Nahashon Njihia

As a critical-thinking and resourceful financial analyst, I bring proven expertise in financial management, particularly within the financial sector. My professional journey spans from banking, where I have successfully developed and implemented innovative solutions. I am an adaptable and proactive leader, known for providing data-driven technical solutions.

My collaborative, decisive, and analytical approach, combined with strong attention to detail and intellectual curiosity, enables me to effectively communicate and resolve financial issues.

Branch Manager, Thika - U&I Microfinance Bank, Kenya - Thika, Kenya

(2025-11)

Identified cost-saving opportunities and revenue leaks to improve branch margins. Currently mentoring the sales team through weekly field coaching and performance reviews. Assessing current credit appraisal workflows to enhance turnaround time and quality through:

• Loan Book Growth from KES 450 Million to KES 462 Million
• PAR reduction from 12.3 – 7.6%
• Staff supervised: 21

Consultancy Services - Parkin Properties Limited, Nairobi, Kenya - Nairobi, Kenya

(2024-08 - 2025-11)

Provided strategic advisory services to support the company's growth and capital market positioning.

• Advising and guiding the process of listing on the Nairobi Securities Exchange (NSE)
• Facilitating the structuring and implementation of Income Real Estate Investment Trusts (I-REITs), enabling capital expansion and investor access
• Offering tailored consultancy on regulatory compliance, market readiness, and long-term financial sustainability
• Worked with 13 Head of Departments (HODs)
• Mobilization for KES 1.4 Billion for an IRET through Capital Markets Authority CMA & NSE

General Manager – HQ Thika - Jungle Nuts Holding Limited, Kenya & USA - Thika, Kenya & USA

(2022-05 - 2024-08)

Managed financial and technical operations to enhance efficiency and profitability. Responsible for securing funding, driving strategic goals, overseeing budget planning, and fostering business relationships while mentoring the team.

• Fintech Development: Contributed to the J Hela Fintech solution, serving over 1,000 employees and 100,000 farmers, with annual loan disbursements over $3 million
• Export Success: Achieved an export target of 400,000 tonnes per annum, enhancing revenue and market presence
• Fundraising Leadership: Led initiatives that aligned with the strategic plan, ensuring financial goals were met and supporting sustainable growth
• Portfolio: KES 3.4 Billion
• Staff: 20 Head of Departments (HODs)
• Total Staff: 1,500

Regional Manager - ECLOF- International, Thika / Mt Kenya Region - Thika / Mt Kenya Region, Kenya

(2015-02 - 2022-04)

Provided microfinance services to small and medium-sized businesses, ensuring compliance with policies and internal controls. Enhanced customer relationships and promoted a sales-oriented culture through coaching. Led regional sales initiatives and developed a high-performing team through training.

• Data-Driven Growth: Analyzed sales data to drive regional performance and expansion plans
• Customer Relationship Improvement: Established an office to address customer feedback
• High Staff Retention: Achieved over 95% staff retention by fostering a positive work environment
• Innovative Risk Management: Introduced strategic methods for calculated risk-taking
• Loan Book Growth from KES 320 Million - KES 567 Million
• PAR reduction from 13.1 – 6.4%
• Staff Supervised: 43 with 8 Branch Managers

Branch Manager - Jamii Bora Bank, Thika - Thika, Kenya

(2013-05 - 2015-02)

Managed bank branch operations, ensuring compliance and overseeing budget performance. Fostered customer relationships, led business growth initiatives, and developed a high-performing sales team through training.

• Talent Development Program: Introduced weekly talent sessions to share best practices
• Best Practices Tool Development: Created a checklist to ensure adherence to industry standards
• Award Recognition: Achieved the Best Branch in Internal Controls award in 2011
• Loan Book Growth from KES 380 Million to KES 617 Million
• PAR reduction from 9.7 – 3.2%
• Staff supervised: 23

Branch Manager - Faulu Microfinance Bank, Thika - Thika, Kenya

(2007-11 - 2013-05)

Oversaw bank branch operations, ensuring compliance with ethical standards and regulatory requirements, including KYC and AML. Managed portfolio risks, ensured adherence to policies, and maintained timely reporting and adequate cash levels.

• Mobile Money Implementation: Contributed to testing the Mpesa platform with business clusters
• Customer Training Leadership: Led training sessions on financial management and budgeting
• Loan Book Growth from KES 70 Million – KES 550 Million
• PAR reduction from 7.2 – 3.8%
• Staff Supervised: 25

Senior Credit Officer - Faulu Microfinance Bank, Thika - Thika, Kenya

(2005-06 - 2006-12)

Served as Senior Credit Officer, supporting credit officers and championing branch recovery to maintain a healthy loan portfolio. Ensured timely loan disbursements and drove growth in SME and microloan offerings. Mentored new credit officers and assisted the branch manager with assignments.

• Portfolio Quality Improvement: Led initiatives to enhance loan portfolio quality, reducing default rates
• SME and Microloan Growth: Contributed to branch loan book growth through targeted SME and microloan strategies

Senior Credit Officer - Faulu Microfinance Bank, Thika - Thika, Kenya

(2003-11 - 2005-12)

Worked as a Credit Officer, focusing on client mobilization through group formation and marketing products. Conducted loan assessments, provided group training, and managed disbursement and collections to ensure portfolio quality. Acted as a liaison between the company and the public.

• Client Mobilization: Formed and mobilized client groups, enhancing community engagement & credit access
• Effective Training: Developed training sessions to improve loan understanding and responsible borrowing

Bachelor of Business Administration - Marketing - Kenya Methodist University (2016)

Diploma - Co-operative Management (Credit Unions) - Co-operative University College of Kenya (2003)

Kenya Certificate of Secondary Education - KCSE - Gituru High School (1998)