On this episode of "After Hours, in partnership with Tanqueray Africa," we speak with Christabel Ojuok, co-founder of Nesti, about what it actually takes to build credit access for the 86% of Kenyans the mortgage system was never built for.

Nesti started as a property and mortgage marketplace, matching customers with affordable home loans and vetted properties, cutting house-hunting from months to minutes.

Then a pattern emerged: salaried customers sailed through, while gig workers and entrepreneurs, despite affording the exact same repayments, got buried in documentation and rejected. The problem wasn't affordability. It was that the system couldn't read their income.

In this conversation, Christabel talks about what it took to walk away from a working marketplace model and rebuild around a harder problem, why she left seven years of structured corporate life at Knight Frank for the chaos of building in a startup, and what she's learned sitting across the table from prospective buyers who keep hitting the same wall.

She breaks down the "rent score," an alternative credit profile built entirely from consistent rent payments, and why she believes that data is just as reliable as a payslip.

She gets into the chicken-and-egg problem of building trust with banks before you have scale, the real reason real estate has been slower than almost any other industry to adopt tech, and the single belief about who "deserves" to own a home that she's trying to dismantle: that it was ever meant to be reserved for people earning a fixed salary in the first place.

To keep up with Christabel Ojuok , Check out her linkedin: https://www.linkedin.com/in/christabelojuok/Check out Nesti: https://nesti.africa/

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