Data and Credit Expert

Credit Portfolio Senior leader with 13 years of experience owning the full credit lifecycle — from underwriting and risk policy through to collections operations, delinquency management, fraud control, and field execution — in PayGo device finance, digital lending, and financial services across East Africa. Currently the Senior Credit Manager for Kenya at M-KOPA, one of Africa’s largest PayGo asset-finance fintechs, with direct accountability for portfolio health monitoring, credit policy, underwriting governance, pricing, pilot management, and Board/investor reporting. Proven ability to lead field and tele-collections teams, design targeted interventions for high-risk portfolio segments, and translate data insights into operational improvements. Developer of Kenya’s most widely used credit score (Metro-Score, 1M+ monthly queries) and pioneer of digital unsecured lending in Ethiopia. Adept at navigating complex regulatory environments and engaging stakeholders from field agents to board level.