Lemmy Manje

Founder and CEO
Lemmy is an inclusive finance expert and has 20 years of professional experience in research, training and project management of financial inclusion projects with various international organisations. Lemmy provides technical assistance and management services to various international developmental organizations, insurance companies and other financial service providers. He has published numerous works on microfinance, microinsurance and small enterprise development. He has professional experience with various international organisations including the European Union, FSDZ, Financial Sector Deepening Trust Tanzania (FSDT), Financial Sector Deepening Africa (FSDA), Access to Finance Rwanda (AFR), Care International, Mennonite Economic Development Associates, FinMark Trust, Centre for Financial Regulation and Inclusion (Cenfri), Microfinance Opportunities, International Labour Organization (ILO), United Nations Capital Development Fund (UNCDF) and Africa Development Bank, specialising in financial inclusion, microfinance, informal finance, microinsurance, digital financial services, private sector development, business development services, value chain development, market development and small enterprise development. He is an alumna of the Harvard Kennedy School program, Rethinking Financial Inclusion: Innovation for Policy and Practice. His professional experience for long and short-term assignments has mainly been in North, South, Central and East Africa as well as Asia and Europe. He has a Master’s Degree (MA) in International Development from University of Manchester, United Kingdom and Bachelor’s degree (BA) in Economics and Demography from the University of Zambia.
Barbara Chabbaga
Senior Associate
Barbara has actuarial training with 10 years’ experience in the insurance sector. She has gained extensive local and international exposure in applying actuarial techniques to microinsurance with over 8 years’ experience in microinsurance in Kenya. As lead consultant at AB Consultants, she builds microinsurance capacity through market research, actuarial consulting, strategy development, pricing and product development. She has led projects in health financing, pricing and strategy development, with special focus on the informal sector. She also has interest in InsurTech and is a co-founder in a solution designed to make insurance accessible to those who need it most through technology.
Irma Grundling
Senior Associate
Irma is the Founder and CEO of Yakini Development Consulting. She has more than 30 years of experience in social research and data analysis. Irma holds a master degree in Biometrical Genetics from the University of Pretoria as well as a bachelor’s degree majoring in applied statistics and mathematics from the same University. She founded Yakini Development in 2010. As executive director of Yakini, Irma has consulted extensively with a variety of clients regarding financial inclusion matters. Her strengths include management of large national surveys, instrument design, data analysis and presentation.
Kim Chatterjee
Kim is Human Centered Design (HCD) expert. She is a nomadic user experience (UX) designer, behaviour change enthusiast, communicator, business analyst, problem solver, storyteller, facilitator, trainer, gofer, team nurturer and all-round optimist. With over 17 years' experience in human centred design and spanning multiple countries in Asia and East Africa, she has successfully led design initiatives aimed at understanding local user context and behavior, designing for social impact, and building capacity. Whether it's a 2-hour workshop, a weekend hackathon,  week-long design sprint, an immersive design summit, or a year-long culture-shifting software build, she ensures that everyone emerges with positive experiences, celebrates successes, and stays attuned to the end goal of meeting user needs.
Alice Merry
Senior Associate 
Alice Merry is the Founder and CEO of Merry and Co Financial Inclusion Consultants. She is a consultant in inclusive and sustainable finance, and the host of the Feminist Finance Podcast. Alice has a decade's experience working with the United Nations, NGOs and the private sector towards a financial system that works for people and for the planet. She is a graduate of Cambridge University and the Geneva Graduate Institute’s Executive Master in Development Policy and Practice.
Dr. Simeon T. Numbem 
Senior Associate
Dr. Simeon Numbem is an agronomist, a banker and expert in development finance who has in the past 20 years been at the forefront of market-oriented and investment-led promotion of agricultural finance and investment promotion using the value-chain based-approach in various sectors like agriculture, agribusiness, nutrition and livelihood, forest management, ecotourism and non-timber forest products, water distribution, and rural electrification. With over a decade of management-level banking and small enterprise finance experience with pioneering Ag-finance bank Afriland First Bank in Cameroon, Dr. Numbem brings expertise in the use of debt, venture and risk capital, guarantee instruments and has also established specialized funds investing in SME and agriculture with the Value Chain-based Approach. Dr. Numbem has spent over 10 years “teaching banks to think like farmers” and has facilitated trainings, especially TOT (training of trainers) in agricultural finance. Dr. Numbem today, consults with various international organizations including the World Bank, FAO, AfDB, Adam Smith International, BRL-France in the formulation and implementation of agribusiness projects and programs using the value chain-based approach in more than 20 English and French speaking countries in Africa. He has provided technical support to agricultural intensification through sustainable soil fertility, land evaluation and land use management; erosion control and water resources management working for IRAD (the national Institute for Agronomic Research), IITA (International Institute for Tropical Agriculture), and post-graduate research at USDA and assisted governments with renewable energy, carbon finance, and CDM (clean development mechanism). Dr. holds a PhD from Cornell University in New York, USA, a Master degree in Agronomy with concentration on Land-use systems from the University of Ghent, Belgium, a Post-Graduate Certificate in Corporate Finance from the Middlesex University London, UK; and many professional diplomas on Environmental Finance from the World Bank, IMF and FMO.
Janice Angove
Senior Associate
Janice is a qualified actuary has worked in the areas of microinsurance and capacity building for insurance supervisors in Africa for more than 8 years.  Janice also worked for A2ii coordinating A2ii’s regional implementation work in Sub-Saharan Africa, strengthening cooperation and supporting capacity building for supervisors in the region. Her experience covers the development of microinsurance regulations for several Southern African countries, capacity building for insurance supervisors in Africa and research into the business case for microinsurance. Janice is  currently part-time lecturer at University of Witwatersrand in South Africa.
Bert Opdebeeck
Senior Associate
Bert is the founder of Microinsurance Master, the first leadership programme designed for the microinsurance sector. Microinsurance Master wants to inspire and strengthen microinsurance leaders with best-practice learning techniques, customer-centric insights and practical frameworks and tools that will reduce the vulnerability of low-income communities and make leaders and their organisations thrive. Although independent organisation, Microinsurance Master partners with FinProbity Solutions on some inclusive insurance work.
Liz McGuinness
Senior Associate
Liz has 20 years of experience in international development with extensive experience in leading, designing, implementing, reporting and presenting research and evaluation results to a wide range of public and private stakeholders. Her areas of specialisation include inclusive finance, women’s economic empowerment, digital and financial literacy, youth financial inclusion, and SME development. He has MA and BA in Economics. Liz  also has analytical software skills in MaxQDA, EPI-Info and SPSS.
Justina Moonga
Justina is an insurance expert with more than 10 years’ work experience in the insurance industry in Zambia. She has held various senior positions and managed various projects within her job roles including Health insurance, Bancassurance & Alternative distribution and Microinsurance. Her strengthens are in strategic planning, marketing and project management. She has proficiency in new product development; market research, prototype development and sales. Justina has a master’s degree in Business Administration from Heriot Watt University, Bachelor’s degree in Science in Natural Resources from the University of Zambia, Diploma in Insurance and a Post Graduate Diploma in Monitoring and Evaluation. Justina is a philanthropist and supports philanthropic activities. She served on the Board of Directors for the Zambian Governance Foundation for Civil Society from 2012 to 2018 and is a member of the Catholic Commission for Justice and Peace and a member of the Zambia Institute of Marketing. She is currently serving within the insurance industry in Uganda.
Sarita Mohanty
Sarita comes with more than a decades experience in the field of Life Insurance - Product Development and Management. She has been associated with leading Life Insurance companies as Kotak Mahindra Old Mutual Life Insurance Co. Ltd., ING Life Insurance (now Exide Life Insurance),  apart from that she was associated with Wipro Technologies as well. She has worked on wide spectrum of both market linked and non-market linked plans such as savings, pension, micro-insurance and universal insurance schemes targeting the informal sector. Her job entails research and analysis of national and international insurance markets for creating ideas and concepts for innovative insurance plans and ensuring smoother launch of the plans with system and processes set-up. In her current role, she looks into strategizing the product road-map for the organization and works closely with the senior management for developing products based on client & market needs.
Anne Kamau
Senior Associate
Anne is an insurance professional with a mission to make insurance accessible to those who need it most. She is passionate about inclusive insurance. she is an innovative thinker and entrepreneur who brings life to financial services. She brings the end-users face to every product, reminding financial service providers that there is a real person behind every number crunched and revenue collected. She is contagiously enthusiastic and passionate about matters inclusive insurance. She has over 15 years’ experience designing, prototyping, and managing distribution of inclusive insurance solutions in Kenya and other Sub-Saharan countries. She also served in the National microinsurance steering committee hosted by the Insurance Regulatory Authority, that developed the national microinsurance policy and regulation in Kenya.
Sameer Kulkarni
Sameer is the founder CEO of Simplicate Creations Mumbai, India. Sameer has over 20 years international experience in business technology and analytics.Sameer has worked in banking, capital markets and insurance domains in India, US, South Korea, South Africa and the Netherlands. He was the  Chief Technology Officer for Edelweiss Tokio Life Insurance Company. Earlier he was part of the core banking product FLEXCUBE team of Oracle Financial Services.  Under his leadership, his company has done work for top private banks and insurers in India. This includes insurance back office, risk control and self assessment system, mobile app for insurance salesforce, reporting portal, workflows and data analytics for modelling persistency and cross sell. Sameer holds a Bachelor's Degree in Engineering followed by MBA from India's top business school The Indian Institute of Management, Ahmedabad.

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