Joseph Maina takes a vision and makes it a reality through sound strategy development in credit risk, debt advisory, management and collection. He intuitively sees the threads of opportunity that and through the organization, brings them together into a coherent whole, helps others extend their thinking and drives material business advantage. He is an inspirational leader who tells stories that inspire action while at the same time is grounded in financial information that levers the business.
Respected as a credible voice in decision making, finding strategic financing partners, and establishing governance boundaries, Joseph earns at the table wherever he sits.
Previously a Consulting General Manager for Anchor Premier Sacco Ltd, he led in business development for the Real Estate Loans Division after leading the over USD. 4 million Credit Division. During this time, he drove the acquisition of market share from renown real estate mortgage lenders repositioning the SACCO as a credible player in the industry.
Earlier, he has risen through the ranks from data entry to consulting in business development, credit management and risk following close to a decade of experience from Faulu Microfinance Bank Ltd (a subsidiary bank of the UAP-Old Mutual Group) and Vision Fund Kenya Ltd (a subsidiary microfinance of the World Vision).
Joseph is an Internationally Certified Expert In Risk Management from the Frankfurt School of Finance & Management and a Certified Financial Collections Professional from the International Center for Professional Collections (USA).

Lemuel is a professional in the finance and credit sector with over ten years of hands-on experience. He is adept at leveraging data, technology, financial and interpersonal skills to provide demand-led solutions. Equally, He has a good understanding of credit markets having worked for Unaitas SACCO Society Ltd as a Credit Risk & Recovery Officer. He was instrumental in the development and implementation of digital credit products at Unaitas. He has also been a valuable team player in initiatives such as the transition of the Kenyan market to daily credit reporting under the Kenya Credit Information Sharing Strengthening project supported by the World Bank Group.
In addition, He conceptualized and implemented the CIS Learning Centre, an online learning portal that seeks to build the capacity of credit providers on credit information sharing and related areas such as data and technology. He is a member of the Institute of Certified Public Accountants of Kenya (ICPAK).

Hannah is an Advocate of the High Court of Kenya with over 15 years’ experience in Commercial and Banking Law, Corporate Governance, Alternative Dispute Resolution, Sustainable Finance and Credit Information Sharing among other areas of legal practice. Hannah has interacted with the CIS mechanism since its inception having been nominated as the CIS champion by Stanbic Bank to represent it in the project team that led to establishment of CRBs in Kenya. She later joined CIS Kenya as its Head of Legal Services in year 2012 and has been instrumental in drafting and amendment of CRB Regulations all through.
She has solid experience on legal requirements, responsibilities and consequences of CRB data submission. Having served as the Registrar of Tatua Center, an ADR Center that has been running under CIS Kenya handling all CRB related disputes, Hannah has fast hand experience on how mistakes made by credit providers in submitting CRB data can be costly when courts are involved and is always glad to share such experiences to help credit providers avoid such pitfalls.