Democratizing credit access for millions of Africans.
Liberty Credit Limited is bridging the gap between traditional banking and the informal economy through AI-driven core banking technology and a hybrid agent network.
A journey from paper to platform.
We started as a small lending desk. Today, we operate a sophisticated Core Banking Loan Workflow that integrates USSD, mobile apps, and field officers to reach the most remote customers. We believe that technology should serve people, not replace them.
Built on trust, powered by innovation.
Our core banking system isn't just code; it's a commitment to transparency and fairness. By utilizing alternative data for credit scoring, we approve loans for hardworking people who have been invisible to traditional banks.
Our Mission
To accelerate economic growth by providing accessible, fair, and transparent financial tools to every business and individual.
Our Vision
A world where financial status is determined by character and capability, not just history.
Integrity First
We prioritize transparency in our terms, fees, and lending decisions.
Speed Matters
In emergencies, waiting isn't an option. Our systems are built for real-time response.
Inclusive by Design
From USSD for feature phones to Apps for smartphones, we leave no one behind.
Responsible Lending
We use AI to prevent over-indebtedness and ensure loans are affordable.
Committed to Financial Inclusion.
Millions of entrepreneurs operate in the informal sector without a digital footprint. We are changing that. Every interaction with Liberty Credit builds a credit history that unlocks larger capital, insurance, and growth opportunities.
Meet the Leadership
A team of bankers, technologists, and risk experts dedicated to solving the credit gap.
James Mumba
Chief Executive Officer
Sarah Banda
Chief Operations Officer
David Okafor
Head of Technology
Grace Nkhoma
Chief Risk Officer