Team Our team is built on expertise, innovation, and a shared passion for transforming SME finance. Here are the core members and their standout qualities: 1. Kefa Nyakundi – Co-Founder & CEO: A seasoned finance professional with over 30 years of experience in Banking, Credit, SME and supply chain finance. Visionary leader driving Mtaji’s mission of democratizing access to finance. Deep understanding of African markets, regulatory environments, and fintech innovation. 2. Polycarp Otieno – Co-Founder & CTO: A skilled IT professional and full-stack developer with a track record of delivering secure, scalable tech solutions. Expert in system architecture and leveraging tech to solve real-world business challenges. 3. Joel Osebe – Data Scientist: Exceptional talent in data modeling, machine learning, and AI-driven analytics. Plays a pivotal role in the development and optimization of M-Score. Ensures data-driven insights power the Ankara platform’s credit decision-making.