Judith Ndenga

Judith is a highly accomplished professional with over 11 years of experience in the financial services sector. Her expertise lies in credit policy development and implementation, credit risk management, loan portfolio management and delivering member-focused financial solutions. She has a proven track record of driving significant improvements in financial performance and operational efficiency.

She has successfully reduced the SACCO’s non-performing loan (NPL) ratio through effective risk management strategies, introduced digital credit assessment tools, improving loan processing efficiency, played a key role in growing the SACCO’s loan portfolio and championed the adoption of IFRS 9. Committed to fostering financial inclusion and supporting the growth of SACCO members through responsible lending practices.