Antony Ngata
Commercial & Operations Leader | Embedded Finance | P&L Ownership
Results-driven operations and commercial leader with 8+ years building embedded finance and digital lending businesses across East Africa, now scaling Cars360's B2B2C vehicle-financing marketplace across four countries.
Skills
At a Glance
8+
Years in Financial Services
200+
Team Members Led
KES 50M
Growth Capital Raised
4
Countries Expanding Across
Work Experience
Head of Regional Operations (P&L Owner)
Platcorp Group | Cars360 · Jan 2025 – Present
Owns full P&L across B2B2C vehicle-financing marketplace in Kenya, Uganda, Tanzania, and Zambia. Delivered revenue 30% ahead of budget while operating 30% below cost; raised KES 50M in investor funding; launched dealer-and-buyer financing product and built tiered subscription model achieving 600k monthly views and 18% month-on-month growth.
Product Leader & Country Sales Manager
Momentum Credit Ltd · Jan 2024 – Dec 2024
Built lending product from scratch to KES 100M portfolio while achieving 125% revenue targets. Signed MOUs with national ministries and 10 county governments; maintained portfolio-at-risk below 0.01%; led 200+ person team including 10 direct reports and 150+ sales agents.
Operations & Compliance Manager
Momentum Credit Ltd · Jul 2021 – Dec 2023
Oversaw 18-branch network, decreasing default rates by 25% and improving customer satisfaction by 30%. Automated client appraisal process to achieve 6-hour valuation-to-disbursement cycle; led team of 20 branch managers and analysts.
Enterprise Risk & Compliance Analyst
Momentum Credit Ltd · Aug 2019 – Jun 2021
Achieved 97% operational-compliance adherence score and reduced write-offs by 15% through fraud-detection initiatives. Used SQL and Power BI to analyse customer data and prepare monthly stakeholder reports.
Key Projects
Cars360 Regional Expansion & Product Launch
Led go-to-market entry into Uganda, Tanzania, and Zambia by developing expansion strategy, standing up local operations, and securing strategic partnerships with NCBA and insurance providers. Conceived and launched dealer-and-buyer financing product addressing unmet marketplace demand.
Momentum Credit Lending Product Build
Built lending product from zero to KES 100M portfolio in one year through market analysis, product design, and tiered pricing strategy. Established partnerships with national government entities and 10 county governments to access institutional lending channels.
Operational Efficiency & Process Automation
Automated client appraisal process to reduce valuation-to-disbursement cycle from multiple hours to six hours. Implemented SLA frameworks achieving 95% resolution and reduced transaction turnaround time by 20%.
Key Achievements
- Raised KES 50M in growth capital by developing business cases, financial models, and leading investor engagement end-to-end
- Built and led teams of 200+ across regional operations with direct and indirect responsibility for sales agents and analysts
- CFA Level III candidate with hands-on proficiency in Power BI, SQL, Advanced Excel, and SAP