1. VICTOR WILLIAM MALU
P.O Box 396-00502, Nairobi
Tel: 0722 516 187
E-mail: v.w.malu@gmail.com
A Top Performing Business leader and Change Manager with over (20+) years of
experience supporting the analysis and process improvement initiatives for financial
processes and systems. I have a proven track record delivering and implementing
financial solutions and systems to large organisations. I have demonstrated the ability to
provide transformational change across a range of operational areas for both the public
and private institutions including process re-engineering, financial solutions, e-process
mapping, process automation and system enhancements. My goal is to accelerate
Financial Inclusion by offering mutually beneficial and Innovative Channels that create
business value for the institution and enhance the availability, accessibility, and
affordability of financial services to the marginalised and rural communities.
Personal Details:
• Date Of Birth: October 11th
1964
• Languages: Proficient in English and Kiswahili
Education and Professional Qualification:
• Making Markets Work for the Poor – (M4P) – Glasgow UK, 2012
• Diploma-Advanced Management Programme , Strathmore University /University
of Navarra, Barcelona, Spain, 2006;
• Project Manager ( Prince 2), UK Govt Accredited Practitioner (Change), Cairo –
Egypt, 2004;
• Bachelor of Commerce Degree, First Class Honors – Accounting Major, Audit
Minor, University of Poona , India, 1985 to 1988
• A Levels, Kenya Polytechnic-Nairobi, Kenya, 1982 to 1983
• Kenya Certificate of Secondary Education, Lenana School-Nairobi, Kenya, 1978 to
1981
Key Professional Skills and Competencies:
• Commercial – Excellent understanding of banking industry and latest trends in
Channel Management, Strategy & Innovation; ability to “think outside of the box”.
• Pro-active with strong work ethic – able to develop, agree and execute a relevant
and stretching program of work with clear outcomes within general role objective.
• Financial professional – excellent understanding of principles of financial control
and audit for technology application and financial control production processes
and the practical application of these principles.
• Leadership – Demonstrable ability to develop agreement of what needs to be done
and to marshal appropriate resources outside of direct control to get this done.
• Teamwork – Able to work effectively both cross-functionally and within own
team balancing needs, priorities and resources of matrix line and functional line.
• Track record of building cross-functional relationships and influence with
expertise in strategy development, implementation and commercial management
skills.
1 | P a g e

2. • Competent in Organizational change, Analyzing situations, Process
improvements and Risk management
• Experienced in Budget management, Business Analysis , Risk modeling, Change
controls, Quality frameworks and Business process migration
• A strong knowledge of financial/management accounting, analysis techniques
and sales channel development.
• Have held regional responsibility and implemented Projects in other Countries.
PROFESSIONAL EXPERIENCE
Head, Future Financial Systems;
FSD Kenya, June 2011 to Date;
Duties and Responsibilities:
• Responsible for identifying opportunities for financial market development.
• I take lead in developing and managing a portfolio of projects under the formal
financial system theme area.
• Manage the dissemination of results from projects to maximize impact
• Manage resources required to implement projects
• Participate in effective management of wider FSD program
• In charge of Marketing FSD Kenya’s program to high potential partners across the
private sector, non-profit institutions and government
• Develop appropriate project investment packages to support (including co-
financing arrangements where required) and prepare project appraisal reports for
presentation to FSD’s program investment committee
• Support implementation of projects, providing oversight and technical advice
• Undertake regular quarterly project monitoring, representing FSD in relevant
governance structures, to maximise project performance, swiftly identifying and
resolving implementation challenges
• Establish and manage linkages with sources of relevant lessons on international
best practice and related institutions within Kenya
• Enhance opportunities for development of Kenya/Africa based service provider
capacity by assessing options for local procurement of all proposed, direct or
indirect, FSD contracts and related opportunities
• Support the efficient and effective operation of the Trust at all times in a manner
consistent with the terms of FSD’s Trust deed, funding agreements with donors
and the defined policies and procedures
Key Achievements;
• Top Change manager that has supported the mobile banking revolution that has
transformed access to banking services. I have worked closely with top banking
directors to initiate and integrate their banking services for easy delivery of
financial solutions.
• Supported the Central Bank of Kenya in long-range system planning in support
of business functions and strategic priorities. Partnered with key stakeholders to
understand systemic issues and opportunities for improvement.
• Key influencer for financial inclusion, the evaluation and analysis of existing
operating processes, the development of citizen-focused process improvements.
• Conducted quantitative and qualitative analyses, and developed
recommendations in support of projects for FSD.
2 | P a g e

3. • Partnered with the Competition Authority of Kenya for market enquiries to
develop strategic initiatives that seek improve competition.
• Worked closely with functional leaders and key sectors for example, (KBA) and
banks to develop innovative solutions so that ordinary Kenyans can have access to
low cost bank accounts as well as access to credit.
• Supported the vision 2030 e-citizen platform that has led to a digitized payment
system across government institutions.
• Worked closely with the relevant authorities to enhance financial literacy and
created channels that have provided a more financial inclusive curriculum.
• Part of the leadership team that has engaged the consumer protection to create a
system that protects consumers and minimizes total cost of credit for borrowers.
• Worked with relevant authorities to digitize Social Protection Payments in Kenya.
Head of Channels – Barclays Consumer Banking;
Barclays Bank Kenya Limited, August 2009 to January 2011;
Duties and Responsibilities:
• Managed Strategy & all day to day issues with regard to all Customer Touch
Points including Branches, ATM’s, Mobile Banking, Internet Banking, E-Money, E-
Statements, SMS Banking, and Call Centre & Agency Banking.
• Included Strategy, Business Plan, Operating Model, Positioning & Marketing
Strategy.
• Delivered of overarching product strategy and provided leadership in Product
availability in distribution channels set out in the strategy.
• Formulated a Product penetration mechanism in specific channels as laid out in
strategy.
• Evaluated Customer satisfaction as it relates to product availability / functionality
across distribution channels
Senior Manager – Barclays Microfinance;
Barclays Bank Kenya Limited, October 2008 to July 2009;
Duties and Responsibilities:
• Managed all day to day issues with regard the set up of Barclays Deposit-Taking
Microfinance Limited.
• Implemented the Business Plan, Operating Model, and Branding & Marketing
Strategy,
• Provided Group, Central Bank and Board Approvals & Governance Model, Legal
framework & staffing.
• Delivered and enhanced customer experience, and formulated lean processes.
• Ensured overall proposition, products and pricing are compelling, competitive
and understood -- providing a strong channel perspective
Senior Change Manager
Barclays Bank Kenya Limited, July 2006 to December 2007;
Duties and Responsibilities:
• Managing all day to day Governance issues affecting the banks
3 | P a g e

4. • Retail Expansion Programme on the Barclaycard initiatives including Capacity
Planning, New initiatives as well as launching the first Co-Branded card in Kenya
(Nakumatt Co-Branded Card).
• Successfully sold a subsidiary of Barclays Bank Kenya Limited called Barclays
Registrar Services Limited (BARS).
• Implemented Basel II making Barclays Bank Kenya Limited the first Basel II
compliant bank in Kenya.
• Delivered a new platform for the trade business called e-trade.
Ag.Head of Change (East Africa);
Barclays Bank Kenya Limited, January 2006 to July 2006;
Duties and Responsibilities:
• Managed all day to day issues affecting the Change Function, Staffing, Budgets,
and Performance efficiently and streamlines various processes.
• Managed a Portfolio averaging (30) Projects and lead a team of over (8) Project
Managers.
• Supported all other functions in their change initiatives.
• Provided exemplary Leadership to Change in the Region.
• Supervised Top business analysts and technical resources to manage support and
ongoing improvements to financial systems
• Managed ongoing staff development to ensure both functional and technical staff
have the appropriate skills and training to perform their responsibilities
effectively
Senior Change Manager - Transformation;
Barclays Bank Kenya Limited, July 2003 to December 2005;
Duties and Responsibilities:
• Delivered project Badilisha which sought to integrate the card business in Africa
i.e. acquiring, issuing, & processing in Kenya for 34 countries plus create four
service centres in Africa.
• Created a regional processing centre in Kenya, created processing centres in
Seychelles, Mauritius & Botswana.
• Took over AMEX business in nine countries & integrated AMEX into Barclaycard
international.
• Delivered KYC STM reports format enhancement project for all countries using
brains in Barclays Africa.
• Delivered remote FOS authorization and Desk Top Renewal Project one of the
largest it projects in Barclays Kenya history.
Managing Directors Office;
Barclays Bank Kenya Limited, January 2003 to June 2003;
Duties and Responsibilities:
• Developed and worked on various strategic options of increasing the market share
of Barclays both in Kenya and in the region.
• Developed Mortgages Product. (Home Loans)
4 | P a g e

5. • Increased regional presence by formulating credit products in line with new
countries demand and need analysis.
• Increased market penetration including acquisition of over (20) new branches
across East Africa.
• Developed a Share Savings Option Scheme which is currently being implemented
by Barclays Africa.
Team Leader Business Banking;
Barclays Bank Kenya Limited, March 2002 to December 2003;
Duties and Responsibilities:
• As Team Leader I was responsible for managing a Team of (22) Relationship
Managers who were located across the country.
• I spearheaded the Business Development i.e. Budgets were agreed at the
beginning of the year and I managed Revenues, Costs, Risks, People and all other
issues that related to the business in an efficient manner.
• Provided Business Banking and covered all relationships country wide borrowing
between KSh 5 Million and KSh 400 Million.
• Achieved & exceeded budget both on Income and costs and within line on risk
parameters.
Head of Marketing (Branch Manager-Mombasa);
Citibank NA Kenya, October 2001 to March 2002;
Duties and Responsibilities:
• In October 2001 Citibank Kenya acquired the local business of Abn-Amro and I
was requested to take on the challenging task of integrating the two branches and
in the end closing the Citibank NA Mombasa branch that was in rented premises
and moving it to the newly acquired Abn-Amro building renamed Citibank NA
Mombasa.
• The role was very challenging especially dealing with a cultural shift from the
way Abn-Amro used to do business, but I accomplished with minimum
headcount and resolved all operational issues during integration and achieved
this with no loss of a major account.
Other Significant Work Experience;
• Senior Relationship Manager (Unit Head); Citibank NA Kenya, February 1999 to
October 2001;
• Senior Relationship Manager; (Global Relationship Bank-Unit Head); Citibank NA
Kenya, March 1998 to February 1999;
• Relationship Manager; (Global Relationship Bank); Citibank NA Kenya, July 1997
to March 1998;
• Relationship Manager; Citibank NA Kenya, (Mombasa Branch), February 1996 to
July 1997;
• Account Officer; Banque Indosuez (Nairobi Branch), July 1992 to February 1996;
• Operations Officer; Banque Indosuez, (Nairobi Branch); January 1991 to July 1992;
• Management Trainee; Banque Indosuez (Nairobi Branch); January 1989 to June
1990;
Other Notable Achievements;
5 | P a g e

6. • As a Senior Relationship Manager; (Global Relationship Bank-Unit Head);
Citibank I Managed the largest unit of two in the bank covering Multi-nationals in
Energy, Pharmaceuticals, Branded Consumer, Edible Oils, Brewing, Milling,
Packaging, Horticulture etc
• At Citibank, I increased the business profitability substantially while meeting risk
parameters. Additionally, I created new business relationship with top business
leaders that influenced increase in loan accounts at the branch.
• While managing Mombasa Branch I covered various top tier portfolios; Energy,
Pharmaceuticals, Branded Consumer, Edible Oils, Brewing, Milling, Packaging,
and Horticulture.
• Had a two week assignment in July 2001 which involved training the Relationship
Managers in Citibank NA, Kampala as well as closing on three regional accounts
and all was accomplished with Citibank Kampala commending my performance.
• Voted as the Best Student in Banking, Business Organization, Best Foreign
Student, while pursuing my education in India, 1988
Professional Training and Certifications;
• Leadership Skills Development Programme(KPMG), Nairobi September ,2006
• From Effectiveness to Greatness, (The 8th habit) with Dr. Stephen R Covey -
Kenya March 2006
• Prince 2 Project Management Practitioner Training & Exam – Cairo Egypt - June
2004
• Prince 2 Project Management Foundation Training & Exam – Nairobi – May 2004.
• Performance Development Workshop – Learning & Development Centre – March
2004
• Managing by Projects – Conducted by PMBOK at Learning & Development
Centre – July 2003
• Leadership/Negotiating & Influencing Skills – Learning & Development Centre -
May 2003
• Train The Trainer – Learning & Development Centre – Barclays Bank – January
2003
• Leading & Rewarding Performance – Learning & Development Centre –Barclays
Bank- November 2002
• Leadership Skills - Learning & Development Centre – Barclays Bank- Nairobi –
October 2002
• Developing Management Skills - CEEMEA Training Centre –July 2001
• Dale Carnegie Training – Developing People Skills – August 2000
• Global Cash & Trade East Africa Trade Workshop - May 2000
• Entry level Operations – Barclays Training Centre – Citibank Kenya – Oct 1999
• Intermediate Credit Risk – Citibank Training Centre – Istanbul, Turkey – Sept 1998
• Trade Workshop – Citibank Trade Solutions - March 1998
• Relationship & Product Management Seminar – June 1997 - NBI - CEEMEA
• International Trade Services Seminar - Bankers Trust Company London Training –
1993 - Held at KCB Training Centre
• Intermediate Credit Course - College of Banking & Finance - July 1992
• Financing the Closely Held Business – United States Agency for International
Development – Nairobi - May 1992
6 | P a g e

7. • Risk Appraisal & Control Course - Banque Indosuez Training Centre – London
1990
• Officers Training II course – KCB Training Centre; First in Class, May 1989
Interests and Hobbies;
• Ardent reader, interested in researching and being up to date with financial news.
• I enjoy Playing Golf and I am a Member of Karen Country Club & Muthaiga Golf
Club
• Active Squash player and a Member of Parklands Sports Club
• I enjoy travelling and I have been to at least twenty different Countries in Europe,
Asia and Africa.
REFEREES
Please feel free to contact the under mentioned in regard to my competence, work
ethic, performance and / or any other aspect with respect to me:
Mr. Jonathan Ciano
Chief Executive Officer
Uchumi Supermarkets
Limited
P.O Box 73167-00200 -Nairobi,
Kenya
Tel: 0722-512324; 0735 096 924
Tel: 020 8020082, 020
8020084/ Mobile: 0722 205
442
0733 410 028
Fax: 553501,650908
Dr. Cleopa K. Mailu
Chief Executive Officer
The Nairobi Hospital –
P.O Box 30026-00100,
Nairobi
Tel: 254(20) 2846001
Mr. David Kitusa
Regional Representative,
East and Southern Africa
Region
P.O Box 4095-00506,
Nairobi-Kenya
Tel: +254 20 2227009
Fax: +254 20 2212984,
Tel : +254 724 253 944/
Tel : 0733 877 290
E-mail:kitusa@kiva.org
Skype: davidkitusa
7 | P a g e