The expert has amassed extensive experience in the international development sector, specializing in microfinance, banking, SME & private sector development, finance & accounting, as well as risk management, including insurance. With a distinguished career initiated as the head of finance at a commercial bank, the expert progressed to a 12-year consultancy in financial institution risk management, microfinance, and SME finance.

The expert has collaborated closely with international funding organizations, notably the Bill and Melinda Gates Foundation, Financial Sector Deepening Trust, the World Bank, USAID, and IFC. This collaboration facilitated meaningful projects across Africa, including Kenya, Uganda, Tanzania, South Africa, Nigeria, and Ethiopia.

The primary sectors of the expert's expertise include microfinance, SME finance, and risk management. As a director and team leader, the expert has assumed key leadership roles, directing numerous projects and engagements with noteworthy international organizations.

Notable achievements include leading the development of a risk management framework for a Zambian financial institution, conducting comprehensive country financial inclusion studies across East Africa for MasterCard, and developing regulatory guidelines for credit unions in Kenya.

The measurable impact of the expert's work is evident in several strategic initiatives, such as enhancing financial inclusion for MasterCard Labs, contributing to improved agricultural SME lending strategies in Kenya and Ghana, and capacity-building for various financial institutions across Sub-Saharan Africa.

Technical and professional skills of the expert encompass financial accounting, risk management, strategic business planning, portfolio evaluation, credit product development, and pilot testing. The expert is also adept in training and delivering technical assistance in multiple toolkits focusing on microfinance market research, process reengineering, and risk management.

Fluent in English and Swahili, with proficiency in French and Dutch, the expert holds relevant educational credentials, including a Master of Science in Finance from the University of Strathclyde. The expert is a member of the Association of Chartered Certified Accountants (ACCA) and possesses several certifications from the Frankfurt School of Finance & Management, further reinforcing their expertise and professional standing.