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Kio M. has a diverse range of work experience in the actuarial field. They started their career at Zamara Actuaries Administrators and Consultants Limited in 2014, where they worked as an Actuarial Analyst until 2018. From 2018 to 2021, Kio M. served as a Senior Actuarial Analyst at the same company before assuming the role of Resident Actuary from 2021 to 2023. In 2023, Kio M. joined AIICO Insurance PLC as a Principal Actuarial Executive.

Kio M. completed Actuarial Professional Papers at the Institute and Faculty of Actuaries from 2013 to 2020. Prior to that, they obtained a Bachelor of Science (BS) in Actuarial Science from The University of Nairobi, which they attended from 2010 to 2014. Before entering university, Kio M. attended The Kenya High School from 2005 to 2008.