Agnes Mbeya is a finance executive, microfinance CEO and development practitioner with over six years of experience expanding access to finance for underserved small and medium enterprises, women and young entrepreneurs across Southern Africa. She is the CEO of Makko Brothers Credit Limited, a growing microfinance institution in Malawi that provides inclusive credit solutions to entrepreneurs and businesses traditionally excluded from formal financial services. Her work focuses on SME financing, productive asset finance, credit innovation and the development of scalable financial models that respond to the realities of peri urban and rural markets. Agnes has expertise in SME credit structuring, portfolio risk management, financial operations and inclusive business growth. She is particularly interested in how fintech, alternative data, digital payments and customer centred financial products can improve access, efficiency and sustainability within Africa’s financial services sector. She is also a Tony Elumelu Foundation shortlisted mentor, supporting early stage African entrepreneurs to strengthen their business models, financial systems and growth strategies. Agnes is recognized for her practical, systems driven approach to building inclusive, sustainable and commercially viable financial solutions.