executive management team

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Cherno GAYE

Chief Executive Officer

Mr. Cherno is a Charter Certified Accountant and an Investment Professional. Most recently, Cherno was the CEO of FinCity Investment Advisory Limited, a company he founded in 2017. Prior to that, he was CFO of BPR (part of Atlas Mara) and CFO and Deputy CEO of BRD Commercial Bank (a fully owned subsidiary of Atlas Mara which was later merged into BPR).

He was Chief Finance Officer of Banque Commerciale du Rwanda (BCR), now part of the I&M Group from 2005 to 2010. Before this assignment, He was Head of Finance/Finance Manager of Maersk (Gambia) Limited, a subsidiary of AP Moller Maersk A/S Group. Cherno also worked as an external auditor with both KPMG and Deloitte and Touche. He has provided consultancy services to various companies in Rwanda as well.

He has over 17 years of post-qualification experience and has been exposed to many areas such as financial reporting, audit, corporate finance, asset and liability management, investment management, corporate strategy & business development and general company management.

He currently serves on the board of Crystal Telecom, a company listed on the Rwanda Stock Exchange and previously served on the board of Rwanda Energy Company – REC as vice chairman.

He is a CFA charter holder and a member of the CFA Institute in Charlottesville USA and the CFA Society of South Africa. He is a fellow member of the Association of Chartered Certified Accountants (ACCA). He is also a founding member of the Institute of Certified Public Accountants of Rwanda ICPA(R).

He is a CFA charter holder and a member of the CFA Institute in Charlottesville USA and the CFA Society of South Africa. He is a fellow member of the Association of Chartered Certified Accountants (ACCA). He is also a founding member of the Institute of Certified Public Accountants of Rwanda ICPA(R).

Cherno GAYE

Chief Executive Officer

Mr. Cherno is a Charter Certified Accountant and an Investment Professional. Most recently, Cherno was the CEO of FinCity Investment Advisory Limited, a company he founded in 2017. Prior to that, he was CFO of BPR (part of Atlas Mara) and CFO and Deputy CEO of BRD Commercial Bank (a fully owned subsidiary of Atlas Mara which was later merged into BPR).

He was Chief Finance Officer of Banque Commerciale du Rwanda (BCR), now part of the I&M Group from 2005 to 2010. Before this assignment, He was Head of Finance/Finance Manager of Maersk (Gambia) Limited, a subsidiary of AP Moller Maersk A/S Group. Cherno also worked as an external auditor with both KPMG and Deloitte and Touche. He has provided consultancy services to various companies in Rwanda as well.

He has over 17 years of post-qualification experience and has been exposed to many areas such as financial reporting, audit, corporate finance, asset and liability management, investment management, corporate strategy & business development and general company management.

He currently serves on the board of Crystal Telecom, a company listed on the Rwanda Stock Exchange and previously served on the board of Rwanda Energy Company – REC as vice chairman.

He is a CFA charter holder and a member of the CFA Institute in Charlottesville USA and the CFA Society of South Africa. He is a fellow member of the Association of Chartered Certified Accountants (ACCA). He is also a founding member of the Institute of Certified Public Accountants of Rwanda ICPA(R).

He is a CFA charter holder and a member of the CFA Institute in Charlottesville USA and the CFA Society of South Africa. He is a fellow member of the Association of Chartered Certified Accountants (ACCA). He is also a founding member of the Institute of Certified Public Accountants of Rwanda ICPA(R).

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Louis de Montfort MUJYAMBERE

Director of Operations

Mr. Montfort is currently the Director of Operations, and has been working with COGEBANQUE since 2002 soon after the Bank’s establishment. He arrived at COGEBANQUE with a strong finance education, coupled with a keen desire towards business development teams.

Starting as a Junior Credit Analyst, Montfort’s rose through the ranks to become Chief Credit Analyst, and then Deputy Director of Credit, later he was appointed as the Business Development and Commercial Director, currently, he serves as the Director of Operations.

Mujyambere holds a Master’s Degree in Business Administration – MBA from Maastricht (the Netherlands) in collaboration with Esami (Tanzania).

Louis de Montfort MUJYAMBERE

Director of Operations

Mr. Montfort is currently the Director of Operations, and has been working with COGEBANQUE since 2002 soon after the Bank’s establishment. He arrived at COGEBANQUE with a strong finance education, coupled with a keen desire towards business development teams.

Starting as a Junior Credit Analyst, Montfort’s rose through the ranks to become Chief Credit Analyst, and then Deputy Director of Credit, later he was appointed as the Business Development and Commercial Director, currently, he serves as the Director of Operations.

Mujyambere holds a Master’s Degree in Business Administration – MBA from Maastricht (the Netherlands) in collaboration with Esami (Tanzania).

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Emmanuel Mugandura

Chief Finance Officer

Mr. Emmanuel is a Chartered Certified Accountant (ACCA) and a member of ICPAR, with an MBA in Finance, and a Bachelor’s degree in Accounting Science. Emmanuel is a certified microfinance expert, a qualification he acquired from the Frankfurt School of Finance and Management. 

Emmanuel has over 16 years of experience and he has been in senior managerial capacities within the Rwandan banking industry for the last 13 years. Prior to Joining Cogebanque in 2017, Emmanuel was the CFO at Urwego Opportunity Bank (part of Opportunity International network) for 4 years. Prior to the role of CFO, he was the Chief Risk Management Officer for a period of 3 years and before that he was the Chief Internal Auditor for 3 years in the same bank.  Through his career development, Emmanuel has gained immense experience from the financial sector, ranging from financial planning and management, treasury management and strategic planning as well as Audit and risk management.  

Prior to the banking sector, Mr. Emmanuel worked with Rwanda Auditor General’s Office where he audited different public institutions for 2 years, which he joined after serving as an accountant at the National University of Rwanda.

Emmanuel Mugandura

Chief Finance Officer

Mr. Emmanuel is a Chartered Certified Accountant (ACCA) and a member of ICPAR, with an MBA in Finance, and a Bachelor’s degree in Accounting Science. Emmanuel is a certified microfinance expert, a qualification he acquired from the Frankfurt School of Finance and Management. 

Emmanuel has over 16 years of experience and he has been in senior managerial capacities within the Rwandan banking industry for the last 13 years. Prior to Joining Cogebanque in 2017, Emmanuel was the CFO at Urwego Opportunity Bank (part of Opportunity International network) for 4 years. Prior to the role of CFO, he was the Chief Risk Management Officer for a period of 3 years and before that he was the Chief Internal Auditor for 3 years in the same bank.  Through his career development, Emmanuel has gained immense experience from the financial sector, ranging from financial planning and management, treasury management and strategic planning as well as Audit and risk management.  

Prior to the banking sector, Mr. Emmanuel worked with Rwanda Auditor General’s Office where he audited different public institutions for 2 years, which he joined after serving as an accountant at the National University of Rwanda.

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Joel KAYONGA

Commercial Director

Joel KAYONGA is currently the Commercial Director, having assumed the role in mid- 2019 and is primarily charged with overseeing the Bank’s business segments- i.e. Retail, Business, and Corporate Banking as well as Marketing and Product Development, and Digital Banking and Alternative Channels.  

He has previously served as the Deputy Director of Credit, prior to assuming the role of Director of Credit in late 2016 overseeing the bank’s credit portfolio. Before joining, he served in the Financial Sector Development Secretariat and then as Advisor to the Minister in the Ministry of Finance and Economic Development.

He holds a Masters of Arts (Hons) in Economics and Finance from University of Aberdeen, in the UK, and a Masters of Arts in International Comparative and Commercial Law from School of Oriental and African Studies, University of London.

Joel KAYONGA

Commercial Director

Joel KAYONGA is currently the Commercial Director, having assumed the role in mid- 2019 and is primarily charged with overseeing the Bank’s business segments- i.e. Retail, Business, and Corporate Banking as well as Marketing and Product Development, and Digital Banking and Alternative Channels.  

He has previously served as the Deputy Director of Credit, prior to assuming the role of Director of Credit in late 2016 overseeing the bank’s credit portfolio. Before joining, he served in the Financial Sector Development Secretariat and then as Advisor to the Minister in the Ministry of Finance and Economic Development.

He holds a Masters of Arts (Hons) in Economics and Finance from University of Aberdeen, in the UK, and a Masters of Arts in International Comparative and Commercial Law from School of Oriental and African Studies, University of London.

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Georges NDIZIHIWE

Director of Credit

Georges NDIZIHIWE is the Director of Credit and has been serving COGEBANQUE for over 18 years.

Trained in both Law and professional banker course, Georges is also experienced with a great and extensive technical and managerial background in different areas such as banking operations, business development, branches network and legal advisory.

He occupied different senior positions among them, Bank Legal Adviser, Head of Branch’s Network, Head of operations which included the Electronic and Digital Channels, International trade Finance with various methods of settlement, (Import & Export, Trade Finance, International transfers, Lcs, etc.), local Settlement system with its all in-house and domestic transactions in different currencies, etc.

Georges holds a Bachelor’s degree in Law, a Certified Professional Banker Course (CPB), and undergone numerous training in banking and financial services offered by reputable institutions.

Favorite quote: “85% of your financial success is due to your personality and ability to communicate, negotiate and lead. Shockingly, only 15% is due to technical knowledge.” (Carnegie Institute of Technology).


Georges NDIZIHIWE

Director of Credit

Georges NDIZIHIWE is the Director of Credit and has been serving COGEBANQUE for over 18 years.

Trained in both Law and professional banker course, Georges is also experienced with a great and extensive technical and managerial background in different areas such as banking operations, business development, branches network and legal advisory.

He occupied different senior positions among them, Bank Legal Adviser, Head of Branch’s Network, Head of operations which included the Electronic and Digital Channels, International trade Finance with various methods of settlement, (Import & Export, Trade Finance, International transfers, Lcs, etc.), local Settlement system with its all in-house and domestic transactions in different currencies, etc.

Georges holds a Bachelor’s degree in Law, a Certified Professional Banker Course (CPB), and undergone numerous training in banking and financial services offered by reputable institutions.

Favorite quote: “85% of your financial success is due to your personality and ability to communicate, negotiate and lead. Shockingly, only 15% is due to technical knowledge.” (Carnegie Institute of Technology).


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