executive management team

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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 Finance Officer

Mr. Emmanuel is the CFO who has been acting as Chief Executive Officer from January to end of April 2021, a position he was appointed to, by the Board of Directors on December 31, 2020.

Emmanuel has over 17 years of experience and he has been in senior managerial capacities within Rwandan Banking industry for the last 14 years. Prior to Joining Cogebanque as CFO in 2017, Emmanuel had assumed the same role 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 financial sector, ranging from financial planning and management, treasury management and strategic planning as well as Audit and risk management.

Prior to 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.

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 MUGANDURA

+250 788 309 520

Chief Finance Officer

Mr. Emmanuel is the CFO who has been acting as Chief Executive Officer from January to end of April 2021, a position he was appointed to, by the Board of Directors on December 31, 2020.

Emmanuel has over 17 years of experience and he has been in senior managerial capacities within Rwandan Banking industry for the last 14 years. Prior to Joining Cogebanque as CFO in 2017, Emmanuel had assumed the same role 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 financial sector, ranging from financial planning and management, treasury management and strategic planning as well as Audit and risk management.

Prior to 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.

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.

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Joel KAYONGA

Commercial Director

Mr. Joel 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

+250 788 313 290

Commercial Director

Mr. Joel 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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George NDIZIHIWE

Director of Credit

Mr. Georges is currently the Director of Credit and has been serving COGEBANQUE for over 22 years; since almost its establishment in 2000.

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).


George NDIZIHIWE

+250 788 304 202

Director of Credit

Mr. Georges is currently the Director of Credit and has been serving COGEBANQUE for over 22 years; since almost its establishment in 2000.

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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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 both in 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 Bank to maintain its remarkable growth.

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

Certified HR person, he holds a Bachelor’s degree in Administration from Kigali Independent University and has done various executive trainings 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 both in 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 Bank to maintain its remarkable growth.

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

Certified HR person, he holds a Bachelor’s degree in Administration from Kigali Independent University and has done various executive trainings 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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Vivien Fidence KATABARWA

Acting Director of Operations Services & Head of IT

Mr. Vivien has 16 years of broad IT experience and over 6 years in a managerial capacity.

Before assuming the role of Head of IT, Vivien was a System Engineer for 5 years and specialized in use of Linux and UNIX system for high end Banking systems. He managed Financial and Billing Systems Databases for both Oracle and SQL Server.

He holds a Bachelor’s degree in Information Systems from Adventist University of Central Africa, and is an IBM Certified Specialist System Administration.

Vivien Fidence KATABARWA

+250 788 312 602

Acting Director of Operations Services & Head of IT

Mr. Vivien has 16 years of broad IT experience and over 6 years in a managerial capacity.

Before assuming the role of Head of IT, Vivien was a System Engineer for 5 years and specialized in use of Linux and UNIX system for high end Banking systems. He managed Financial and Billing Systems Databases for both Oracle and SQL Server.

He holds a Bachelor’s degree in Information Systems from Adventist University of Central Africa, and is an IBM Certified Specialist System Administration.

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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

Head of Risk and Internal Control

Mr. Jean Damascene has spent the last 12 years in Risk and Compliance roles in the Banking sector. 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 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

Head of Risk and Internal Control

Mr. Jean Damascene has spent the last 12 years in Risk and Compliance roles in the Banking sector. 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 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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