative disbursements of $8M.• Raised funds from Impact Investors such as Micro-Vest of USA, Oiko Credit of Netherlands, assisted by Development Credit Alternatives (DCA) to raise $ 200,000 credit from Equity bank, Kiva Micro funds where we raised over $1.5M and grants from USAID programmes. • Raised commercial debts and direct investments from private investors.• Designed Milango as a SHF, women and youth friendly micro finance company which later attracted impact investors like Kiva, Oiko and another USAID –FIRM project to invest significantly.• Led company to become a member of the Association Micro Finance Institutions (AMFI) of Kenya; interacted with/and influenced the entire micro finance fraternity of Kenya.

• Conducted commercial and social Due Diligence on 8 financial institutions in Kenya, Ethiopia and Tanzania which informed the investment, level of engagement between CIDR and those institutions.• Lead Consultant supporting PRIDE Micro Finance Bank of Tanzania to establish Rural Finance Windows targeting agricultural players in the value chain across 13 regions in Tanzania• Conducted sessions and documented Pre-Due Diligence of 10 Agri SMES, in Kenya and Tanzania, on behalf of PARIIF Fund with the aim to select 4 to go into full Due Diligence for an investment of $25M. •Led capacity building initiative to assist a farmers SACCO in Kisii Kenya to establish a Micro finance department which has become thrice as big as the entire Sacco and now spanned out to be established as a micro finance bank belonging to the SACCO. Already, external investors have committed funds to this capital injection. • Assisted to review and revamp a repositioning strategy for the organization (CIDR) with a clear focus towards impact investing as the new main strategic focus. The main beneficiaries hoped to be women, youth and SMEs. • Participated in the development of 2 project proposals one for a $200M investment into PRIDE TANZANIA by Financial Sector Deepening Trust (FSDT) which was funded and currently awaiting another proposal written to AFD for funding of financial institutions through grants, debt and equity or a mix.* Retained to work on a contractual basis as needed.Retained to work on a contractual basis as needed.

Rose within the ranks from Credit officer, Senior officer, Branch Manager and Regional Manager in charge of over 60 staff, 20,000 clients and disbursed over One Billion Kshs per year.- Was the founding manager for deposit taking micro finance business in Kenya- Faulu was the first MFI to be licencee as a bank and i was leading the new business and model branch. - was consistently awarded for being the best Region in growth, quality portfolio and employee satisfaction.- Due to the above role, Faulu invested heavily to build my capacity by taking me to learn in Asia (Philippines and Indonesia) where I accumulated invaluable global view of micro finance and financial inclusion.