Joyce Murithi

Managing Consultant

Joyce holds insightful understanding of the financial sector in Africa with over 18 years’ experience. Her involvement has been at the macro, meso and micro levels of the financial sector and has contributed to the advancement of inclusive finance through development of regulatory guidelines (in Ghana), financial product design (in Rwanda), deposit mobilization strategies (Uganda) and digital finance strategies (Nigeria). Joyce has further conducted numerous market researches and sectoral assessments for various institutions including governments, financial institutions, mobile money operators and NGOs. These assessments have been in Kenya, Tanzania, Malawi, Pakistan, the DRC and Lesotho and have helped inform national financial inclusion strategies as well as promoted strategic alignments for mass market financial institutions.

Joyce is an expert in capacity building and is currently part of the faculty of Digital Transformation at the School of Applied Microfinance (SAM), whose goal is to share knowledge and skills for creating capabilities in microfinance and frontier finance markets. Until recently, she was part of the expert faculty at the Helix Institute in Digital Finance providing world-class training and cutting-edge data for digital financial service providers.  Joyce has participated in a variety of speaking engagements and has been panelist in various regional forums including the Africa Microfinance Week held in Luxembourg and Ethiopia.

Prior to consulting, Joyce worked at a leading microfinance bank in Kenya, empowering women socially and economically through entrepreneurship. She holds a Bachelor’s degree with a double concentration in Marketing and Business Administration from Daystar University, and MBA in Entrepreneurship from the Kenya Methodist University. She also holds a number of certifications from MicroSave.

Joyce is proficient in English and Swahili and lives in Kenya.