THE FULL PORTFOLIO

Work. Execution. Results.

Detailed briefs on my work, execution and results in digital business, payments, financial products and technology.

12 case studies

iTrust Finance2025 — 2026

Strategy

Growing an investment business through digital channels

Head of Digital Business

Work: Connect digital products and customer journeys to the growth of an investment business.
Execution: Led digital strategy, mobile and web launches, customer-journey improvements, and bank and MNO partnerships.
Results: Customers grew from 2,300 to 30,000+; AUM increased from TZS 120B to TZS 510B during my tenure.

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WakandiJuly 2024 — August 2025

Operations

Improving onboarding and customer operations

Operations Manager

Work: Improve onboarding, support, and customer operations across an East African financial-services platform.
Execution: Redesigned processes, led operations teams, coordinated partners, and used service data to guide improvements.
Results: 25% shorter onboarding time, 15% shorter process times, 20% higher satisfaction, and 10% higher retention.

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Malipopay2017 — 2022

Payments

Connecting a fragmented payments ecosystem

Chief Technology Officer, Lockwood Technology

Work: Bring multiple payment partners and services into a unified gateway.
Execution: Directed architecture, led bank and mobile-money integrations, and coordinated development and vendor teams.
Results: Delivered Malipopay with bank, MNO, Mastercard, GePG, and TRA integrations.

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Kikoba2017 — 2022

SavingsProduct

Bringing group savings onto mobile channels

Chief Technology Officer, Lockwood Technology

Work: Give Vikoba and VSLA groups a practical digital way to manage savings.
Execution: Led the mobile product, connected payment functions, and coordinated development from concept to delivery.
Results: Built and scaled a platform for digital contributions, lending, and group financial management.

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KIJUMBE2017 — 2022

SavingsPayments

Making Upatu savings accessible through USSD

Chief Technology Officer, Lockwood Technology

Work: Provide a digital savings channel for informal Upatu groups.
Execution: Led the USSD product and coordinated development with M-Pesa and Absa Bank.
Results: Delivered a USSD savings solution that does not require a smartphone app.

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Mwendopesa2017 — 2022

LendingProduct

Designing working-capital access for informal businesses

Chief Technology Officer, Lockwood Technology

Work: Help informal-sector businesses access capital for daily operations.
Execution: Developed the lending product, mobile app, supporting dashboard, and USSD channel.
Results: Delivered a working-capital platform for customers including bodaboda riders and Mama Lisha vendors.

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WakandiMarch 2023 — July 2024

ResearchProduct

Turning SACCO needs into digital product requirements

Business Analyst

Work: Translate SACCO business processes into requirements for a digital financial platform.
Execution: Interviewed stakeholders, specified configurations, aligned teams and partners, and designed testing frameworks.
Results: Requirements for 250+ SACCOs supported CAMS transitions and the development of mobile, USSD, and web services.

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AkeoMarch 2022 — March 2023

EngineeringProduct

Coordinating core banking development across three countries

Senior Software Engineer

Work: Build and improve core banking software while aligning a distributed development organisation.
Execution: Wrote specifications and code, coordinated 60+ developers, reviewed implementations, and mentored engineers.
Results: Delivered client-led core banking enhancements, technical specifications, and coordinated engineering execution.

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Jikite2017 — 2022

Product

Creating a digital platform for care and service work

Chief Technology Officer, Lockwood Technology

Work: Express Jikite’s care, service, and domestic-work mission through a useful digital platform.
Execution: Led design and development in collaboration with the client and delivery team.
Results: Launched the platform; client feedback highlighted the quality of collaboration and sector focus.

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Mwalimu Nyerere Academy2017 — 2022

EngineeringPayments

Connecting student administration with institutional services

Chief Technology Officer, Lockwood Technology

Work: Support academic administration through an integrated student information system.
Execution: Worked with vendors and client IT teams and integrated GePG, NACTE, and NECTA APIs.
Results: Delivered a student system connected to key institutional and payment services.

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Saimal CommunicationsJuly 2019 — December 2020

EngineeringResearch

Building secure data tools for health and development programmes

System Support Engineer

Work: Provide reliable data tools for health and development programmes.
Execution: Built custom collection and analysis systems, introduced security controls, and worked with programme partners.
Results: Delivered programme-specific tools, protected data workflows, and analysis supporting SBCC initiatives.

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NalaJuly 2018 — May 2019

ResearchStrategy

Bringing user and market evidence into product decisions

Market Analyst

Work: Connect user needs and market evidence to product and business decisions.
Execution: Led user-feedback sessions, analysed competitors and markets, and collaborated on product designs.
Results: Delivered research insights, an intelligence database, and customer-informed user flows and prototypes.

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