At the Forefront of Innovation

SUPPORTING YOU THROUGH TAILORED AND INNOVATIVE SOLUTIONS

Mrs. Betty C. M Korir

Mrs. Betty C. M Korir

Chief Executive Officer

Mrs. Korir joined Credit Bank PLC in June, 2013 and has 20 years Banking Experience spanning across several Banks. She is a holder of Bachelor of Ed. Degree, Bachelor of Laws (Hons) LLB and a Master’s Degree in Finance/Marketing from University of Nairobi.

On the professional front she is a member of Global Association of Finance and Management (GAFM), Chartered Credit Analyst (CCA) and an associate of Kenya Institute of Bankers being a finalist in Banking Professional Qualification (AKIB) in addition to holding various Risk Management Certifications.

Betty, equally, has international exposure in project finance and sustainable lending acquired from Triodos Bank in the UK.

Eric Nyachae

Eric Nyachae

Executive Officer, Business and Strategy

Eric Nyachae has more than fifteen years in the banking industry. He has vast working experience in Credit, Banking Operations, Marketing, Corporate Banking and Business Development. He currently holds a Bachelor of Arts in Business Administration from King Alfred’s College of higher Education and a HND in Business Studies from the Salisbury College of technology.

Mr. Nyachae has been largely involved in growing Credit Bank’s portfolio and customer base and has worked very closely with Risk and Compliance to ensure effective controls in the bank’s operations are met to mitigate business risks. He has also been very instrumental in ensuring continuous improvement in customer service and maintaining stable customer-staff relationship.

Jackson Njenga

Jackson Njenga

Chief Manager, Risk and Compliance

Jackson Njenga joined Credit Bank PLC in January 2009 and has over 18 years’ experience in finance field both in Banking and Insurance. He is a Certified Public Accountant – CPA(K), Certified Public Secretary – CPS(K) and member of both the Institute of Certified Public Accountants of Kenya (ICPAK) and Institute of Certified Public Secretaries of Kenya (ICPSK). He holds an MBA degree from the University of Nairobi (Strategic Management). He is also a member of The Institute of Risk Management (IRM), London.

Jackson Joined the Bank as the Chief Finance officer. After leading the finance function of the Bank for nine and a half years, Jacksons current role is in Risk Management and compliance involving overseeing the development and implementation of an integrated Risk and compliance framework in the Bank, risk governance framework including developing policies, supported by controls, procedures and processes for risk identification, evaluation/assessment, monitoring and mitigation strategies, spearheading internal reviews for assessing banks compliance with legal and regulatory requirements and own policies and procedures and also Business Continuity Management/Disaster Recovery Planning.

Daniel Lesirma

Daniel Lesirma

Head of Finance

Mr. Daniel Lesirma has over 15 years progressive experience in Finance at senior and executive levels in various organizations. He is a Certified Public Accountant of Kenya. He joined the bank in March 2016.  Mr. Lesirma’s immediate posting was at Fountain Microfinance Bank where he was the Head of Finance. He previously worked at Millwardbrown East Africa Limited (now Kantar Kenya), a fully owned subsidiary of WPP – Scan group Limited as the Finance Manager.  Prior to that he worked at Sotik Tea Companies as the Manager Finance. He has also worked at Ogilvy & Mather (East Africa) Ltd, as Finance Manager. Having previously worked with affiliates and subsidiaries of Publicly Listed companies in the New York Stock Exchange and London Stock Exchange, he has a strong grasp of finance procedures and Controls emanating from Sarbanes Oxley (SOX) Audit exposure borrowed from Sarbanes-Oxley Act of 2002, a federal law that created legislation to help Protect Shareholders, employees and the public from accounting errors and fraudulent financial practices. He holds a Master’s Degree in Business Administration (Finance Option), from the University of Nairobi, and is a Member of the Institute of Certified Public Accountants of Kenya. Mr. Lesirma also holds a Certificate in Business Analytics from the Harvard Business School. He is currently pursuing a professional course that will see him qualify as a Certified Investments & Financial Analyst (CIFA).

Isaac Nduvi

Isaac Nduvi

Head of Bancassurance & Digital Business

Mr. Nduvi’s educational credentials include a degree in Bachelor of Commerce (Accounting Option) from Kenyatta University, CPA II and Completing a Masters in Economics (Policy Analysis) at the University of Nairobi. He is also a member of Kenya Institute of Management, Institute of Directors Kenya (IOD-K), Member of SALT Leadership Programme – KHP; Intercessors for Africa. He has also attended various professional training courses which include; Enterprise Risk Management Course by KPMG, Risk Based Internal Auditing by KPMG, Corporate Governance by IOD-K, Servant Leadership by SALT Leadership – KHP, trainings in AML/CTF and KYC best practices, Computer Crimes and Security Systems, Fraud Detection, Investigation and Management, Credit Management and Taking of Collaterals and Leadership for Successful Performance by CBL PLC. He has over 12 years of experience in the banking industry.

Prior to joining Credit Bank, Isaac had worked for Equity Bank in various capacities and in Risk Management & Compliance. He joined Credit Bank in 2008 and has been part of Senior Management Managing Enterprise Risks for the bank which has seen the bank grow from 4 (four) branches to 17 (seventeen) branches (current number of branches) with full operational alternate delivery channels in Internet Banking and Mobile Banking services.

His passion is seeing Credit Bank economically empower every enterprising citizen while promoting and maintaining safety, soundness and integrity of the banking systems through implementation of sound policy and standards framework in line with best banking practices set by Central Bank of Kenya.

Charles Kibara

Charles Kibara

Chief Manager Operations & Branches

Mr. Kibara is a fully qualified accountant, CPA (K) and a member of the Institute of Certified Public Accountant (ICPAK) In addition, he has a Masters of Business Administration (MBA) Degree from University of Nairobi having graduated in December 2007. He has attended numerous professional development and leadership courses in internal control, fraud detection, IT Audit and quality management audits.

With over 13 years’ experience in Finance, internal and external audit, he is currently working as Credit Bank’s Chief Manager Operations & Branches.

Before joining Credit Bank, he worked as an internal audit officer at the African Banking Corporation Ltd (ABC Bank) for two years. He has previously worked as an accountant with an Insurance Brokerage firm and with an audit firm, Erastus & Co. Nairobi, between August 2002 and December 2004.

In his internal audit career, he has uncovered and frustrated frauds running to several millions. In 2010, for example, he uncovered and helped prosecute a fraud running to over KES 50 Million. The case is still in court today. He has also introduced a risk-based audit planning system, audit programmes, audit rating of branches and head office and recruited and developed internal audit staff. He is a committed Christian and member of Kenya Anglican Men’s Association (KAMA).

John Mwika

John Mwika

Head of Treasury, Custody & Advisory Services

A Certified Treasury professional (ACI DC) with 8 Years’ experience across various treasury functions. John holds a Bachelor of Commerce (accounting) from University of Nairobi and Associates of Kenya Institute of Bankers (AKIB) finalist.

Prior to joining Credit Bank PLC, he worked as Head of Trading at African Banking Corporation where he was instrumental in growing Treasury business.

He possesses comprehensive knowledge of Trading Systems, Treasury products and Risk Management. His ambition is to grow Credit Banks treasury business to achieve world class standards through adoption of new technology, strong risk management and use of specialized products.

Francis Ngaruiya

Francis Ngaruiya

Head of Legal

Francis is a legal expert with over 15 years’ experience. He is a Certified Public Secretary (CPSK), a Notary Public, Commissioner for Oaths, and a Qualified HR Practitioner. His areas of interest include corporate and commercial law, banking and finance law, labour law, dispute resolution, legal risk management and compliance, debt recovery, leadership and corporate governance.

Previously, Francis has held various roles in the private sector having served at law firms such as Kipkenda, Lilian & Koech Advocates. He has a Bachelor of Law Degree from Moi University, a Post Graduate Diploma in Law from the Kenya School of Law and a Post Graduate Diploma in Human Resource Management from the Institute of Human Resource Management.

In his current role at Credit Bank, Francis is charged with the responsibility of identifying gaps and coming up with effective process flows, structures and policies, developing strategies for the proper administration of the bank’s bad book and managing the conveyancing, recovery and commercial litigation processes effectively. He is also an advisor to both the Board and Management Team and a Secretary to the Board Executive and Management Executive Committees.

Zadock Ogambi

Zadock Ogambi

Head of Credit

Zadock Ogambi is a seasoned banker with over 12 years’ experience and a great wealth of expertise in Credit Risk Analysis, Portfolio Management and Reporting, Credit Administration and Internal Audit. Prior to joining Credit Bank, Zadock led a cross-section of teams in ensuring prudent credit and risk assessment controls are in place in Commercial Bank of Africa (CBA), Housing Finance and Consolidated Bank of Kenya.

Zadock has a Bachelor of Commerce degree majoring in Accounting from Kenyatta University and is currently pursuing his MBA in Project Management from the same university. He is also a fully qualified Certified Public Accountant (CPA-K), Certified Credit Professional (CCP) and a member of the Institute of Certified Public Accountants of Kenya (ICPAK).

In his current role at Credit Bank, Zadock is charged with the responsibility of ensuring that a quality lending portfolio is maintained in support of the bank’s business strategy.

Renson Okusimba

Renson Okusimba

Head of Audit

Mr. Renson Okusimba has over 16 years work experience in accounting, Auditing and banking operations in various organizations, 9 years of which have been at Senior Management level. He joined the bank in July 2004 and has worked in Operations, Internal Audit, Branch, Training and Credit Administration units of the bank. He started his career as an Accountant with Parkwest Kenya limited. He later worked as an Auditor with Nalin Shah and Company, an accounting and auditing firm. He has built a strong background on controls and procedures. He has other interests in Pension management, hence he is a Certified Trustee of Kenya. He holds a Masters of Business Administration degree, Finance option, from Kenya Methodist University. He has a Bachelor of Commerce Accounting option degree from Catholic University of Eastern Africa. He is a certified public accountant of Kenya and a member of Institute of Certified Public Accountants of Kenya (ICPAK). He is also a Certified Information System Auditor (CISA). In addition, he is a member of the Institute of Internal Auditors (IIA) Kenya. He is also serving on the Board of Trustees of Credit Bank Retirement Pension Scheme. He is the current Head of Audit with the Bank.

Francis Wamahiu

Francis Wamahiu

Head of ICT

Francis Wamahiu has over 8 years’ experience in IT Banking. Having joined the bank in 2010, He has garnered extensive expertise and brings experience in providing leadership in ICT and Innovation.

He holds Masters in Business Administration and a Bachelor’s Degree in Business Information Technology (BBIT).

In his current role at Credit Bank PLC, He is responsible for the bank’s strategic technological pillar and information and communication technology (ICT) championing to achieve the banks strategic objective through alignment of the ICT investments with the overall bank’s strategy