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Guillaume NGAMIJE HABARUGIRA

CEO

Mr. HABARUGIRA is a senior finance & business development professional with over 14 years of professional experience in Finance business (investment, treasury, payments, export, and trade finance) and economic development in emerging markets. He is experienced both in emerging markets (Africa), Europe and USA, executing market strategy on behalf of Austria’s largest banking group for its corporate and sovereign customers, interbank market participants and global payments service providers.

He is very adept at applying research and analytical skills to understand markets, industry sectors and policy frameworks in order to develop business strategies and formulate team objectives. He has achieved Successful transactional leadership in structured project and export finance, Key Account and Portfolio Management, information management, analysis and public policy research. Mr. Guillaume is also an Enthusiastic writer, presenter and communicator who is able to engage with clients, partners and teams at large.

Mr. Guillaume holds a Master of Science in Financial Analysis and Project Management as well as a Master of Arts in International Development Economics, Policy and Financial Analysis.

Guillaume NGAMIJE HABARUGIRA

+250 788 315 404

CEO

Mr. HABARUGIRA is a senior finance & business development professional with over 14 years of professional experience in Finance business (investment, treasury, payments, export, and trade finance) and economic development in emerging markets. He is experienced both in emerging markets (Africa), Europe and USA, executing market strategy on behalf of Austria’s largest banking group for its corporate and sovereign customers, interbank market participants and global payments service providers.

He is very adept at applying research and analytical skills to understand markets, industry sectors and policy frameworks in order to develop business strategies and formulate team objectives. He has achieved Successful transactional leadership in structured project and export finance, Key Account and Portfolio Management, information management, analysis and public policy research. Mr. Guillaume is also an Enthusiastic writer, presenter and communicator who is able to engage with clients, partners and teams at large.

Mr. Guillaume holds a Master of Science in Financial Analysis and Project Management as well as a Master of Arts in International Development Economics, Policy and Financial Analysis.

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Emmanuel MUGANDURA

Chief Financial Officer

Mr. Emmanuel is a Chartered Certified Accountant (ACCA) and a member of ICPAR, with 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 17 years of experience and he has been in senior managerial capacities within the Rwandan banking industry for the last 14 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 in the financial sector, ranging from financial planning and management, treasury management, strategic planning and implementation as well as Audit and risk management.Emmanuel has over 17 years of experience and he has been in senior managerial capacities within the Rwandan banking industry for the last 14 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 in the financial sector, ranging from financial planning and management, treasury management, strategic planning and implementation as well as Audit and risk management.

Prior to the banking sector, Mr. Emmanuel worked at the Office of Auditor General of Rwanda 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

+250 788 309 520

Chief Financial Officer

Mr. Emmanuel is a Chartered Certified Accountant (ACCA) and a member of ICPAR, with 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 17 years of experience and he has been in senior managerial capacities within the Rwandan banking industry for the last 14 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 in the financial sector, ranging from financial planning and management, treasury management, strategic planning and implementation as well as Audit and risk management.Emmanuel has over 17 years of experience and he has been in senior managerial capacities within the Rwandan banking industry for the last 14 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 in the financial sector, ranging from financial planning and management, treasury management, strategic planning and implementation as well as Audit and risk management.

Prior to the banking sector, Mr. Emmanuel worked at the Office of Auditor General of Rwanda 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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Jean Bosco RWELINYANGE

Acting Director of Human Resources and Administration; and Head of Human Resource

Mr. Jean Bosco joined the Bank in 2005 and has more than 20 years’ experience in human resource management in both the public and private sector, with more than 15 years in banking.

He works closely with senior management to implement the HR policies and objectives, especially in attracting, motivating and developing the key talent staff to enable to the Bank to maintain its remarkable growth.

Prior to his current role, he was Head of Human Resource Department of Rwanda Civil Aviation Authority.

A certified HR person, he holds a Bachelor’s degree in Administration from Kigali Independent University and has done various executive training on Human Resource Management and Strategy.

He has been a Member of Rwanda Human Resource Forum since 2003; and is also a Member of Rwanda Bankers Human Resource Forum.

Jean Bosco RWELINYANGE

+250 788 305 964

Acting Director of Human Resources and Administration; and Head of Human Resource

Mr. Jean Bosco joined the Bank in 2005 and has more than 20 years’ experience in human resource management in both the public and private sector, with more than 15 years in banking.

He works closely with senior management to implement the HR policies and objectives, especially in attracting, motivating and developing the key talent staff to enable to the Bank to maintain its remarkable growth.

Prior to his current role, he was Head of Human Resource Department of Rwanda Civil Aviation Authority.

A certified HR person, he holds a Bachelor’s degree in Administration from Kigali Independent University and has done various executive training on Human Resource Management and Strategy.

He has been a Member of Rwanda Human Resource Forum since 2003; and is also a Member of Rwanda Bankers Human Resource Forum.

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Angela Padua MUTESI

Head of Legal and Company Secretary

Mrs. Angela is the Head of Legal and Company Secretary at Cogebanque Plc since January 2019. Since joining the Bank, Angela has overseen and managed the legal services of the Bank such as litigation and contract management to mention but a few. Furthermore, she is responsible for providing corporate governance advise to the Board of Directors and the Bank’s stakeholders.

Angela has a diverse legal background spanning over 11 years. Prior to joining the Bank, she served as the Legal Manager and Company Secretary of Letshego Rwanda Plc, a Pan-African Microfinance Bank. She also worked with the International Criminal Court in Nairobi for 5 years, UNHCR in Kigali in 2010 and was a legal advisor to the Registrar General of Companies at the Rwanda Development Board in 2009.

She holds a Masters of Law Degree from the University of Pretoria school of Law and a Bachelor of Law Degree from the University of Western Cape in South Africa. In addition, she has undergone various training in legal and corporate governance.

Angela Padua MUTESI

+250 786 822 190

Head of Legal and Company Secretary

Mrs. Angela is the Head of Legal and Company Secretary at Cogebanque Plc since January 2019. Since joining the Bank, Angela has overseen and managed the legal services of the Bank such as litigation and contract management to mention but a few. Furthermore, she is responsible for providing corporate governance advise to the Board of Directors and the Bank’s stakeholders.

Angela has a diverse legal background spanning over 11 years. Prior to joining the Bank, she served as the Legal Manager and Company Secretary of Letshego Rwanda Plc, a Pan-African Microfinance Bank. She also worked with the International Criminal Court in Nairobi for 5 years, UNHCR in Kigali in 2010 and was a legal advisor to the Registrar General of Companies at the Rwanda Development Board in 2009.

She holds a Masters of Law Degree from the University of Pretoria school of Law and a Bachelor of Law Degree from the University of Western Cape in South Africa. In addition, she has undergone various training in legal and corporate governance.

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Jean Damascene MUTABAZI

Acting Credit Director

Mr. Jean Damascene has spent the last 13 years in Risk management, Compliance and internal control roles in the banking sector. He holds a Masters and Bachelors in Business Administration. He is a Certified Banker from Lagos School of Excellence, a certified Risk Manager and a Certified Compliance Professional from The International Academy of Financial Management.

Prior to his current position, he occupied different senior managerial positions in two International Banks, first as Head Compliance and Internal Control at Access Bank Rwanda, then as Head of Compliance in Ecobank Rwanda.

Jean Damascene MUTABAZI

+250 788 798 450

Acting Credit Director

Mr. Jean Damascene has spent the last 13 years in Risk management, Compliance and internal control roles in the banking sector. He holds a Masters and Bachelors in Business Administration. He is a Certified Banker from Lagos School of Excellence, a certified Risk Manager and a Certified Compliance Professional from The International Academy of Financial Management.

Prior to his current position, he occupied different senior managerial positions in two International Banks, first as Head Compliance and Internal Control at Access Bank Rwanda, then as Head of Compliance in Ecobank Rwanda.

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Songa RWAMUGIRE

Acting Commercial Director & Head of Corporate Banking

Songa joined COGEBANQUE as the Head of Corporate Banking in August 2017. Before assuming this role, he was Deputy Head of Corporate Banking in a regional bank.

He started his banking career in 2009 and has worked on several corporate deals, giving him profound knowledge of the Rwanda market.

Songa holds a Bachelor’s Degree in Economics from the National University of Rwanda, is currently pursuing an MBA from Oklahoma Christian University and has been exposed to numerous training in various fields.

Songa RWAMUGIRE

+250 788 303 972

Acting Commercial Director & Head of Corporate Banking

Songa joined COGEBANQUE as the Head of Corporate Banking in August 2017. Before assuming this role, he was Deputy Head of Corporate Banking in a regional bank.

He started his banking career in 2009 and has worked on several corporate deals, giving him profound knowledge of the Rwanda market.

Songa holds a Bachelor’s Degree in Economics from the National University of Rwanda, is currently pursuing an MBA from Oklahoma Christian University and has been exposed to numerous training in various fields.

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Sylvio HABINEZA

Acting Head Risk & Internal Control and Compliance Manager

Mr. Sylvio HABINEZA joined Cogebanque Plc in 2017. He has 12+ years of financial services experience and worked for 9 years in Senior Compliance, Risk Management and Internal control positions. His knowledge cuts across compliance, fraud, operations, credit, risk management & mitigation and business process. Prior to joining Cogebanque Plc, he worked as the Ag, Head Conduct & Compliance and Compliance Advisor at Access Bank Rwanda.

Sylvio holds a Bachelor of Business Administration in Finance from the School of Finance and Banking (SFB). He is a Certified Banker from Lagos School of Excellence, a Certified Compliance Professional by IABFM and has been exposed to several trainings in various fields.

Sylvio HABINEZA

0788 526 740

Acting Head Risk & Internal Control and Compliance Manager

Mr. Sylvio HABINEZA joined Cogebanque Plc in 2017. He has 12+ years of financial services experience and worked for 9 years in Senior Compliance, Risk Management and Internal control positions. His knowledge cuts across compliance, fraud, operations, credit, risk management & mitigation and business process. Prior to joining Cogebanque Plc, he worked as the Ag, Head Conduct & Compliance and Compliance Advisor at Access Bank Rwanda.

Sylvio holds a Bachelor of Business Administration in Finance from the School of Finance and Banking (SFB). He is a Certified Banker from Lagos School of Excellence, a Certified Compliance Professional by IABFM and has been exposed to several trainings in various fields.

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