home executive management team
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
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).
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.
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.
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
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
Georges NDIZIHIWE is the Director of Credit and has been serving COGEBANQUE for over 19 years.
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.
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
holds a Bachelor’s degree in Law, a Certified Professional Banker Course (CPB),
and undergone numerous training in banking and financial services offered by
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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