Teresia Muchiri

Results-driven business leader with 7+ years of progressive experience in microfinance, insurance, and financial services. Proven track record of scaling operations from zero to Kes. 50M portfolio, reducing risk exposure by 15%, and building high-performing teams. Expertise in financial controls, KPI frameworks, regulatory compliance, and data-driven decision-making. Trusted advisor to C-suite leadership with demonstrated ability to translate financial data into strategic business outcomes.

Business & Operations Manager at TUNDAR CAPITAL LIMITED (2024-02 – Present)

• Scaling operations from inception to Kes. 50M loan portfolio across 3 branches (Westlands, Mwea and Karatina) within first 12 months
• Reduce default rates by 15% through implementation of robust risk management frameworks and credit controls
• Lead and mentor a team of 10+ staff, establishing performance metrics and development structure that improves productivity
• Drive 40% increase in digital engagement by coordinating targeted marketing campaigns and referral programs
• Expand footprint by 2 new branches through strategic business development and stakeholder partnerships
• Maintain 100% regulatory compliance while managing 1,500+ loan disbursements and Kes. 50M cash flow
• Cut processing time by 25% via ERP system implementation and workflow optimization
• Sustain 95% customer satisfaction while onboarding 1,200+ clients with streamlined verification processes

Senior Insurance Risk & Underwriting Analyst at SITU INVESTMENTS LIMITED (2022-07 – 2023-07)

• Achieved 99% underwriting accuracy through rigorous risk assessment protocols and compliance adherence
• Reduced policy review time by 35% by enhancing data collection methodologies and reporting systems
• Informed C-suite strategy by presenting market trend analysis and financial insights to senior leadership
• Optimized underwriting strategies to align policies with evolving market conditions and risk appetite

Accountant at SITU INVESTMENTS LIMITED (2021-03 – 2023-07)

• Reduced financial discrepancies by 20% through enhanced budgeting, forecasting, and variance analysis
• Built financial models to support executive decision-making and improve organizational transparency
• Achieved 100% compliance in internal audits, strengthening operational credibility and controls

BSc. in International Business Management – KCA University (2023 – 2026-11)

Certificate of Proficiency in Insurance in Insurance – College of Insurance (2021)

Certified Public Accountant in Accounting – KCA University (2019)