Miriam Mureithi

I am an experienced Network and Product Development Manager currently working in Alternative Payments.I am a curious and driven person. I like breaking down complex problems and generally thinking outside the box.

Business Development Manager – Africa and Middle East, Thunes, February 2022 - Date

My role and responsibilities include: 

• Open up collection capabilities from existing partners such as banks and wallet providers

• Engage other payment methods that are not current Thunes payout partners to bring them onboard as payment method partners

• Manage the end-to-end sales process from sourcing new leads to closing deals with new partners to expand our collections network 

• Monitor market trends and stay up to date with the key payment methods across the region 

• Leverage industry knowledge to craft thoughtful partnerships and product strategies with banks and networks, partnering with business development and various stakeholders (including risk, product, engineering, compliance, legal, and treasury) 

• Provide timely feedback to line manager about performance, sales activity, account management status and strategy planned 

• Ensure satisfaction amongst existing accounts to achieve positive account retention and contractual health 

• Work with our local legal teams to assess any legal implication for each market associated to the payment methods 

• Work with various other stakeholders to prepare and update product price and cost calculation, product items and descriptions, service specification and product support documents 

• Manage the local and regional product portfolio 

• Collect information such as technical documentation and pricing models • Take into account financial, functional, technical, regulatory, legal and operational analysis 

• Communicate proactively with Thunes' local & international entities

Manager, Ecosystem Build – Airtel Money Kenya Limited, September 2020 – February 2022 

My role and responsibilities: 

● Build and develop Airtel Money consumer products and services (Cash In, Person to Person On net and Cross network Transfers, Cash out, International Money Transfers, Airtel Money Card and any other relevant products)  

● Manage technical consulting from inception to commercial stage of product development  

● User acceptance testing for all new products  

● Define user cases, product design and product requirements for new development or customization to meet specific customer needs and liaise with the technical team to ensure correct implementation after defined UATs are completed New Integrations 

● End to end project management for new integrations including PCN, UAT technical consulting to launch User acceptance testing for all new integrations  

● Provide required product development and operations reports as input to the Airtel money weekly, monthly report, including roadmaps and performance against target dates Portal and Application builds  

● Manage portal builds for Super-agent, merchant, bulk-pay, pay-bill and sales websites amongst others  

● Project Management for new application builds System Monitoring and Development  

● Participate in developing service level agreements (SLAs) with shared services – Sales, Marketing, IT, Customer Service and Network sections and ensure adherence to the set standards Merchant Integration Develop tariffs, products and processes for Loans, savings, IMT, Insurance sign ups and implementations while managing costs competition, regulation and market constraints  

● Lead commercial negotiations with third parties involved in product provision and manage agreement life cycle. 

Product Manager – PayGo Energy August 2019 – 30th August 2020 

My role and responsibilities include: 

● Test Software Engineering deployments and provide bug and fix report scopes for software engineering. 

● Gather product requirements based on rigorous customer interviews. 

● Develop quick prototypes to validate product scopes 

● Create customer documentation for new products. 

● Work with Engineering, Business Development, Marketing, and Finance to prioritize the next product

● Scoping the product for the engineering team 

● Ship and handover product to internal stakeholders and external customers. 

● Develop feedback channels to gather feedback on product to quickly iterate on product features 

Product Manager – ABSA Kenya Sep 2014 – Dec 2018 

● Buildup of a liability book of about 10 billion shillings through the development of banking products for the Retail, business banking and corporate space  

● Created products with User experience (UX) being core to the development to ensure product desirability was achieved. 

● Coordinated product launches with marketing to maximize effectiveness 

● Forecast product performance in the market based on research to accurately estimate the Return on investment 

● Work with marketing to develop communications that speak to customer needs. 

● Utilize customer data to initiate development of new products 

● Managed product cycles starting with strategic planning 

● Worked closely with technology to design prototypes for testing 

● Maintain product vision through updates and revisions 

● Built workplace synergies through working with the credit teams and Finance teams for product approvals  

● Practiced staff empowerment programs through constant training, evaluation and monitoring of the sales teams  

● Leveraged on available synergies within the network by working with the mortgage center and Asset Finance center to launch and push product uptake.

 Business Development Officer - ABSA Kenya Aug 2010 – Aug 2014 

● I delivered about 100 million annually in set targets through deposit mobilization and liabilities growth within various assigned branches. 

●Manage a sales team who primarily focused on retail business and customers to deliver on their individual targets and business goals. 

● Grow my income margins year on year through a balanced strategy of managing my portfolio and recruiting new business. 

● Networking to engage and bring in new customers by leveraging on relations and leads through existing customers to grow my book and balances ● I ensured I met and surpassed my customers’ expectations to build on customer trust and meet both my objectives and theirs. 

 Collections Officer, ABSA Kenya Jan 2007 – Aug 2010 

● Manage portfolio impairment by 50% through proper debt management techniques where the aim is to manage a customer’s indebtedness and not demand payment. 

● Debt management portfolio through practice of soft skills and the art of listening and understanding a customer’s financial cycle to enable me guide them out of debt and build on their finances to financial health 

● Synergize with our legal teams to ensure fair play was practiced on both ends 

● Attended court dates to represent the bank on collection-associated cases.  

Executive Assistant, Chief Finance Officer, ABSA Kenya. Aug 2005 – Dec 2006 

● Manage the day-to-day running and management of the CFO’s diary and office. 

● Run the e-diary system where meetings would be booked and confirmed online saving time and resource used up in calling to do the same 

● Preparation of all management meetings and board meetings. 

● Organize team events for our department ensuring inclusivity and engagement, which ultimately led to a more cohesive team and a high performing one. 

BBM - Mt Kenya University