Joseph Riro
Finance Specialist @Alli Cbd Marketplace
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WORK HISTORY
Finance Specialist @Alli Cbd Marketplace
Atlanta, GA, US
Embedded finance and analytics partner to the founding team of a high-growth CBD e-commerce marketplace. Built financial models forecasting revenue, CAC, and unit economics. Supported month-end close, P&L preparation, and account reconciliations. Designed KPI dashboards tracking profitability, marketing ROI, and customer behavior. Created investor-ready financial summaries and pitch-deck inputs for fundraising. Conducted pricing and margin analysis to improve gross margin and support product strategy.
EDUCATION
Strathmore University
Executive Master of Business Administration, Organizational Leadership
Kenyatta University
Master of Business Administration, Finance, General
Nanyang Technological University Singapore
Executive Education, Business Diversity and Emerging Trends
Strathmore University
Executive Education, Senior Management Leadership Program
Strathmore University
Certified Public Accountant, CPA
Mercer University Stetson-Hatcher School of Business
Master's degree, Management Sciences and Quantitative Methods
Mercer University
Master of Science, Business Analytics
University of Nairobi
Bachelor of Arts, SOCIAL SCIENCES
ABOUT JOSEPH RIRO
I help banks, credit unions, and fintech lenders make better credit decisions using data, analytics, and disciplined risk strategy.With over 15 years of experience, I have managed portfolios exceeding $286.8M, led teams of 37 credit analysts, reduced non-performing assets by 16%, and supported 40% portfolio growth across consumer, SME, housing, Islamic finance, and digital lending environments.My focus is practical impact: improving portfolio performance, reducing losses, strengthening underwriting discipline, and enabling leadership teams to act on real insights rather than assumptions.My work sits at the intersection of credit risk, portfolio analytics, and technology. I translate complex portfolio data into clear, actionable strategies that improve growth, governance, and long-term risk outcomes for executive and board-level decision makers.Areas of ExpertiseCredit Risk and Portfolio AnalyticsCECL, IFRS 9, stress testing, PD/LGD modeling, early warning frameworks, NPA/NPL management, and collections optimizationLending and Product StrategyConsumer lending, SME credit, Islamic finance, asset finance, affordable housing, and digital lending performance diagnosticsTechnology and Business IntelligencePython, SQL, R, Power BI, predictive modeling, forecasting, machine learning, and Microsoft Dynamics 365Leadership and GovernanceBuilding high-performing credit teams, executive and board reporting, KPI frameworks, underwriting governance, and regulatory complianceLet us connect if you are building or scaling a credit risk, portfolio analytics, or lending strategy function.
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