By DMS
SMEP Microfinance Bank has appointed Bernard Mutinda Kivava as its new Chief Executive Officer, marking a significant leadership transition as the lender seeks to strengthen growth, innovation and service delivery in Kenya’s microfinance sector.
Mr. Kivava joins SMEP with more than 20 years of experience in the microfinance industry, having built a reputation for driving institutional growth, financial inclusion and organizational transformation across East Africa.
Before joining SMEP, he served as Chief Executive Officer of Juhudi Kilimo from 2015 to 2025, where he led a successful turnaround strategy that transformed the institution from a loss-making organization into a profitable enterprise.
During his tenure, Juhudi Kilimo significantly expanded its branch network while more than tripling its active customer base and loan portfolio.
Prior to that, Mr. Kivava headed Letshego Rwanda Limited, where he oversaw the growth of the institution’s loan book and profitability. He also played a key role in its transition from a credit-only institution to a Deposit Taking Microfinance Institution, helping align operations with regional standards while improving productivity and service delivery.
His career began at Faulu Kenya Deposit Taking Microfinance Institution, where he rose through the ranks from a loan officer to Branch Manager and later Head of Business Development.
Speaking on the appointment, SMEP Microfinance Bank Board Chairman Dr. Nelson Kuria said the board was confident that Mr. Kivava possesses the experience, vision and leadership required to steer the institution through its next phase of growth.
“His proven ability to drive growth and execute successful turnarounds aligns perfectly with our mission of transforming lives and meeting our customers’ needs as a Christ-centered microfinance organization,” said Dr. Kuria.
The bank said Mr. Kivava’s appointment reflects its commitment to strengthening financial inclusion and supporting micro, small and medium-sized enterprises across the country.
SMEP Microfinance Bank provides financial services to entrepreneurs and small businesses, with a focus on empowering communities through accessible and sustainable financial solutions.
The lender expressed optimism that Mr. Kivava’s leadership will usher in a new era of growth, innovation and enhanced customer experience as it seeks to expand its impact in Kenya’s competitive financial services sector.