John K.Kariuki is the current managing director of the AAR Credit Services. He is the founder and Chief Executive Officer of AAR Credit Services in each of the 3 countries. He is also the former Managing Director of AAR Health Services. He attended Warwick University where he obtained a BSc. Honours degree in Applied Mathematics and an MBA. He is credited for being amongst those who pioneered the credit card industry in Kenya and was at one time on the Board of MasterCard for the Middle East & Africa region. He has over 20 years senior management experience covering the manufacturing, IT, consumer banking and health care industries. He is a shareholder of both AAR Credit Services and AAR Holdings and sits on the Board of a number of private companies.Here he discusses the credit service mandate of AAR credit services which is to provide financial assistance to SMEs in the form of loans and also provide short time loans to buy stock which is like a trade financing package. AAR Credit Services dont take deposits and are members of the association of micro finance. We also gain an understanding of how AAR meets SMEs capital challenges from this video.