Team David Cracknell


Global Director for Technical Excellence
Nairobi, Kenya

David Cracknell is MicroSave's Global Director for Technical Excellence. With over twenty years’ experience in financial inclusion, banking, and enterprise development he is leading a growing team of professionals. His technical work focuses on developing and designing solutions for deposit mobilisation and digital finance, leading the advisory team to Equity Bank in Kenya between 2001-06, and contributing to Safaricom’s M-PESA pilot test between 2005-06. His work has included strategic and institutional reviews, market research, pilot testing, delivery channel diagnostics and service delivery, and writing on microfinance and banking. He has experience in Kenya, Uganda, Tanzania, Ethiopia, Malawi, South Africa, Cameroon, Nepal, Nigeria, Democratic Republic of the Congo, Ghana, Egypt, Zambia, Sri Lanka, Bangladesh, India, and the Philippines.

Examples of his recent work include: 

  • Pre Transformation Reviews: Reviews with financial institutions thinking of transforming to deposit taking in Kenya and Zambia.
  • Diagnostic Reviews: Diagnostic review of a commercial bank in Kenya launching a technical assistance programme focused on addressing institutional weaknesses creating an environment for strong growth of the bank and its profitability. Design of a follow up technical assistance plan.
  • UNCDF MM4P: Initiatives targeting financial inclusion using mobile money in Malawi and Uganda, working with mobile networks, commercial banks, and regulators.
  • SACCO Strengthening: Development of a credit and delinquency management course for Kenyan Savings and Credit Cooperative Societies, training and mentoring consultants to support Kenya’s vibrant SACCO sector. 
  • Gates Foundation: Multiple deposit mobilisation reviews in Ethiopia, Kenya, Ghana, DRC to assist institutions to assist financial institutions;
  • Access Bank Tanzania: Deposit Mobilisation Review. Coordinating diagnostics and missions aimed at increasing deposit mobilisation in Access Bank Tanzania.

David has worked as Programme Director for the Austria/CGAP/DFID/Ford Foundation/Norad UNDP-funded $6 million MicroSave project in East and Southern AfricaThe project played a key role in encouraging a more market-led approach to delivering financial services. He has authored numerous technical papers and article and contributed to multiple MicroSave tools and training courses.

Before joining MicroSave, David worked for DFID in Bangladesh informing and implementing enterprise development initiatives with the large development institutions in Bangladesh. David is fluent in English and has basic Sinhalese and French. David has a Post Graduate Diploma in Bank Financial Management from the University of Sri Jayawadenapura, membership examinations from the Institute of Chartered Accountants in England and Wales and a Degree in Economics from the University of Leicester.