Opio David

Founding member at @ensibuuko, Founder and CEO at @gnugridcrb. I build solutions to better service delivery, system improvement and wellbeing of human beings.

[Opio David @Obwangamoi]

We should take ownership of the #GlobalGoals, like the way you nurture your own child. The future depends on collective effort #brightfuture

[gnuGrid CRB @gnugridcrb]

Nothing affirms our work more than hearing how responsible data-driven lending is changing lives on the ground.

Our partnership with ASA Microfinance Uganda Ltd is a strong example of how financial inclusion, when guided by the right lending lenses, creates real and lasting impact.

Through the use of @gnugridcrb solutions, ASA has been able to lend with clarity and purpose, understanding why credit is extended, supporting customers to grow, and helping borrowers appreciate the value of building and protecting a good credit history.

Today, over 210,000 women are accessing inclusive credit through this partnership, with consistently low default rates, a powerful signal that when trust, data, and education come together, both institutions and communities thrive.

We remain committed to working alongside our partners to deliver responsible credit solutions that strengthen portfolios, empower borrowers, and advance meaningful financial inclusion across the last mile.

#FinancialInclusion #DataForImpact #AlternativeData #CustomerVoices

[Opio David @Obwangamoi]

“If you want to go fast, go alone. If you want to go far, go together.” This has been the driving motivation behind our progress—moving forward together, steadily and with purpose. @MOGOUganda @ZenkaFinance

[Opio David @Obwangamoi]

Come one, come all—don’t miss this opportunity! I’ll be sharing my personal journey on how to raise capital, from bold ideas to funded ventures. If you're building something big and wondering how to unlock financing, this session is for you. @gnugridcrb @LindaEvelyn_N

[CEO East Africa Magazine @CEOEastAfrica]

How @gnugridcrb' @Obwangamoi Is Using Data, Grit and Faith to Disrupt Uganda’s Credit Landscape—and Now Has His Eyes on Africa

In this candid interview, David Opio Obwangamoi—Founder & Executive Director of gnuGrid CRB—shares how he rose from a humble childhood on Buvuma Island to build Uganda’s first indigenous credit reference bureau. Rooted in faith and driven by purpose, Opio recounts the bold risks, regulatory hurdles, and sleepless nights behind the Mobile Credit Score that is now expanding financial access to millions of underserved Ugandans.

With a proven model and growing momentum, he’s now setting his sights on scaling gnuGrid across Africa.

https://t.co/HqcHmIPzs3

[Opio David @Obwangamoi]

Today, we witness the realization of our vision—seeing the solutions we’ve built empower financial institutions to make informed, data-driven decisions that actively drive financial inclusion.

[gnuGrid CRB @gnugridcrb]

A few years ago, we embarked on a transformational journey to develop innovative solutions that unlock access to affordable financial services for the 85% of Uganda’s population that remains unbanked or informally banked. Through the creation of robust data trails, we empower financial institutions to de-risk their capital, efficiently assess borrower risk profiles, implement risk-based pricing, facilitate digital access to credit, and ultimately leverage our cutting-edge credit score for real-time credit decision-making.

As part of our series, "The Impact of @gnugridcrb on Uganda's Financial Ecosystem," I am excited to share a compelling testimony from the CEO of Mogo @MOGOUganda. His experience with gnuGrid CRB stands as a powerful testament to the profound impact our solutions have on the financial industry. These milestones have been achieved through the dedication and commitment of the gnuGrid team, stakeholders - @fsduganda @MastercardFdn @gatesfoundation , and partners - @airtelmoneyug @Airtel_Ug , who continue to drive innovation and excellence.

Each week, we will spotlight insightful stories from various financial institutions that rely on our products to advance financial inclusion and sustainable growth. @Obwangamoi

https://t.co/8gTAtX5flv

[Opio David @Obwangamoi]

Happy #InternationalWomensDay! We celebrate the women shaping finance & credit risk management in Africa! Empowering women = empowering economies #WomenInFinance #FinancialInclusion #gnuGridCRB

[Opio David @Obwangamoi]

Today & every day, we honor women's achievements in finance & beyond! #InternationalWomensDay #WomenInFinance #EmpowerWomen @gnugridcrb

[SPIRO Uganda @SpiroUganda]

Celebrating Women, Powering the Future!

This #InternationalWomensDay, our CEO, Kaushik Burman, honors the strength & achievements of women worldwide. At Spiro, we empower women to drive sustainable mobility & innovation.
Let’s break barriers & inspire change!
#SpiroEmpowers

[Atuhaire Caroline @Atuhairecarol10]

Electric motorcycle ownership in Uganda is now easier than ever! With #SpiroEVLoan, we’re making the journey to sustainable mobility simple, fast, and affordable. Join us today at Four Points by Sheraton as we unveil this groundbreaking initiative—empowering riders with clean, green, and cost-effective transport.

[gnuGrid CRB @gnugridcrb]

David Opio O, ED @gnugridcrb - Our goal has always been and still is to enable access to affordable credit. The conventional system only met the financial needs of only about 2.5M Ugandans, leaving the rest unbanked. We embarked on a journey to build a digital footprint for them.

[gnuGrid CRB @gnugridcrb]

Last Friday, we had the opportunity to engage with our customers and learn how our services have influenced their lending choices. We were astounded by the tangible effects, with the potential of our service contributing to a reduction in non-performing loans from 60% to below 5%

[Opio David @Obwangamoi]

Meeting our valued customers last Friday was a remarkable experience. We were delighted to receive concrete testimonials on how our services have significantly reduced non-performing loans from 60% to below 5%. @gnu@gnugridcrb @gnugridcrb

[Opio David @Obwangamoi]

@gnugridcrb @LetshegoUganda @UgMicrofinAuth @FitspaUG

[Airtel Money Uganda @airtelmoneyug]

@AirtelUGMD @dabirungi @NByuma @gnugridcrb @LetshegoUganda @Obwangamoi @UgMicrofinAuth Our MD Japhet Aritho joins Giles Germany, David Opio Obwangamoi and Sheila Birungi for the official launch of #LetsGoPesaLoan #AirtelMoney

[Opio David @Obwangamoi]

@gnugridcrb

[Airtel Money Uganda @airtelmoneyug]

@AirtelUGMD @dabirungi @NByuma @gnugridcrb @LetshegoUganda @Obwangamoi @UgMicrofinAuth Giles Germany: This is more than a financial product, it is a product that envisions our striving for financial inclusion and customer interactions. We ask our clients to pay back to decrease our risk profile so that we can get more money and grow as a country.
#LetsGoPesaLoan

[Airtel Money Uganda @airtelmoneyug]

@AirtelUGMD @dabirungi @NByuma @gnugridcrb @LetshegoUganda @Obwangamoi Sheila Birungi from the Uganda Microfinance Regulatory Authority (@UgMicrofinAuth)- Legal Department representing the ED says that Fintechs play a role in financial inclusion through mobile applications such as #LetsGoPesaLoan
#AirtelMoney

[Opio David @Obwangamoi]

@LindaEvelyn_N #financialservices @FinancialInclus

[Airtel Money Uganda @airtelmoneyug]

@AirtelUGMD @dabirungi @NByuma @gnugridcrb @LetshegoUganda @Obwangamoi: We embarked on a journey with a team from Airtel Money for a solution to impact the lives of millions of financially excluded Ugandans. This product will reach out to young men and women that strive to change their lives.
#LetsGoPesaLoan #AirtelMoney

[Airtel Money Uganda @airtelmoneyug]

@AirtelUGMD @dabirungi @NByuma @gnugridcrb @LetshegoUganda @Obwangamoi @UgMicrofinAuth Closing the launch, Giles Germany - Chief Executive Officer Letshego says that the platform is user-friendly and designed for the daily behaviour of an Airtel money customer. “The ease means that a person can access financial services easily,” he says
#LetsGoPesaLoan

[Opio David @Obwangamoi]

@UgMicrofinAuth @LetshegoUganda @gnugridcrb

[Airtel Money Uganda @airtelmoneyug]

@AirtelUGMD @dabirungi @NByuma @gnugridcrb @LetshegoUganda @Obwangamoi Sheila Birungi from the Uganda Microfinance Regulatory Authority (@UgMicrofinAuth)- Legal Department representing the ED says that Fintechs play a role in financial inclusion through mobile applications such as #LetsGoPesaLoan
#AirtelMoney

[Airtel Money Uganda @airtelmoneyug]

@AirtelUGMD @dabirungi @NByuma @gnugridcrb @LetshegoUganda @Obwangamoi Japhet Aritho: When Letshego comes in, they can provide the funds. With this, we do not need collateral, we can advance credit with people who do not have securities and drive financial inclusion because it includes everyone.
#LetsGoPesaLoan #AirtelMoney