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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.
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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