Head of Operations, Risk & Compliance – Aptic Financial Group

Reuben is a seasoned financial services leader with 15+ years of experience in operations, risk, and compliance management. Currently at Aptic Financial Group, he drives regulatory compliance, operational efficiency, and risk controls. He has been pivotal in establishing systems and securing CBK approvals, with expertise in policy development, financial reporting, branch operations, and audits. His career includes leadership roles at Choice Microfinance Bank, Broad Borders Housing Co-operative, and Kenya Women Microfinance Bank.

Reuben holds a Bachelor of Commerce degree from JKUAT and is a CPA. He is recognized for his strategic mindset and commitment to building scalable, compliant financial systems.

Head of Business & Partnerships – Aptic Credit Limited
Dolly Micheni is a seasoned credit and business development professional with over five years of experience in SME lending, trade finance, and strategic partnerships. At Aptic Credit Limited, she leads market growth initiatives, product rollout, and partner engagement across loans and guarantee services. Her expertise spans credit structuring, alternative scoring models, and trade finance solutions—including bid bonds, working capital support, and contractor-focused products.

Dolly has played a key role in developing high-impact loan programs and streamlining onboarding processes for SME clients. She holds a degree from Kenyatta University and certifications in data analytics and financial systems. Her focus is on scaling smart, inclusive credit solutions that power enterprise growth and strengthen Aptic’s market presence. Dolly is charged with growing the business through client engagement, loan product rollout, partnerships, and strategic initiatives across various lending verticals including credit, trade finance, and insurance-backed products.

Chief Operating Officer – Aptic Financial Group
Samo is a visionary product and operations leader with over a decade of experience building digital platforms, leading financial innovation, and scaling high-impact systems across East Africa. As COO and Chief Product Officer at Aptic Financial Group, he drives strategy and execution across credit, insurance, trade finance, and technology—designing the architecture that powers Aptic’s digital financial infrastructure. His role spans product development, process optimization, technology integration, and people leadership. He has led Aptic’s transformation into a digital-first company, shaping user-centric financial solutions for SMEs and delivering operational efficiency across business units.

Samo’s broader career includes serving as Chief Product Officer at Malaica, Director of Product at AltFutures, and leading Alternative Agency to over $10M in revenue. He has delivered award-winning digital platforms, from programmable SME banking to insurtech and healthtech innovations across Africa. A founder of Elastic FS, a next-generation digital bank for African SMEs, and a Bimalab Fellow, Samo is passionate about designing financial operating systems that empower entrepreneurship and economic inclusion. He holds executive certifications in Digital Transformation (Copenhagen Business School) and Innovative Finance (University of Cape Town). Samo’s leadership combines systems thinking, strategic clarity, and relentless execution—building for scale, speed, and purpose.