Esther Moyi – Chief Executive Officer, ECLOF Kenya
Esther brings over two decades of distinguished experience in strategic leadership, operational management, and transformative growth within the microfinance and financial services sectors. She has consistently demonstrated an unwavering commitment to sustainable development, financial inclusion, and community empowerment throughout her career.
Esther’s career trajectory includes various senior management roles, most recently as Chief Operations Officer at Vision Fund Kenya. In this position, she successfully led initiatives that fostered significant portfolio growth, improved operational efficiencies through digital transformation, and built a high-performance culture dedicated to serving underserved communities.
Her expertise spans strategic planning, risk management, team leadership, and the development of customer-centric financial solutions. Esther has a proven record of accomplishment of driving growth and implementing turnaround strategies in dynamic environments, resulting in improved portfolio quality and the execution of transformative projects aligned with organizational missions.
A visionary and collaborative leader, Esther emphasizes ethical practices and community impact while leveraging technology to increase access to essential financial services. Her leadership approach is rooted in empowering teams, fostering continuous improvement, and achieving operational excellence.
Esther holds an MBA from the University of South Wales, combining her academic foundation with years of practical, hands-on experience. As the new CEO of ECLOF Kenya, she is passionate about advancing the organization’s mission to provide inclusive and impactful financial services that empower individuals and communities. Under her leadership, ECLOF Kenya is poised for new growth, enhanced operational efficiency, and a continued focus on financial sustainability.
Her appointment marks an exciting new chapter for ECLOF Kenya, and the Board of Directors are confident in her ability to lead the organization to new heights of success.
Michael joined ECLOF Kenya in the year 2013 as the regional manager western region, he managed to grow the region to where it is right now. The region was later divided into three other regions and Michael became an Area manager of South Rift region. He has risen in rank and currently serving as the Head of Business Development. Prior to this, Michael served as a Regional Manager in charge of Nairobi and Mombasa regions.
He has 15 years working experience in managerial roles in both banking and the microfinance industry. He previously worked for Faulu Kenya Microfinance Bank, Jamii Bora Bank and Sidian Bank as a branch manager.
He brings a wealth of experience in championing business growth in the organization.
Michael has a master’s degree in project management from the University of Nairobi, and a bachelor’s degree in Economics from the same university. Michael is a seasoned and a passionate leader with a focus on business growth.
Samuel is a seasoned Credit and Risk Management professional with over 16 years of experience in credit analysis, credit administration, and risk assessment. Currently serving as the Manager, Credit Administration at ECLOF Kenya Ltd, Samuel plays a pivotal role in overseeing credit operations, improving loan turnaround times (TAT), and ensuring smooth system transitions within the organization.
With a strong track record of managing diverse credit portfolios and leading high-performing teams, Samuel has consistently delivered results by aligning credit strategies with business objectives. His keen focus on minimizing default risk and enhancing credit quality has made him a trusted leader in the microfinance and credit sectors.
Samuel holds a Bachelor’s degree in Finance from the University of Nairobi, ACCA (skills) and possesses several professional certifications in Credit and Risk Management. In addition, he has earned a Diploma in Leadership, reinforcing his commitment to leadership empowerment and capacity building across institutions.
Beyond his professional duties, Samuel is passionate about leadership development and is actively involved in empowering individuals and teams to realize their potential through mentorship and strategic guidance.
Josphat Joined Eclof In April 2005 As An Accountant And He Has Climbed The Career Ladder To His Current Position. He Holds A Bachelor Of Business Management From Moi University Majoring In Finance And Banking; A Certified Public Accountant Cpa (K) And A Member Of Institute Of Certified Public Accountants Of Kenya (Icpak).
Josephat Has Over 13 Years Of Experience With 10 Years In Eclof Kenya Finance Department. Previously, He Worked With Methodist Church In Kenya As An Accountant In Various Departments. To Enhance His Skills In The Industry And Related To His Career, He Attended Several Trainings Which Includes International Financial Reporting Standards (Ifrs) Application And Reporting, Leadership In Microfinance, Strategic Management
Josephine Mwangi Joined Eclof Kenya In May 2012 As The Human Resource And Administration Manager. She Brings In A Wealth Of Experience In Human Resource Management Spanning Over Eight Years. She Handles A Very Busy Docket Whose Activities Include; Hr Strategy Formulation And Execution, Hr Planning And Development, Hr Audit, Policy Formulation And Implementation, Performance Management, Talent Management Among Others.
Prior To Joining Eclof Kenya Josephine Worked In The Manufacturing Industry As The Hr Manager At Raffia Bags (K) Ltd For 5 Years. She Served In The Same Capacity At Kevroe Plastics Ltd Having Risen In The Ranks As A Hr Practitioner At Senior Best Garments Ltd And Orange Styles.
Professionally, She Is A Certified Human Resource Practitioner- Kenya (Chrp-K). She Holds A Bachelor’s Degree From Kenyatta University And A Diploma In Human Resource Management From The Kenya Institute Of Management. She Has Attended Various Leadership And Governance On Job Trainings.
Josephine Is A Member (In Good Standing) Of The Institute Of Human Resource Management Professional Body And She Is Licensed By The Institute To Practice As A Hr Practitioner.
Raphael Joined Eclof Kenya In September 2012 As Internal Auditor, Was Confirmed As Internal Audit Manager And Later Became The Head Of Internal Audit, A Position Served Until Recently When He Was Appointed The Head Of Innovation & Strategy At Eclof Kenya. He Was Also Appointed The Transformation Manager (Since November 2015) Being At The Helm Of The Company Transformation From A Credit Only Institution To A Microfinance Bank.
Raphael Spans Over 15 Years Cumulative Experience In; Audit & Risk Management, Governance, Finance & Accounting, Administration, Credit Management And Operations Including Leadership And Management Of Saccos, And With Over 12 Years In The Financial Service Industry. His Primary Roles Include The Provision Of The; Assurance, Consulting And Advisory Inputs At Both The Management And Board Levels Including In Key Projects’ Implementation. Raphael Works Closely With The Board Of Directors And The Respective Committee E.G. Audit, Finance, Risk And Transformation. He Has Mastered The Art To Collaborate Effectively With The Management And Control And Risk Groups, Helping Them Embrace Best Practices In; Governance, Finance, Operations, Risk & Compliance, Ict Control And Security.
Prior To Eclof Kenya, Raphael Worked In The Microfinance Sector As A Senior Regional Internal Auditor With The Aga Khan Foundation Agency For Microfinance (Akam) Programs, Covering Kenya, Tanzania And Mozambique, Between October 2007 And September 2012. He Served As Finance & Administration Manager At Nairobi Imaging Centre Ltd (Media Firm) And As Audit Associate With Nova Associates Cpa/Cps Kenya (Accounting And Secretarial Firm).
Raphael Holds A Double Major Bachelor Of Commerce Degree (Finance & Accounting) From Strathmore University, He Is A Certified Public Accountant (Cpa) Kenya, Licensed Practitioner As Certified Information Systems Auditor (Cisa), Certified In Cobit 5 (A Framework For Governance Of Enterprise It) And Certified In Data Analytics (Idea & Qlikview). Raphael Is A Member Of Icpak And Isaca Professional Bodies (In Good Standing).
Furthermore, He Has Successfully Served The Professional Community In Various Categories Including At Isaca Kenya; Election Committee (2016), Fundraising Committee (2013/2014), Membership Committee (2015/2016) And At Isaca International; As Mentor, Expert Reviewer For Cobit 5 (Risk Scenarios) And A Frequent Contributor In Several White Paper Reviews. In The Course Of His Professional Work, Raphael Has Been A Trainer, Coach And Mentor To Many Successful Professionals Across The Financial Services Industry.
Geoffrey Okochi is the Business Development Manager at ECLOF Kenya. He brings over 15 years of progressive experience in financial services, operations management, and business development across the microfinance and fintech sectors. Geoffrey currently leads the diversification and expansion of ECLOF’s business lines, including micro individual loans, digital microinsurance, mobile-based lending, and agri-value chain financing. He also plays a key role in strategic partnership development, digitization, and impact-driven initiatives.
Before rejoining ECLOF Kenya, Geoffrey served as Head of Operations at Ed Partners Africa, where he was instrumental in designing and implementing the digital transformation to create efficiency in processes. He previously held multiple roles at ECLOF Kenya, including Senior Credit Risk Officer, where he led the development and rollout of the SME lending model and conducted extensive training for staff across the network.
Geoffrey holds a Bachelor of Science degree in Microbiology from Moi University and is currently pursuing a Master of Business Administration (MBA) in Strategic Management at Kenyatta University. He is an Associate of the Kenya Institute of Bankers (AKIB) and has additional certifications in credit management, debt recovery, and financial literacy facilitation. His professional strengths lie in strategic planning, operational efficiency, digitization, and delivering sustainable growth through inclusive finance.