Rose Muturi
About
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Chief Executive Officer - Branch NeoBank
Kenya
Résumé
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Board MemberAssociation of Microfinance Institutions Kenya AMFIKDec 2022 - Current (3 years 7 months)• Providing strategic oversight and leadership at the board level, representing the interests of Microfinance Banks and deposit-taking institutions in Kenya. • Advocating for the adoption of best practices in governance, regulatory compliance, and ethical conduct within the microfinance sector. • Actively participating in board meetings and strategic planning sessions to shape the future direction of AMFI-K.- Chief Executive Officer - Branch Microfinance BankBranch InternationalJan 2022 - Current (4 years 6 months)• Designed & Executed a bold strategic vision, aligning business objectives with long-term market opportunities. • Rolled out innovative marketing and PR campaigns, strengthening brand positioning and expanding market share. • Implemented budgeting and forecasting frameworks, ensuring financial stability and optimizing revenue streams. • Elevated the bank’s governance and compliance framework, fostering strong regulatory relationships. • Led high-impact stakeholder engagements, driving collaboration with investors and regulatory bodies.
- Managing Director, East AfricaBranch InternationalSep 2021 - Current (4 years 10 months)• Orchestrated the growth and stability of East Africa’s first Neobank, transforming digital financial services and expanding financial inclusion. • Led cross-functional teams in finance, marketing, operations, and compliance, ensuring seamless operations in a regulated environment. • Secured strategic partnerships with key players in public and private sectors, driving sustainable business growth. • Represented East Africa’s businesses on local and global platforms, positioning the brand as a leader in digital financial services. • Implemented a data-driven approach to decision-making, increasing efficiency and enhancing customer experience.
- Chief Digital Officer (CDO)HFC KenyaJun 2019 - Aug 2021 (2 years 3 months)Led the transformation of HF Group into a digitally agile financial institution, focused on expanding access to housing finance and retail banking through innovation, strategic partnerships, and digital product development. Key Achievements: • Pioneered Kenya’s first digital Home Ownership Savings Plan (HOSP) - Launched a revolutionary savings product designed to incentivize structured saving for home ownership, aligned with Kenya’s housing policy and targeting the underserved middle-income segment. • Scaled the HF Whizz Ecosystem - Implemented HF Whizz 2.0, enhancing the digital platform to one that enable customers to instantly access FX transfers, school fees loans, salary advance, bid bonds etc — unlocking financial agility for individu
- DFounder and ChairpersonDigital lenders Association of Kenya DLAKJan 2019 - Nov 2020 (1 year 11 months)• Orchestrated the launch of DLAK, bringing industry leaders together to advocate for sector-wide best practices. • Chaired regulatory discussions on digital lending, influencing the Data Protection Bill and ensuring consumer protection. • Led critical stakeholder engagements, positioning digital lenders as key contributors to financial inclusion.
- Regional Manager and Director - East AfricaTalaFeb 2017 - May 2019 (2 years 4 months)As Regional Head, I led Tala’s strategic growth and operations across East Africa, focusing on scaling mobile credit access, improving financial health, and deepening market impact. Key achievements: • Scaled Digital Lending Operations: Successfully expanded Tala’s mobile lending product across Kenya and East Africa, doubling customer acquisition while maintaining strong portfolio quality. • Pioneered Financial Health Frameworks: Championed the development of customer education and responsible lending frameworks that improved repayment behavior and deepened user trust. • Drove Data-Driven Decisioning: Leveraged alternative data and behavioral insights to enhance credit scoring models, reducing default rates and increasing approval efficienc
- Acting Country Manager and Executive Board MemberTransUnionApr 2016 - Jan 2017 (10 months)Provided strategic and operational leadership during a transitional phase, ensuring business continuity, client trust, and regulatory compliance in a highly sensitive data-driven environment. Key Accomplishments: • Stabilized Market Operations During Leadership Transition - Ensured seamless continuity in TU’s day-to-day operations, reinforcing customer and partner confidence during a period of leadership change. • Strengthened Regulator and Stakeholder Relationships - Engaged with key stakeholders including the Central Bank of Kenya (CBK), Credit Information Sharing Association of Kenya (CIS Kenya), and digital lenders to promote responsible credit reporting and align with evolving data protection laws. • Led Strategic Partner Engagements -
- Regional Director Products & Strategy (Kenya, Rwanda, Malawi, Zambia)TransUnionApr 2015 - Apr 2016 (1 year 1 month)Led regional product strategy and innovation across four African markets—Kenya, Rwanda, Zambia, and Malawi—shaping the credit information ecosystem and expanding financial inclusion through data-driven products. Key Achievements: • Launched Nipashe 1.0 and 2.0, enabling over 7.8 million Kenyans to access their credit bureau reports via SMS—democratizing credit awareness and building a foundation for responsible borrowing behavior. • Rolled out the first Basic and Advanced Credit Scoring Workshops across Kenya, Rwanda, and Zambia—training financial institutions in digitized credit assessment and fostering stronger risk management practices. • Spearheaded the launch of Credit Bureau Scores in both Kenya and Rwanda, significantly advancing the
- Pricing expert & Retail Banking Project Management LeadChase Bank Kenya Ltd IRFeb 2014 - Mar 2015 (1 year 2 months)Worked with McKinsey and Company Ltd. on Retail Banking as a Project lead from the local team. A few significant achievements: • Defined and designed the Retail Banking Customer Value Proposition (CVP) for the Retail. This led to a 1000% increase in monthly number of customers on-boarded since May 2014 and a 130% NFI (non funded income) YoY. • Worked with McKinsey and Co. Limited on the Retail Banking Strategy for Chase Bank. Strategically focusing on personal customers with a view to grow the bank into a full service consumer bank. • Implementation of the Retail lending policy. Defining the target segments and design of the Customer Value Proposition for Personal customers. • Launched the consumer banking app Chase Mfukoni as part of the
- CProduct Manager - All Bank ProductsChase Bank Kenya LtdAug 2013 - Jan 2014 (6 months)As Product Manager within the Retail Banking Division, I led the development and rollout of customer-centric financial products tailored to Kenya’s dynamic market. My role involved end-to-end product lifecycle management, cross-functional collaboration, and driving innovation to deepen customer engagement and grow deposits. • Developed and implemented the product strategy and marketing roll-out plans inclusive of marketing research and segmentation. • Execution of new product development as well as review and re-engineering of Bank products and services through stages of the product life cycle. • Development and implementation of annual product plans. • Research, design, and develop campaigns to increase product uptake and penetration in th
- Priority Banking Service Relationship ManagerStandard CharteredFeb 2012 - Jul 2013 (1 year 6 months)In this role, I managed a portfolio of high-net-worth clients, delivering tailored financial solutions and deepening client relationships through strategic wealth management, investment advisory, and personalized banking services. I focused on driving portfolio growth, enhancing customer experience, and cross-selling a suite of premium banking products. • Retaining profitable existing high net worth clients by consistently meeting and/or exceeding their expectations through superior customer service • Proactively developing and maintaining a detailed understanding of clients' business and financial services needs • Proactively promote the sale of Deposit products, loan, investment and other banking services to individual customers • Develop
- Deposits Product Strategy Lead – Retail BankingStandard Chartered BankJul 2010 - Jan 2012 (1 year 7 months)Oversaw liquidity strategy and balance sheet optimization for the consumer retail division, with a focus on deposit mobilization, interest margin performance, and strategic asset-liability management. Key Achievements & Responsibilities: • Managed Net Interest Margin (NIM) across retail portfolios by optimizing deposit mix, pricing strategies, and funding cost structures to ensure sustained profitability • Led ALCO Presentations, delivering insights on retail liquidity trends, customer deposit behavior, and product pricing impact—supporting data-driven decision-making at senior executive level. • Designed and implemented deposit mobilization campaigns, targeting both mass-market and affluent segments, leading to an increase in low-cost depo
- Retail Banking Strategy & Performance Manager, East AfricaStandard Chartered BankJul 2008 - Jun 2010 (2 years)Planning Manager for Retail Banking across East Africa, I was responsible for translating strategic objectives into actionable plans that drove performance across the region. My role focused on aligning financial targets with operational execution, optimizing resource allocation, and ensuring cross-market cohesion in strategy delivery. Working closely with senior leadership, I enabled data-driven decision-making, tracked key business metrics, and supported regional growth initiatives within the retail banking space. • Strategic thinking and planning, as well as ensuring smooth coordination of all projects and work streams for the department. • Tracking the overall retail products performance, monitor projects against agreed objectives and t
- Strategy & Performance Manager, Branch Network Operations, East and Southern AfricaStandard Chartered BankJun 2008 - Dec 2008 (7 months)• Strategic thinking and planning, as well as to ensure smooth coordination of all projects and work streams for the department. • Tracking the overall branch performance, monitor projects against agreed objectives and timelines • Follow up on the action plans for the departments through various KPIs ensuring completion. • Cost management of the department • Stakeholder Management and reporting on the various projects in the department
- Business Performance Analyst, Branch Network OperationsStandard Chartered BankJan 2007 - May 2008 (1 year 5 months)As a Business performance analyst, I supported strategic decision-making by transforming data into actionable insights. I worked cross-functionally to analyze performance trends, identify growth opportunities, and optimize operational efficiency across the retail banking portfolio. • Data collection and analysis • Preparation of the monthly branch score cards • Stakeholder Management and Reporting • Branch training on metrics used in the scorecards
Education
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- Pan African Executive MBA Module, Business Administration and Management, GeneralIESE Business SchoolJan 2019 - Dec 2019 (1 year)• Managerial Decisions Across Cultures • High performance teams across cultures and cultural competencies for global leaders. • Corporate governance • Globalization and strategy • Negotiation skills
- Executive MBA, Business Administration and Management, GeneralStrathmore Business School SBSJan 2018 - Dec 2019 (2 years)
- Bachelor's degree, Statistics and Computer ScienceJomo Kenyatta University of Agriculture and Technology JKUATJan 2001 - Dec 2005 (5 years)Mathematics (Statistics) and Computer Science
- Diploma, Information TechnologyStrathmoreJan 2000 - Dec 2001 (2 years)IMIS (Institute for the Management of Information Systems)
Projects (professional or personal)
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- 55. Expanding Tala’s Presence in East AfricaLed Tala’s expansion, scaling operations across East Africa • Grew Tala from a small team to a trusted household name in digital lending. • Developed SME-focused lending models to support small business growth. • Enhanced financial literacy programs, ensuring customers understood responsible lending.
- 44. Credit Scoring Innovation at TransUnionDesigned and rolled out Kenya’s first real-time credit scoring solution • Launched Nipashe 1.0 & 2.0, allowing 7.8M+ Kenyans to access their credit scores via mobile and bank apps. • Executed the first Basic & Advanced Credit Scoring Training in Eastern Africa, educating professionals in Kenya, Rwanda, and Zambia. • Recalibrated the Credit Bureau Score to achieve 50%+ GINI, improving accuracy in credit assessments. • Launched the mobile lending credit scores for Kenya.
- 11. Pioneering East Africa’s First NeobankLed the development and launch of the first Neobank in East and Central Africa • Transformed digital banking by offering seamless financial solutions to underserved communities. • Secured strategic partnerships to expand reach and enhance customer adoption. • Increased accessibility to financial services for SMEs and individuals through digital innovation.
- 66. Strategic Leadership at Branch Microfinance BankDriving Growth & Stability at Branch Microfinance Bank • Implemented a robust debt fundraising strategy to secure long-term financial stability. • Designed & Executed operational strategies that positioned Branch MFB as a profitable and sustainable financial institution. • Led governance and compliance efforts to align with regulatory requirements, fostering trust with investors and stakeholders.
- 22. Digital Transformation at HFC Kenya – HF WhizzLaunched multiple groundbreaking financial products under HF Whizz • Nyumba Yangu Savings Product: First digital Home Ownership Savings Plan (HOSP) in Kenya, helping customers save for homeownership. • FX Whizz: Enabled FX transactions on mobile, simplifying cross-border payments. • HF Whizz Online Bid Bonds: Digitized SME financing, allowing instant bid bond applications. • HF Whizz Money Transfer: Seamless diaspora remittances, enabling direct transfers from debit/credit cards to Kenyan accounts. • HF Whizz School Fees Solution: Instant education loans disbursed directly to schools, reducing financial strain on parents.
- 77. Financial Inclusion through Consumer Credit SolutionsDeveloped multiple digital credit solutions for African markets. • Introduced a USSD-based consumer credit service, allowing access to microloans without smartphones. • Rolled out automated credit scoring, reducing approval times and making loans more accessible. • Enhanced customer experience with a data-driven approach, ensuring responsible lending.
- 33. Driving Digital Lending Regulation – Digital Lenders Association of Kenya (DLAK)Founded and Chaired the Digital Lenders Association of Kenya (DLAK) • Orchestrated industry-wide collaboration among digital lenders. • Led regulatory discussions on the Data Protection Bill, advocating for fair digital lending practices. • Positioned the digital lending sector as a key driver of financial inclusion in Kenya.
Awards
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- IDigital Finance Leader of the Year 2026Instinct Women Awards by Instinct WaveFeb 2026Recipient of the Digital Finance Leader of the Year 2026 award, recognizing leadership and impact in advancing digital financial services and inclusion.
- AAngaza Awardee - Africa's Women to watch in Banking, Finance and InvestmentsAngaza ForumDec 2024The Angaza Awards – Women to Watch in Banking and Finance is a prestigious recognition platform that celebrates and showcases trailblazing women leaders driving innovation, impact, and transformation across Africa’s financial services sector. The awards highlight women who are not only excelling in their careers but also shaping the future of banking, fintech, insurance, and investment through strategic leadership, innovation, and a commitment to inclusion.
- TTop 25 Most Influential CEOs Impacting Business 2023The Knowledge Warehouse KenyaJan 2023https://www.theknowledgewarehouseke.com/top-25-most-influential-ceos-impacting-business-2023/
- IChoiseul 100 Africa 2020 : Economic Leaders for TomorrowInstitut ChoiseulDec 2020The Choiseul 100 Africa is an annual study independently carried out by the Institut Choiseul. It identifies and ranks the young African leaders of 40 years old and under 40, who will play a major role in the continent’s economic development in the near future. Result of a work conducted over several months, the Institut Choiseul contracted many experts and specialists on the continent to achieve this ambitious and unique study which draws up an inventory of the African economy forces.
- IChoiseul 100 Africa 2019 : Economic Leaders for TomorrowInstitut ChoiseulOct 2019The Choiseul 100 Africa is an annual study independently carried out by the Institut Choiseul. It identifies and ranks the young African leaders of 40 years old and under 40, who will play a major role in the continent’s economic development in the near future. Result of a work conducted over several months, the Institut Choiseul contracted many experts and specialists on the continent to achieve this ambitious and unique study which draws up an inventory of the African economy forces.
- AMost Influential young Kenyan woman for 2018AvancemediaorgJan 2019The award was dedicated to individuals who run successful enterprises in Kenya, which are adding valuable social, economic and cultural remittances to lives and contributing towards shaping the image of the African continent.
- IChoiseul 100 Africa 2018 : Economic Leaders for TomorrowInstitute ChoiseulOct 2018Choiseul 100 Africa 2018 : Economic Leaders for Tomorrow The Choiseul 100 Africa is an annual study independently carried out by the Institut Choiseul. It identifies and ranks the young African leaders of 40 years old and under 40, who will play a major role in the continent’s economic development in the near future. Result of a work conducted over several months, the Institut Choiseul contracted many experts and specialists on the continent to achieve this ambitious and unique study which draws up an inventory of the African economy forces.
- IChoiseul 100 African Economic Leaders of tomorrow 2017 EditionInstitute ChoiseulSep 2017Choiseul 100 Africa 2017 : Economic Leaders for Tomorrow The Choiseul 100 Africa is an annual study independently carried out by the Institut Choiseul. It identifies and ranks the young African leaders of 40 years old and under 40, who will play a major role in the continent’s economic development in the near future. Result of a work conducted over several months, the Institut Choiseul contracted many experts and specialists on the continent to achieve this ambitious and unique study which draws up an inventory of the African economy forces.
- IChoiseul 100 Africa 2016 : Economic Leaders for TomorrowInstitut ChoiseulSep 2016The Choiseul 100 Africa is an annual study independently carried out by the Institut Choiseul. It identifies and ranks the young African leaders of 40 years old and under 40, who will play a major role in the continent’s economic development in the near future. Result of a work conducted over several months, the Institut Choiseul contracted many experts and specialists on the continent to achieve this ambitious and unique study which draws up an inventory of the African economy forces.
- BTop 40 Under 40 women in Kenya 2015Business Daily AfricaOct 2015Awarded in 2015 as a top 40 under 40 woman to watch in Kenya. This is due to: My current role and my contribution in Chase Bank's Retail Banking Project.