Fyness Notes Credit Limited is a duly incorporated digital lender committed to providing innovative, customer-centric and sustainable financial solutions tailored to individuals, SMEs and institutions.
The company was established with the objective of promoting financial inclusion through accessible, efficient and technology-driven financial services, guided by professionalism, integrity, accountability and operational excellence.
To become the trusted financial change partner in the provision of financial solutions.
To enable our customers attain the desired financial freedom through provision of fast friendly financial solutions.
Dr. Jobes Omondi is a seasoned microfinance executive with close to two decades of experience in credit management, business growth, portfolio optimization and institutional leadership.
As the Founder and Managing Director of Fyness Notes Credit Limited, he provides strategic leadership focused on expanding financial inclusion through innovative and responsible lending solutions. Under his leadership, the institution continues to empower entrepreneurs, SMEs and underserved communities through accessible financial services, financial literacy and business development support.
His expertise spans credit risk management, portfolio quality improvement, operational excellence, institutional transformation, policy development, business strategy and performance management.
He is also a respected consultant and trainer, working with microfinance institutions, SACCOs, SMEs and corporate organizations in credit management, lending methodologies, portfolio management, collections strategy, performance optimization and organizational capacity building.
Jacob Kyalo leads the institution’s risk and compliance framework by overseeing regulatory compliance, AML/CFT and KYC controls, governance, internal controls and enterprise risk management.
His role safeguards the company and supports sustainable operations through sound governance, prudent risk standards and compliance oversight.
He brings over 20 years of experience in banking, microfinance and retail financial services across East Africa, strengthening the company’s capacity to operate responsibly and sustainably.
Fyness Notes Credit Limited is powered by a dedicated and experienced team. The management team possesses collective expertise in credit, finance, operations and customer service.
The team ensures strong governance, operational excellence and sustainable execution of the company’s strategic objectives.
Relationship Manager, Kilimani Branch
Relationship Manager, Kakamega Branch
Relationship Manager, Kikuyu Branch
Senior Relationship Manager, Kisumu Branch
Senior Relationship Officer, Naivasha Branch
Credit Analyst
Relationship Manager, Nakuru Branch
Senior Collections Officer
Training & Development Officer
Streamlined processes enabling quick loan approvals and timely disbursement.
Flexible repayment structures tailored to customer cash flows.
Respectful customer engagement and transparent communication throughout the loan lifecycle.
Technology-driven systems for operational efficiency and enhanced service delivery.
Payments and collections are processed efficiently via integrated platforms, including M-Pesa and Bank.
Head Office: Sapphire Court, Kilimani.
Branches: Kikuyu, Kisumu, Kakamega and Naivasha.
The company has deployed Wakandi system, a comprehensive ERP system that integrates accounting, credit and loan management, and CRM functions.
Fyness Notes Credit Limited affirms its commitment to responsible lending, financial inclusion, customer protection, data privacy and transparency in its operations.