Joseph Saiti is a financial services specialist with over 15 years of work experience in financial services business development, product development, microfinance, credit appraisals, credit risk management, vehicle and asset finance, managing diverse loan portfolios, bank risk management and credit risk governance. He has worked for Nedbank as Deputy Head of Credit Risk Management, PRIDE Malawi as National Head of Operations and Standard Bank as Head of Credit for Personal and Business Banking and also Head of Credit Risk Governance. As senior manager in the financial services sector in Malawi, he was involved in leadership of teams, business planning and budgeting, staff recruitment and retention, staff training and business continuity planning etc.
In 2014, Joseph left the formal banking industry and formed his own management consulting firm specializing in business development, microfinance, and credit and risk management. It’s major focus undertaking market assessments, developing strategic business plans, and advising on economic trends and business opportunities. In July 2015, he joined the MOST team under contract with Adam Smith International Limited.