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.
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.
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
Geoffrey Okochi is the Head of Business Development and Credit Administration at ECLOF Kenya. He brings over 15 years of progressive experience in financial services, microfinance, and digital transformation, with a strong track record in business growth, credit risk management, and operational leadership. In his current role, Geoffrey leads the institution’s growth and diversification agenda while also overseeing credit administration and debt recovery functions, ensuring a balanced focus on portfolio expansion, asset quality, and long-term sustainability. He is responsible for driving the growth of key business lines including micro individual loans, digital micro insurance, mobile-based lending, and agribusiness financing, while strengthening credit processes, portfolio monitoring, and recovery strategies.
Geoffrey has played a pivotal role in advancing product innovation and digitization, including the rollout of mobile-based lending solutions, development of digital micro insurance frameworks, and implementation of systems that enhance efficiency, customer experience, and data-driven decision-making. He continues to lead strategic partnerships, fundraising initiatives, and market expansion efforts that deepen outreach and improve financial inclusion for underserved communities.
Before rejoining ECLOF Kenya, Geoffrey served as Head of Operations at Ed Partners Africa, where he spearheaded core banking system implementation and broader digital transformation initiatives to streamline processes and improve turnaround times. He previously held several roles at ECLOF Kenya, including Senior Credit Risk Officer, where he led the rollout of SME lending and conducted extensive capacity building across the institution.
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 holds certifications in credit management, debt recovery, and financial literacy training. His professional strengths lie in strategic leadership, credit and risk management, digitization, and delivering sustainable growth through inclusive finance.
Nancy Mutua is a communications and executive support professional with over a decade of experience in corporate communications, stakeholder engagement, and administration. She serves as Executive Assistant to the CEO and Communications Manager at ECLOF Kenya, where she leads communication strategy, brand positioning, and stakeholder engagement.
She has played a key role in strengthening the organization’s visibility, digital presence, and internal communications, while supporting senior leadership in driving strategic initiatives. Nancy’s expertise spans corporate communication, customer relationship management, event coordination, and board-level support.
She holds a Bachelor of Arts in Communication (Public Relations) and a Diploma in Secretarial Studies, and is a member of the Public Relations Society of Kenya (PRSK). She has also undertaken professional trainings in management, leadership communication, and executive support.
SCOLA WAMBUI
An experienced and results-driven Certified Human Resource Professional (CHRP) with over 15 years of progressive experience in human resource management, organizational development, and strategic leadership.
Holds a Master of Business Administration (MBA) in Strategic Management from Africa Nazarene University and a Bachelor of Business Administration (Human Resource) from Kenya Methodist University, complemented by a Higher Diploma in Human Resource Management from the Institute of Human Resource Management.
A full member of the Institute of Human Resource Management (IHRM) and a Board Member at ECLOF Sacco, bringing strong governance, leadership, and strategic oversight capabilities. Demonstrates a proven track record of rising through the ranks at ECLOF Kenya from an administrative role to Human Resource Manager, reflecting dedication, resilience, and professional excellence.
Possesses extensive expertise in HR strategy formulation and execution, policy development, performance management systems, talent acquisition and retention, organizational restructuring, employee relations, compensation and benefits design, and HR compliance. Adept at aligning human capital strategies with organizational goals, driving change management initiatives.
Recognized for strong leadership and people management skills, with the ability to mentor, coach, and build cohesive teams that deliver results. A strategic thinker with sound decision-making capability, able to navigate complex HR environments while maintaining professionalism, integrity, and adherence to organizational values.
Self-driven, resourceful, and solution-oriented professional with the ability to manage multiple priorities under tight deadlines. Demonstrates excellent communication, interpersonal, and presentation skills, alongside a strong understanding of HR information systems and proficiency in Microsoft Office tools.
A committed change agent who promotes organizational growth through effective communication, employee engagement, and continuous improvement of HR systems and processes. Passionate about enhancing employee experience, strengthening organizational capacity, and contributing to sustainable business.
Nicholas Ngethe ICT Manager
14 Years in Banking & Microfinance Technology – Experienced ICT professional with extensive leadership in banking and microfinance environments, having held key roles at ECLOF Kenya and Fidelity Commercial Bank (now SBM Bank), delivering secure and reliable technology solutions that support financial services operations.
Active member of Information Systems Audit and Control Association (ISACA) Kenya Chapter and Data Management Association (DAMA)