Geoffrey Mwangi Wainaina

I am a passionate and results‑driven credit and risk management professional with over 13 years of experience reshaping the way organizations approach lending, recovery, and operational efficiency. From scaling departments and automating complex collections to safeguarding multi‑billion‑shilling portfolios, my work has always been about finding smarter ways to balance risk and reward.

Throughout my career, I have served in pivotal roles across Kenya’s microfinance, banking, and consulting sectors. As a lead consultant at Credit Excellence Consultants (CreditExCo), I’ve combined deep sector knowledge with a forward‑thinking approach to help businesses design tailored credit policies, optimize recovery strategies, and implement seamless, technology‑driven risk frameworks. At every level, I’ve embraced the challenge of aligning people, policies, and platforms for maximum impact.

What excites me is the opportunity to create systemic change. The projects I’ve led — from implementing enterprise‑wide collections platforms to digitizing risk assessments — have enhanced operational efficiency, boosted recovery rates, and reduced bad loans by significant margins. I am adept at translating complex regulations and risk metrics into actionable policies and practical training that enable teams to perform at their best.

More than a manager, I am an innovator and trainer. I am passionate about building teams that understand the value of precision and accountability while creating space for collaboration and growth. As I look to the future, I am energized by the role that intelligent credit policies and automation will play in reshaping the financial services landscape across Kenya and beyond.

For organizations seeking a seasoned strategist with a proven record in credit risk optimization, recovery, and operational leadership — I am ready to help design, implement, and drive sustainable outcomes that stand the test of time.