CURRICULUM VITAE

Ms. Rose Mwaniki Microfinance & Rural Finance/Client Protection/SPM Expert

P.O Box 69883 – 00400 Nairobi, Kenya.

Tel : +254722843944 Email : mwarose@gmail .com

RM – Profile & Detailed CV 2

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 Micro Finance Development: Rose has 14 years of hands on experience in managing microfinance business – micro credit, savings and micro insurance and 10 years in consulting with NGOs, Donor institutions, microfinance institutions, SACCOs and other financial institutions in the key areas of: design, implementation and management credit programs including housing; market research and product development; pilot testing and evaluation of both financial products and institutions; operating systems for MFIs and SACCOs; strategic business planning both short and medium term and training of operational, management and boards of FSPs. Experience in Financial Products Development, Pilot Testing, Evaluation & Training: Rose has practical experience in undertaking qualitative market research to identify MFIs’ clients needs to inform the development of new products and reengineer existing one in various sectors: business, agriculture (crop and animal value chains); and incremental housing projects (K-Rep Development Agency) in Kenya and other African countries. She has been involved in design, pilot testing, monitoring and evaluating financial products modeled towards Asset Building and Unlocking Financial Access for low-income groups in housing and rural based finance. She trains MFI Boards, managers and operations staff on design and implementation of microfinance. She is a faculty with School of Africa Microfinance an African Wide School and trains on Delinquency Management. Experience Business Development Services development: She has been directly involved in the design and management of various BDS USAID funded programs in Kenya for the past 10 years. This has given her an opportunity to experiment with different BDS implementation approaches. Specifically she has provided technical services in the commercialization of smallholder horticultural farmer groups through market linkage to formal markets; she has been the team leader in coordinating and managing of different fruit and vegetable value chains. Through her company, Business Renewal Consult – Rose has been contracted by: Fintrac Inc., IFAD AFRACA, FARM AFRICA to design and provide capacity building and technical services to their partner staff, managers and board members in BDS and financial education both in Kenya and Tanzania. Experience in Social Performance Management: Rose is one of AMFI SPM consultant under a mentorship program by a senior consultant from Smart Campaign. The consultant supported the implementation of SPM in 7 MFIs in Kenya with particular emphasis on the client protection principles and financial education. 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. Rose is an Accredited Smart Campaign Support Assessor & Lead Trainer in Institutional Assessment in CPPs (Client Protection Principles). She has hands on experience in training and conducting assessments on social performance and social audit. Countries of Experience: Rose has undertaken consulting assignments in the following countries: Kenya, Uganda, Tanzania, Rwanda, Ghana, South Africa, Democratic Republic of Congo, Senegal, Cameroon, Zambia, Namibia and Swaziland. Specialization: Microfinance, Rural Finance/SPM Consultant/Trainer

RM – Profile & Detailed CV 3

DETAILED CURRICULUM VITAE

MS. ROSE MWANIKI Profession: Micro Finance /Rural Finance Specialist/Trainer E-mail Address mwarose@gmail.com P.O Box 69883 – 4000 - Nairobi, Kenya Cell: +254722-843944 +254735843944 KEY QUALIFICATIONS

Mrs. Rose Mwaniki is a Micro/Rural finance specialist with more than 14 years of hands on experience in managing microfinance business in Kenya and 10 years in consulting with various organizations within Sub-Saharan Africa. Rose has 14 years of hands on experience in managing microfinance business – micro credit, savings and micro insurance and 10 years in consulting with NGOs, Donor institutions, microfinance institutions, SACCOs and other financial institutions in the key areas of: design, implementation and management credit programs including housing; market research and product development; pilot testing and evaluation of both financial products and institutions; operating systems for MFIs and SACCOs; strategic business planning both short and medium term and training of operational, management and boards of FSPs. Experience in Financial Products Development, Pilot Testing, Training & Evaluation: Rose has practical experience in undertaking qualitative market research to identify MFIs’ clients needs to inform the development of new products and reengineer existing one in various sectors: business, agriculture (crop and animal value chains); and incremental housing projects (K-Rep Development Agency) in Kenya and other African countries. She has been involved in design, pilot testing, monitoring and evaluating financial products modeled towards Asset Building and Unlocking Financial Access for low-income groups in housing and rural based finance.. She has wealth of experience in design, training and implementation of youth financial products as well as in offering financial literacy courses to youths. 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 audit for microfinance institutions. Rose is one of AMFI SPM consultant under a mentorship program by a senior consultant from Smart Campaign. The consultant supported the implementation of SPM in 7 MFIs in Kenya with particular emphasis on the client protection principles and financial education. 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 and for Rwanda Microfinance Industry in 2017. 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 4

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 Deve lopment 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 2017 Smart Asses sor & Trainer – Contrac t ed by Oiko Cred i t In t ernat iona l to conduc t

a r e f r e sher CP tra in ing and fa c i l i ta t e the des i gn o f a po l i c y on Mechanism for c l i en t compla in t r e so lu t ion fo r i t s par tner Cleman Ejo Heza in Rwanda – October 2017

2017-2018 Lead Smart Asses sor & Trainer – Contrac t ed by Oiko Cred i t In t ernat iona l to

conduc t Smart Asses sor s CP tra in ing and l ead in a Smart Accompanied Assessment and moni tor ing o f CP implementat ion by i t s par tner Musoni MFI in Kenya – September 2017 – Apri l 2018.

2017 CP Consu l tant – Contrac t ed by Seep Network to fa c i l i ta t e a gap analys i s s tudy

on the Rwanda Micro f inance indus try l ev e l mechanism for c l i en t compla in ts r e so lu t ion as curren t ly opera t ed by the Assoc ia t ion o f Micro f inance Ins t i tu t ions and make r e commendat ions on to make i t more e f f e c t i v e – September 2017

2017 Lead Smart Asses sor – Contrac t ed by Seep Network to under take a Cl i en t

Pro t e c t ion Asses sment o f a Micro f inance Ins t i tu t ion and deve lop work p lans wi th 3 o ther asse s s ed ins t i tu t ions in Rwanda – May-June 2017

2017 Lead Trainer – Des igned and de l iv e r ed de l inquency management t ra in ing fo r 122

KWFT DTM Bank Unit , branch and reg iona l managers – Apri l -May 2017 2017 Lead Trainer – Fac i l i ta t ed the t ra in ing o f Micro -Save Consu l tants in Cl i en t

Pro t e c t ion Pr inc ip l e s and Cl i en t Pro t e c t ion Asses sment – March - Apri l 2017 2017 SPM Consu l tant – Cl i en t Pro t e c t ion Assessment – UFC Rwanda – was l ead

Assessor dur ing the r ev i ew o f CPP implementat ion wi th in the MFI. March – Apri l 2017

2016 Lead Consu l tant – Vege tab l e , Frui t & Dairy Value Chain Financ ia l needs

ana lys i s in 6 Count i e s in Kenya for MESPT – November/December 2016 2016 Lead Consu l tant – Dairy Value Chain Financ ia l needs ana lys i s in Eldore t ,

Uas in Gishu County , Kenya for Oppor tuni ty In ternat iona l – Oct -Nov 2016 2016 Lead Trainer – Respons ib l e Inc lus iv e Finance In troduc tory Tra in ing – fa c i l i ta t ed

in the t ra in ing o f 16 CEOs/Senior Managers o f Micro f inance on Respons ib l e Finance fo r SPTF (Soc ia l Per formance Task Force ) Kiga l i , Rwanda–June 2016

2016 Team Leader – Train ing Needs Asses sment , des i gn and de l iv e ry o f So f t Ski l l s

t ra in ing fo r Masons – contracted by Habitat for Humanity – May – June 2016 2015-2016 SPM Consu l tant to fa c i l i ta t e the r ev i ew and upgrading o f indus try wide c l i en t

compla in t mechanism for AMFIU – contracted by SEEP NETWORK– Sept 2015 – Feb 2016.

2015 Lead Trainer – des ign & de l iv e ry o f Midd le/branch managers o f Juhudi Ki l imo

MFI in Kenya– contracted by Grameen Agricole Microfinance Foundation – October 2015 2015 Lead Trainer – des ign & de l iv e ry o f Ef f e c t i v e MFIs and Saccos Corporate

Governance t ra in ing– contracted by MESPT– October 2015

RM – Profile & Detailed CV 7

2015 Lead Trainer – des ign & de l iv e ry o f micro f inance opera t ions management t ra in ing

fo r Saccos– contracted by MESPT in June 2015 2015 Lead Consu l tant , Rev i ew , Reeng ineer and deve lop new agr i cu l ture f inanc ia l

produc t s & tra in ing managers/s ta f f on s e l e c t ed produc t s p i lo t - t e s t ing – contracted by Oiko Credit, East Africa Region for YEHU Microfinance – May-June 2015

2014 - 2015 Lead Consu l tant , Rev i ew o f In t erna l Proce s s e s and agr i cu l ture based f inanc ia l

produc t s – 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 Consu l tant , Opera t ing Sys t ems Des ign & sta f f , managers and board

t ra in ing – 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 Chie f Tra iner , Branch Manager Tra in ing – contracted by Stromme East Africa to train 72

branch managers of its Partner Institutions in Kenya – September – October 2014. 2014 Del inquency Management Tra iner – contracted by School of Africa Microfinance (SAM) to

train managers/staff of Microfinance institutions and other financial institutions – September 2014. 2014 Value Chain deve lopment Tra iner – contracted by Microfinance Unit – Swaziland to train

46 stakeholders on value chain analysis and development for agriculture business – September 2014. 2014 Group Based Cred i t Tra iner – 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. 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 Stra t eg i c Bus iness P lan 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 Consu l tant , 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 Consu l tant – Jan – Apri l 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 Rura l Finance Spec ia l i s t - 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 – Deve lopment o f a 3 -Year Agr ibus iness Stra t eg i c Bus iness P lan 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 – Del inquency Management Course – School of Microfinance (SAM) 2013 Team Leader – Deve lopment o f a 5-Year Stra t eg i c Bus iness P lan for BIMAS by

RM – Profile & Detailed CV 8

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 Superv i s ion & Implementa t ion Suppor t Miss ion –Rwanda June-Ju ly 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 Pro j e c t Ju ly 2011-December 2013; supporting of 7 Microfinance Institutions

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

2011-2013 Capac i ty bu i ld ing o f USAID - KHCP pr iva t e par tner organizat ions and

communi ty based l eaders , Apri l 2011 – Apri l 2013; needs assessment, design, development and delivery of training to partner staff, managers, board and smallholder farmers.

2010-2011 Financ ia l Consu l tant – USAID - Tanzania Agr i cu l ture Produc t iv i t y Program

(TAPP) Ju ly 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 Train ing o f Mercy Corps Fie ld Managers in Financ ia l Li t e racy - Ju ly 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 Capac i ty bu i ld ing o f Canyon Rura l Cred i t f i e ld o f f i c e r s , 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 Fina l Evaluat ion o f Mbonweh Women’s Sav ings and Loan Coopera t iv e Soc i e t y

(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 Capac i ty bu i ld ing o f KHDP-USAID pr iva t e par tner organizat ions and

communi ty based l eaders , 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 o f Micro f inance Evaluat ion , IFAD Tanzania , August 2009; part of the

evaluation mission team for IFAD Rural Financial Services Project as a micro finance expert. 2008 Market Resear ch and Deve lopment o f a growth Orien t ed loan Produc t , 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 Stra teg i c P lan and Bus ines s Deve lopment September & October 2008; facilitated the

development of strategic plans for Marang Financial Services – South Africa and Jitegemea Credit Scheme, Kenya..

RM – Profile & Detailed CV 9

2008 Deve lopment o f commerc ia l f i e ld v ege tab l e produc t ion , d i s t r ibut ion and market ing fo r East Afr i can 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 Operat ions s ta f f and management Tra in ing – 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 Evaluat ion/Loan Por t fo l io Audi t ; Board and management capac i ty bu i ld ing – for

SISDO Microfinance Institution, Kenya January 2008. 2007 Fundamenta l s o f Micro f inance : Customer based t ra in ing fo r Coopera t iv e Bank o f

Kenya Agr i cu l tura l suppor t managers and Sacco managers/Commit t e e members . Designed training materials and delivered two trainings in the months of October and November 2007.

2007 Evaluat ion/Market Resear ch s tudy ; – Ju ly & August , 2007: Re-designed an

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

2007 - 2008 Group Capac i ty Bui ld ing , o f var ious USAID-KHDP Hort i cu l tura l Bus iness

g roups wi th in 6 prov ince s 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 Eff e c t i v e Fac i l i ta t ion : In t egra t ing producer s in to sus ta inab le va lue cha ins : MDI

BDS Train ing – 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 and Financ ia l Serv i c e s Opera t ions Tra in ing( 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 Financ ia l Analys i s , In t erpre ta t ion and Use Train ing – Themat i c Workshop for

INAFI Afr i ca Member Ins t i tu t ions – Accra , Ghana, Ju ly -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 Bus iness Deve lopment Serv i c e s (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 Pi lo t Scheme Des ign & Implementat ions (South Afr i ca ) –

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 10

2003-04 Techni ca l Advisor , UNDP/Government o f Ghana - Micro Finance Ins t i tu t ions

Capac i ty Bui ld ing 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:

LeahWardleSPM/UniversalStandardSpecialistSmartCampaignlwardle@accion.orgwardle.leah@gmail.com

BintouKaNiangDirectorResponsibleFinanceseepnetwork.orgP:+221.77.486.4445S:bkaniang|T:@TheSEEPNetwork

AndreaDomínguezGlobalcapacitybuildingfinancialservicesProgramcoordinatorOikocreditInternational+31 6 55483963 adominguez@oikocredit.org