Ms.

Rose Mwaniki
Microfinance & Rural Finance/SPM Expert
P.O Box 69883 – 00400
Nairobi, Kenya.
Tel: +254722843944
Email: [email protected]

SUMMARY PROFILE

Qualifications: MBA (Business Management), University of Eastern Africa - Baraton: Bachelor of

Education Bed Hons; (Economics/Business) Kenyatta University: Holds several short & medium
term professional training certificates in the field of Enterprise Development from Internationally
recognized Development training Institutions in Europe and United States of America.

Experience in microfinance/rural finance development: Rose is a microfinance/rural finance

specialist with more than 14 years of hands-on experience in managing microfinance operations and
10 years of consulting in microfinance and rural finance programs’ design, implementation,
operations systems design and training smallholder farmers, SMEs and staff/managers/board
members of rural focused financial service providers in Kenya and other African Countries.

Experience in Agriculture Value Chain Development: She been lead consultant in the design and
management of various USAID funded horticulture based value chain development Projects in
Kenya and Tanzania, including an Avocado Project by Kenya BDS (2003-2005); horticultural tree
and vegetable value chains commercialization projects by USAID Kenya Horticultural Development
Program (KHDP) (2005-2008); horticulture tree, vegetables and spices value chain promotion
projects by USAID-Kenya Horticulture Competitiveness Project (2011-2013) and USAID TAPP
Horticultural Program in Tanzania (2010-2012). Each of these projects promoted smallholder
farmers and agribusiness based SMEs. The participating smallholder farmers in each project were
linked to linked to financial services as well as formal markets - export, regional and local.

Experience financial literacy training for smallholder farmers: Rose successfully directed the
design and implementation of two financial literacy projects for Farm Africa/European Union (2015)
and IFAD/AGRA/AFRACA/KMP (2013-2015) that jointly trained over 4,500 smallholder farmers
within 6 Counties and linked over 90% of them to access financial services.

Experience in Financial Products Development, Pilot Testing, Evaluation & Training: Rose has
practical experience in undertaking qualitative market research to identify rural finance/MFIs’ clients
needs to inform the development of new products or reengineer existing ones in different sectors:
business, agriculture among others. She has been involved in design, pilot testing, monitoring and
evaluating financial products modeled towards rural finance. She trains MFI Boards, managers and
operations staff on design and implementation of micro and rural finance. She is a faculty with
School of Africa Microfinance an African Wide School and trains on Delinquency Management.

Countries of Experience: Rose has provided microfinance/rural finance development consultancy

services in over ten countries including: Kenya, Swaziland, South Africa, Namibia, Ghana,
Tanzania, Uganda, Senegal, Rwanda, Zambia, Democratic republic of Congo and Cameroon.

Specialization: Microfinance/Rural Finance development Expert/Trainer

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DETAILED CURRICULUM VITAE

MS. ROSE MWANIKI

Profession: Micro Finance /Rural Finance/SPM Expert

E-mail Address [email protected]
P.O Box 69883 – 4000 - Nairobi, Kenya
Cell: +254722-843944
+254735843944
KEY QUALIFICATIONS

Experience in microfinance/rural finance development: Rose is a

microfinance/rural finance specialist with more than 14 years of hands-on experience in managing
microfinance operations and 10 years of consulting in microfinance and rural finance programs’
design, implementation, operations systems design and training smallholder farmers, SMEs and
staff/managers/board members of rural focused financial service providers in Kenya and other
African Countries.

Experience in Agriculture Value Chain Development: She been lead consultant in the design and
management of various USAID funded horticulture based value chain development Projects in
Kenya and Tanzania, including an Avocado Project by Kenya BDS (2003-2005); horticultural tree
and vegetable value chains by USAID Kenya Horticultural Development Program (KHDP) (2005-
2008); horticulture tree, vegetables and spices value chain promotion by USAID-Kenya Horticulture
Competitiveness Project (2011-2013) and USAID TAPP Horticultural Program in Tanzania (2010-
2012). Each of these projects promoted smallholder farmers and agribusiness based SMEs. The
participating smallholder farmers in each project were linked to linked to financial services as well as
formal markets - export, regional and local.

Experience in Responsible Finance & SPM: Rose is an Accredited Smart Campaign Support
Assessor & Lead Trainer in Institutional Assessment in SPM/CPPs (Client Protection Principles).
She has hands on experience in training and conducting assessment on social performance and social
audits for microfinance institutions. Ms. Mwaniki has been contracted by SEEP NETWORK to
facilitate the upgrading & implementation of the Association of Microfinance of Uganda (AMFIU)
industry level client complaint system – 2015-16. She has also recently (June 2016) facilitated
training on responsible and inclusive finance for Social Performance Task Force (SPTF).

EDUCATIONAL BACKGROUND

Rose is an MBA (Business Management), University of Eastern Africa Baraton: Bachelor of

Education Bed Hons; (Economics/Business) Kenyatta University holder: She holds several short &
medium term professional training certificates in the field of Enterprise Development from
Internationally recognized Development training Institutions in Europe and United States of
America.

RM – Profile & Detailed CV 3

PROFESSIONAL COURSES ATTENDED

2011 Leadership & Management Training on Scaling up Food Security

USAID - AFRICA LEAD Nairobi, Kenya

2010 International Training Programme on Micro insurance

INAFI India & Dhan Foundation, Madurai, India

2002 Leading change in micro finance markets – MF Training program

Bankakademie International, Kronberg, Germany

2002 Microfinance best practice training

Naropa University, Colorado USA

2000 Public Speaking

British Council, Nairobi, Kenya

1996 Financial Management and Control training

Spring Field Development Center, Durham, United Kingdom

1990 Managing Enterprise Development

Cranfield School of Management, United Kingdom

1990 Microfinance for Micro enterprises

Cranfield School of Management, United Kingdom

SEMINARS ATTENDED

2004 INAFI Regional Micro Finance Conference – Challenges of Planning and Managing the
Growth of MFIs - Addis Ababa – Ethiopia, 7th to 9th June 2004.

2000 Migrant Workers’ Remittances and Micro finance

ILO Headquarters – Geneva, Switzerland

2000 Levers for Financial Sustainability – Transparency as an Indicator of Financial

Sustainability of MFIs – Antananarivo, Madagascar

1998 Practitioners two-week visit to leading MFIs: GRAMEEN, ASA and BRAC
Dakar, Bangladesh – combination of institutions operating MF and BDS programs.

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PROFESSIONAL EXPERIENCE

2009 - 2010 Chief Executive Officer, INAFI Africa Trust

Oversee the leadership and management of the Africa Regional Chapter of INAFI
Global Network of over 48 micro finance institutions spread over 24 countries
within the continent. This position involved the mobilization of financial resources;
capacity building of member organizations; lobbying and advocacy among regional
and national Governments; organization of regional conferences and day-to-day
management of the Secretariat based in Nairobi, Kenya.

2000- Feb 03 General Manager - K-Rep Development Agency (KDA)

Providing overall leadership to a team of senior managers and oversight of the
activities of all departments and units in the design, pilot-testing, evaluation and re-
designing of new financial products, training of staff on operations management,
assisting the managing director to fundraise, reporting on programmatic
performance to board and donors, carrying out consulting assignments twice yearly,
coordination and formulation of policies and procedures for the projects.

1999-2000 Chief Manager – Credit, K-Rep Bank Limited

Responsible for: - Supervision of staff and operations and accountable for the
functions of the entire department. The specific duties for this position were:
Management and administration of credit operations and Area Marketing Offices,
marketing and business development for bank to minimize the bank’s lending risk
and preparing the necessary reports and analysis and regularly making briefs to the
Managing Director. Also responsible for the department staff development and team-
building plans and carried out general administration functions.

1994-1999 Head of Credit Department- K-Rep Holdings Limited

Responsible for providing overall leadership to the Area managers and entire credit
department operations, developing budgets and management plans, monitoring and
evaluating all departmental programme activities, managing day-to-day credit
operations, liaising with other financial and development institutions, preparing
monthly management reports, developing of operational systems and procedures for
the credit department. Also responsible for staff development and team-building plans
and carried out general administration functions.

1992-1994 Area Manager, K-Rep Holdings Limited

Responsible for developing budgets and management plans, monitoring and
evaluating all Area office activities, managing day-to-day credit operations, liaising
with other financial and development institutions. Also responsible for staff
development and team-building plans and carried out general administration
functions.

1988-1992 Credit Officer, K-Rep Holdings Limited

Outreach, promotion, appraisal, intake and provision of financial services to small-
scale and micro-entrepreneurs. Monitoring, follow-up and reporting on the credit and
savings activities. Carrying out administrative functions of the field office

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CONSULTING ASSIGNMENTS UNDERTAKEN

2016 Lead Trainer – Responsible Inclusive Finance Introductory Training – facilitated

in the training of 16 CEOs/Senior Managers of Microfinance on Responsible
Finance for SPTF (Social Performance Task Force) Kigali, Rwanda–June 2016

2016 Team Leader – Training Needs Assessment, design and delivery of Soft Skills
training for Masons – contracted by Habitat for Humanity – May – June 2016

2015-2016 SPM Consultant to facilitate the review and upgrading of industry wide client
complaint mechanism for AMFIU – contracted by SEEP NETWORK– Sept 2015 –
Feb 2016.

2015 Lead Trainer – design & delivery of Middle/branch managers of Juhudi Kilimo
MFI in Kenya– contracted by Grameen Agricole Microfinance Foundation –
October 2015

2015 Lead Trainer – design & delivery of Effective MFIs and Saccos Corporate
Governance training– contracted by MESPT– October 2015

2015 Lead Trainer – design & delivery of microfinance operations management

training for Saccos– contracted by MESPT in June 2015

2015 Lead Consultant, Review, Reengineer and develop new agriculture financial
products & training managers/staff on selected products pilot-testing – contracted
by Oiko Credit, East Africa Region for YEHU Microfinance – May-June 2015

2014 - 2015 Lead Consultant, Review of Internal Processes and agriculture based financial
products – contracted by USAID Kenya FIRM to review and reengineer financial
products and operating systems for Wakenya Pamoja Sacco – Nyanza, Kenya –
December 2014 – February 2015

2014 Lead Consultant, Operating Systems Design & staff, managers and board training
– contracted by Oiko Credit to review and design operating systems for K-LIFT a
specialized MFI in financing of the dairy value chain in Kenya – November 2014.

2014 Chief Trainer, Branch Manager Training – contracted by Stromme East Africa to
train 72 branch managers of its Partner Institutions in Kenya – September –
October 2014.

2014 Delinquency Management Trainer – contracted by School of Africa Microfinance

(SAM) to train managers/staff of Microfinance institutions and other financial
institutions – September 2014.

2014 Value Chain development Trainer – contracted by Microfinance Unit – Swaziland

to train 46 stakeholders on value chain analysis and development for agriculture
business – September 2014.

2014 Group Based Credit Trainer – contracted by Oiko Credit to design and deliver a
back to basics training program on profitable group based microfinance for SMEP
MF Bank – May-June 2014.

RM – Profile & Detailed CV 6

2014 Team Leader – design of operating systems for 3 different microfinance institutions,
NEEMA HEEP, BIMAS Kenya and Juhudi Kilimo during the months of April – July
2014.

2014 Team Leader – 5-year Strategic Business Plan for UTS Sacco – Jan to March
2014; contracted to facilitate the development of the strategic business plan and
capacity building of staff, management and board of the Universal Traders Sacco,
Eastern Region of Kenya

2014 SPM Consultant, AMFI, Kenya – facilitated in a high level CEO/Board SPM
forum, on Improving Performance in the Kenya Microfinance Industry through
double bottom line – Feb 2014

2014 SPM Consultant – Jan – April 2014; contracted to facilitate the cascading of SPM
and specifically the design of client complaint systems for 5 MFIs member
organizations of AMFI, Kenya

2013-14 IFAD Rural Finance Specialist - contracted to participate both in the predesign
and design of the Kenya Climate Resilient Agricultural Livelihoods Programme to
be implemented in 7 Semi-arid and Arid Counties in Kenya – December 2013 to
May 2014.

2013 Team Leader – Development of a 3-Year Agribusiness Strategic Business Plan for
ECLOF Kenya by USAID FIRM – September – October 2013; contracted to
facilitate the development of ECLOF Kenya agribusiness strategic business plan,
reengineering of existing agribusiness products & development of new agribusiness
products.

2013 - 14 Trainer – Delinquency Management Course – School of Microfinance (SAM)

2013 Team Leader – Development of a 5-Year Strategic Business Plan for BIMAS by
USAID FIRM Kenya – June-August 2013; contracted to facilitate the development
of BIMAS strategic business plan; training of staff and board and officiate in the
launch.

2013 IFAD Supervision & Implementation Support Mission –Rwanda June-July 2013;
contracted as a rural finance & M&E specialist to review the financial services and
& M&E components of the Project for Rural Income Through Exports (PRICE) and
key service providers.

2011-2013 AMFI SPM Project July 2011-December 2013; supporting of 7 Microfinance

Institutions to internalize, design and implement Social Performance Management
to complement their financial reports.

2011-2013 Capacity building of USAID - KHCP private partner organizations and

community based leaders, April 2011 – April 2013; needs assessment, design,
development and delivery of training to partner staff, managers, board and
smallholder farmers.

RM – Profile & Detailed CV 7

2010-2011 Financial Consultant – USAID - Tanzania Agriculture Productivity Program
(TAPP) July 2010 – June 2011; design and provision of technical assistance in the
implementation of two revolving loan funds to support the horticulture and
floriculture sectors in Tanzania.

2011 Training of Mercy Corps Field Managers in Financial Literacy - July 2011;
training needs assessment, training material design and delivery to build the
capacity of field managers in regard to money management among their youth
clientele.

2010-2011 Capacity building of Canyon Rural Credit field officers, management and board;
December 2010 – January 2011; needs assessment, training material development
and delivery to build Canyon Rural Credit Institutional capacity to increase scale of
operations and improve loan quality.

2010 Final Evaluation of Mbonweh Women’s Savings and Loan Cooperative Society
(MWSAL-COOP), June 2010; evaluation and systematic documentation of lessons
learnt and best practices through the establishment and operation of the cooperative
over a period of over 20 years.

2009-2010 Capacity building of KHDP-USAID private partner organizations and community

based leaders, October 2009 – May 2010; needs assessment, training material
development and delivery to build their institutional capacity and assist them deliver
commercial and sustainable services; strategic plan development; overall BDS
advisory services.

2009 End of Microfinance Evaluation, IFAD Tanzania, August 2009; part of the
evaluation mission team for IFAD Rural Financial Services Project as a micro
finance expert.

2008 Market Research and Development of a growth Oriented loan Product, November
2008; Lead consultant – facilitated the market research process and development of
a prototype to be pilot tested December 2008 – March 2009 for SISDO, Kenya.

2008 Strategic Plan and Business Development September & October 2008; facilitated
the development of strategic plans for Marang Financial Services – South Africa
and Jitegemea Credit Scheme, Kenya.

2008 Development of commercial field vegetable production, distribution and marketing

for East African market: June – December, 2008; tomato value chain supply
coordinator, Kenya; To set up the pilot, develop value adding markets and linkages
with the financial sector; replicate it in other parts of Kenya and East African
Countries.

2008 Operations staff and management Training – COOPEC Kalundu, Uvira DRC
Congo February, 2008; Designed, developed training materials and delivered
credit and savings operations management for both the field officers and managers
the fastest growing Cooperative in Eastern Congo.

2008 Evaluation/Loan Portfolio Audit; Board and management capacity building – for
SISDO Microfinance Institution, Kenya January 2008.

RM – Profile & Detailed CV 8

2007 Fundamentals of Microfinance: Customer based training for Cooperative Bank of
Kenya Agricultural support managers and Sacco managers/Committee members.
Designed training materials and delivered two trainings in the months of October
and November 2007.

2007 Evaluation/Market Research study; – July & August, 2007: Re-designed an

individual loan product and trained the operations manager of Marang Financial
Services – South Africa

2007 - 2008 Group Capacity Building, of various USAID-KHDP Horticultural Business

groups within 6 provinces in Kenya: Developed toolkits for leadership and
marketing training of the KHDP groups. Delivery of training to be undertaken
between the periods 2007 – 2008.

2007 Effective Facilitation: Integrating producers into sustainable value chains: MDI
BDS Training – Johannesburg SA – Mar 2007: Designed/developed training
materials and delivered training to a mix of BDS professionals from 6 countries on
‘how’ to effectively implement market development initiatives using the producer
group and lead firm models – Value Chains.

2007 Branch Manager Operations Training – SISDO, Nairobi – Kenya - March 2007:
Designed and developed training materials and delivered training to senior and
newly promoted branch managers of SISDO a micro finance institution that is
agricultural oriented in Kenya.

2007 Branch Manager and Financial Services Operations Training(s) – SINAPI ABA
TRUST (SAT) Kumasi, Ghana – February and March 2007: Designed/developed
materials and delivered training for: senior, branch managers and financial services
officers of SINAPI ABA TRUST the largest micro finance institution in Ghana.

2006 Financial Analysis, Interpretation and Use Training – Thematic Workshop for
INAFI Africa Member Institutions – Accra, Ghana, July-August, 2006.
Lead designer and facilitator during the delivery of the above training for 43
participants from over 30 member institutions of INAFI Africa Trust.

2005 - 06 Kenya Business Development Services (KBDS)/EAGA/KHE Avocado Export

Program – Oct 2005 – Oct 2006: Currently providing consultancy services to Kenya
Business Development Services (KBDS) to organize, train and manage avocado
producer group’s farmers and leaders to effectively produce and market the product
through two lead horticultural firms in Kenya.

2004 –05 ECDC/Micro Finance Pilot Scheme Design & Implementations (South Africa) –
October 2004 – May 2005: Team Leader on a contractual assignment between
ECDC and INAFI to provide technical assistance in the setting up of a pilot micro
finance project for a period 4 months. Specific responsibilities include: undertaking
of a detailed market and institutional capacity assessment/analysis, training of
project staff, management of the pilot project and advisory services both to
management and board of ECDC.

RM – Profile & Detailed CV 9

2003-04 Technical Advisor, UNDP/Government of Ghana - Micro Finance Institutions
Capacity Building programme – June 2003 – June 04. Overall manager of the
Micro Start Project; managed the review of the institutional assessment for 14
Micro finance Institutions, selection and preparation of 6 partner institutions finally
picked to take part in a 2-year Capacity Building Programme under UNDP, USAID
and APDF funding.

RESEARCH PAPERS
2006 Research Study on the Role of Micro Finance in Poverty Reduction – co-funded by
AFRACA and INAFI Africa Trust – July 2006.

LANGUAGES
Fluent English, Kiswahili and Kikuyu – local language

OTHER SKILLS
Computer Microsoft Office; WordPerfect; Microsoft Excel; Power Point

CONTACTS & ADDRESSES OF REFEREES:

Leah Wardle Caroline Mulwa Miriam Cherogony

SPM/Universal Standard Specialist Country Director Africa Regional Manager
Smart Campaign Oiko Credit Initiative for Smallholder Finance
[email protected] P.O Box 30328 – 00100 Postal Address: P.O Box 4454
[email protected] Nairobi, Kenya Nairobi 00506
Tel: +254 – 726 600006 Nairobi Kenya
[email protected] +254 722 111 237 I
+254 722 851 237
miriam.cherogony@globaldevincuba
tor.org [email protected]

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