Chief Executive Officer
Head of Finance and Administration
Head of Credit Department
Head of Risk and Compliance Department
Head of Operations Department
Head of Customer Care
Head of Personal Banker
Head of Internal Audit Department
Head of IT & Records
Mr. Ooro Owino is the current serving manger to Ndhiwa CFS and has been in office since the inception of the firm on March 14th 2011.
In his 14 years of service, the manager has brought in distinguish excellence and prominence in establishing the fundamental policy frameworks, physical structures, laudable team of experts and a direction that has seen the bank wag through the economics of times.
Pioneering the organization of board committees, introduction of AGM in 2014, introduction of general systems of meeting i.e. the delegate system in 2023 are some of the key governance committees occasioned in his current service. Mr. Ooro has evolved the CFS from a structure of rented shop to now a physical own structure which has customized office operations and service delivery. He has also championed innovation as a way of improving compliance and driving performance, which attained efficiency in monetary operations and management by establishing the audit department.
The existence of the CFS has transformed from a region of Ndhiwa Sub County to now vast regions of Homabay and Migori counties under his effortless dedication of growth in meeting the objective of the firm.
The CEO has a Diploma in Marketing, Higher Diploma in Entrepreneurship, a Bachelor’s Degree in Commerce- Finance. He also has a Master’s Degree in Finance.
Mr. Kenneth Ghai Otieno is the head of Finance and Administration at Community Financial Services-Ndhiwa. He joined the CFS as a cashier in 2010 and served for a period of one year to 2011 when he was promoted to the position of a loans officer where he served for a period of five years. Mr. Ghai made significant contributions in mobilizing the many Muunganos that currently form the basis of the first clients that came to be. From Accounts clerk in 2016, he was promoted to Head of Finance and Administration docket in the year 2023 as the head officer where he currently serves to date.
Mr. Ghai has a Bachelor’s Degree in Procurement and Contract Management. He also attained a Diploma in Purchasing and Supplies Management.
Mr. Dominic Otieno Odero is an accomplished microfinance professional with a strong background in credit operations, group lending methodologies, and business growth strategies. His career spans over several years of impactful service within the financial services sector, particularly in microfinance institutions that support grassroots economic development.
From 2019 to 2021, Dominic served as the Branch Manager at Rafode Microfinance, where he played a pivotal role in strengthening the organization’s lending model. He introduced and successfully trained staff on the group methodology lending system, a strategy that significantly boosted loan performance and outreach. Under his leadership. The branch’s Outstanding Loan Balance (OLB) grew impressively from KES 16 million to KES 21 million. His efforts not only expanded Rafode’s market share but also enhanced overall operational efficiency.
In 2021, Dominic joined Ndhiwa CFS as a Credit Officer, where he took the initiative to reintroduce the KCM method (a group-based lending and monitoring approach) within borrower groups. This helped in improving client discipline, loan repayment, and overall portfolio quality.
Since 2022, Dominic has been serving as the Business Development Officer at Ndhiwa CFS. In this role, he is responsible for:
Dominic brings with him a strong work ethic, a deep understanding of community-based finance, and a proven record of accomplishment in driving sustainable growth and client satisfaction. His leadership has directly contributed to increased client acquisition, improved product uptake, and higher portfolio quality. By aligning product offerings with the evolving needs of the community, he has helped position Ndhiwa CFS as a trusted financial partner in the region. His market-driven strategies have led to steady portfolio growth, improved client retention, and greater institutional visibility-placing Ndhiwa CFS on a stronger trajectory for long-term sustainability and social impact.
Mr. Tobias Oruoth Ogada is the head of department for Risk and Compliance. He joined the CFS in December 2017 to date.
Prior to joining the CFS in 2017, Mr. Oruoth served in the department of Rural Roads as a supervisor from 1996-2000. His contributions in the service sector at CARE-Kenya in the year 2001-2006 as a Community-based trainer earned him a great icon of the society. He also served as an acting principal of St. Mary Wachara secondary school in the time of the school’s launching and overseen it through to its registration, this was in the year 2008-2012 where he also worked as the school’s head of accounts in 2013-2016.
In 2017 December, Mr. Oruoth joined Ndhiwa CFS as a loans officer where he served for a period of four years to 2021 December. During this time, he was able to pull quite a laudable level of achievement including 15% of client base that exists to date. In his current position, Mr. Oruoth has ensured aligned policies, loan procedures and policies in the Credit Department.
Mr. Revonce Okuku is the head of operations department at the CFS Ndhiwa. He joined the firm at the level of a loans officer where he only served for six months from June 2022 to December 2022. Mr. Okuku was transferred to the teller’s desks where he served as a cashier for six months from January 2023 to June 2023. He was subsequently appointed to manage the internal audit department and severed for a period of three months and was later promoted the head department of operations in October 2023.
Mr. Revonce Okuku has a Bachelor’s degree in Finance and Accounting.
Mr. George Otieno Awuor is the result-driven financial services professional with a progressive career spanning over six years in credit management and customer-care. Beginning his journey in 2019 as a Credit Officer at Ndhiwa CFS, George quickly distinguished himself by accurately processing over 1000 loans and significantly by reducing the loan default rate by 15% through enhanced risk assessment and customer engagement.
In 2022, George rose to the position of Credit Team Leader where he led his team and surpassed quarterly loan targets by 25%. His leadership was instrumental in building team capacity through mentorship.
Currently serving as the Head of Customer Care, George has spearheaded a transformative revamp of the customer service experience at Ndhiwa CFS. Under his leadership, the implementation of real-time feedback and resolution system that has elevated customer satisfaction ratings.
George’s career is underscored by a blend of technical expertise and human-centered leadership. His core competencies include credit analysis, risk management, team leadership, customer experience strategy, and digital transformation. With a strong foundation in regulatory compliance and a commitment to process innovation, he continues to deliver strategic values across multiple facets of financial service delivery.
Miss. Maurine is the head of personal banking at Ndhiwa CFS. She joined the firm in 2018 as a loans officer. Maureen has also served in the office as a cashier between 2019 and 2020. Her profound leadership skills have seen her hold senior positions in the firm including head of customer care, serving as operations officer and subsequently as the head of personal banking in 2022 to date. Maurine has brought in creativity and innovation alongside streamlining policies in personal banking, which has affected positively on the firm over time.
Miss. Maureen has a Bachelor’s degree in Commerce-Accounts.
Miss. Susan is the head of Internal Audit at Ndhiwa CFS. She joined the firm in May 2019 as a teller. Susan has also held senior leadership roles, with wealth of experience gravitating around personal banking management, operations management and risk management and auditing. In her tenure, Susan has spearheaded the review and improvement of the processes and procedures in the operations of the firm operating efficiently, and the Bank’s departments operating within the policies, laws and regulations that govern the firm.
Ms. Susan has a Bachelor’s Degree in Tourism Management.
Mr. Fredrick Oloo is the Head of I.T, Records and Information at Ndhiwa CFS. Prior to this position, Mr. Fred has held the loans officer position where he served for one and half years. During this time, he ensured the penetration of the firm to untapped regions, specifically, Osiri-Matanda and its environs. He also ensured a seemles flow of loan collections and disbursments and onboarding about 5% of the total clientel base.
Mr. Fred has been at the forefront of revolutionizing the current department that he heads, the IT, wherein he has worked around the system to reduce downtimes and improve client turn around time as they get tailored services. Mr. Fred is working hard on product innovation to ensure clients receive services at the press of a button.
Mr. Fred has pursued a Bachelors Degree in Industrial Chemistry with IT.
