executive management team

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Emmanuel Mugandura

CFO and Acting CEO

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

CFO and Acting CEO

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 19 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 19 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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