Dr lydiah Saina

Accomplished Banking professional focusing on agribusiness and SME Financing with 15 years of experience supporting Commercial Banks to set up and grow SME and Agribusiness portfolios up to USD 150 M. Expert in Strategy Development and Execution, Product Development, Business Development, Partnership Development, Relationship Management, and people management. Has financed over 3000 SMEs and Agribusiness stakeholders.

Experienced

Banker in driving Agriculture and SME Sector Business Growth, Relationship Management, Portfolio Management, and Project Management.

Experienced Business

Executive with a record of achieving ambitious business quotas within financial services sectors in Kenya.

Managing Director - CAMISA Company Limited - Kenya

(2022-01 - 2025-12)

Established and running CAMISA Company Ltd as the Managing Director. Camisa Consultancy focuses on providing specialized Financial consultancy services for SMEs and agribusiness enterprises. Established and running BIRCA CAPITAL, a microfinance company servicing Employees, SMEs and general trade.

HEAD OF AGRIBUSINESS - National Bank of Kenya - Nairobi, Kenya

(2018-06 - 2022-05)

• Managing a portfolio of USD 75 M in Assets and USD 40M in liabilities
• Delivered cumulative profitability of USD 10 M Profitable and services
• Developed and implemented Agribusiness strategy
• Expanded the bank's market share to 20% with increased brand loyalty
• Managed budgets to meet customer dynamics through innovative products
• Achieved and maintained PAR at below 9% which reduced credit risk exposure
• Grew portfolio size by Kes. 600M by onboarding new customers, which increased revenues and profitability from the uptake of agriculture products

GENERAL MANAGER – SERVICE QUALITY & PROCESS - National Bank of Kenya - Nairobi, Kenya

(2015-01 - 2017-03)

• Led fit-for-purpose and customer-centered service
• Lead in planning, designing and execution of the service model
• Coordinated multi-disciplinary teams which lead to improved service quality in the business
• Reduced AHT, Call abandonment, and enhanced FCR improvement to provide accelerated resolution and improved service levels
• Reduced Customer complaint incidence by 60% by implementing a robust process for complaint resolution and reviewing service benchmarks to streamline procedures

GENERAL MANAGER – PRODUCTS & SEGMENTS - National Bank of Kenya - Nairobi, Kenya

(2013-05 - 2014-04)

• Formulated and executed the strategic agenda for Banking products and segments to maximize growth, market share and profitability of Retail products and customer segments
• Translated novel ideas into opportunities for products and improving existing products, through market research, developing product papers
• Managed product projects throughout the lifecycle and monitored product performance for sustainability and meeting of customer needs
• Developed and executed segment-led product management
• Developed policies and operating framework for product development in the Bank based on best practice and within relevant guidelines

HEAD SME & AGRIBUSINESS - Kenya Commercial Bank - Nairobi, Kenya

(2012-04 - 2013-06)

• Drove customer-led proposition for the SME segment by developing value customer category strategies, to build a loan book of upto USD 50M
• Maximized profitability by developing and executing segment-led, product management
• Developed policies and operating framework for product development in the Bank based on best practice and within relevant guidelines
• Transitioned organization on to a customer-led and value managed business model

AGRIBUSINESS DEVELOPMENT MANAGER - KCB - Nairobi, Kenya

(2011-01 - 2012-03)

• Developed, implemented and delivered Agribusiness strategy, and annual plans across business
• Build an asset portfolio of USD. 10M
• Build a Liability book of USD 7M
• Grew market share in the Agribusiness segment by 10%
• Achieved and maintained Agribusiness portfolio quality within acceptable credit risk exposure as per international standards (below 8%)

Doctor of Business Administration - DBA - Washington International University (2007-01 - 2009-12)

Professional Post Graduate Diploma - Marketing - Chartered Institute of Marketing (CIM UK) (2007-01 - 2009-12)

Master of Business Administration - Marketing - Moi University (2007-01 - 2007-12)

Bachelor of Business Administration - Marketing - Kenya Methodist University (2004-12)

Certificate - Agribusiness Finance & Insurance