Management Team

23 years working experience, +16 years in the banking and microfinance industry. Joined Unguka Bank at its inception in 2005, was appointed CEO in 2019 prior to it, have served in other managerial positions. Have contributed to its growth and success from scratch to +25 billion Rwandese Francs in total assets to date, from a small microfinance institution to a fully fledged licensed Microfinance Bank. Rwandan by Nationality, graduate of 2021 from the school of economics at the University of Rwanda with a Master of Science in Economics and 2007 Kigali Independent University (ULK), Bachelor of Science in Economics & Management.

Bachelor Degree in Management, Kigali Independent University, Associate Degree in Management, Kigali Independent University. Before joining Unguka Bank Ltd Bank Ltd she was an accountant in Supreme Courts and has held other senior position in Unguka Bank Ltd such as Branch Manager, Operations Manager, Administration and Finance Director, Operations and Transactions Director. She is working in Unguka Bank Ltd from its creation. For now she is doing her Masters Degree at UNR from October 2011.

With more than 14 years in Law, Patrick BIDAHOMBA has a solid background in Law. Prior Joining UNGUKA Bank, Patrick worked for national Post office as legal adviser for 6 years. Patrick has a bachelor’s degree in Law and a Diploma in legal practices (DLP).

He has 5 year of experience in internal control, risk and compliance acquired from I&M Bank and Equity Bank. Where he has held different positions such Internal Control and Compliance Officer, Risk and Compliance Officer among others he has been a part time lecturer at University of Lay Adventist of Kigali. He has joined Unguka Bank in April 2017. Gilbert holds a master's degree in Economics from University of Rwanda with Bachelor's degree in Monetary Economics from National University of Rwanda.

Patrick Karambizi joined UNGUKA BANK PLC as Head of Credit since April 2019. He holds a bachelor’s degree in Business Administration, Option: Finance from the Independent Institute of Lay Adventists of Kigali. He has 15 years’ experience in MSMEs loan Management including risk. Before Joining UNGUKA BANK, Patrick Karambizi has been Head of Credit at AGASEKE BANK LTD ( Now BANK OF AFRICA ) for 9 years and 4 years as Head of Credit and Risk at Atlantis Microfinance LTD.

Marcel joined UNGUKA Bank plc in January 2022, as the Head of internal audit. Prior to joining UNGUKA BANK Plc, Marcel worked for National Bank of Rwanda as Inspector, microfinance supervision. He has over 5 years of experience in Auditing, compliance, risk assessment, financial information analysis, internal controls, accounting and capacity building in highly reputable institutions including National Bank of Rwanda, Prime insurance Ltd and J&A Consultants ltd among others he works for Kibogora Polytechnic Institute and cornerstone and Luthien advisory ltd as part-time Lecturer. Marcel holds a Bachelor degree of Science in Accounting from National University of Rwanda (CBE). He is also a Certified Public Accountant (CPA) delivered by the Institute of Certified Public Accountants of Rwanda (iCPAR) and Certified Forensic Investigation Professional (CFIP) delivered by the International Institute of Certified Forensic Investigation Professionals (IICFIP) and other short courses certificate acquired in risk management and Project management delivered by Huddersfield University (UK) and Active member of IIA Rwanda. He is currently undertaking Certified Information System Auditor (CISA) courses delivered by ISACA.

Clémence joined the Bank in January 2022 with about 12 years’ banking experience in customer service, project management and Human resources management from BPR Bank Plc. Her areas of expertise are project management, workforce planning, performance management, skills audit, employee relations & engagement, talent management, developing HR policies & procedures, compensation and benefits management. She holds a Bachelor’s degree in Business Management with specialization in Marketing from Mount Kenya University and she is currently studying for the Advanced Diploma In Strategic People Management at the Chartered Institute of Personnel and Development (CIPD).

With half a decade in Banking Industry, Frank KARUGANDA has a solid background in IT infrastructure and Cybersecurity. He had a chance to work with different banks, Frank KARUGANDA is currently the acting Head of information technology within Unguka Bank Plc. Prior to joining Unguka Bank PLC he has worked for Access Bank Rwanda PLC and Bank of Africa Rwanda PLC. KARUGANDA holds a bachelor’s degree in computer science. He has held different positions throughout his career, notably the InfoSec Manager, Network & System administrator, and IT security. His area of expertise is IT infrastructure, Network administration and network security.

Aimable joined Unguka Bank in November 2019, when he first served as Treasury Manager. He has a work experience of 14 years and before joining Unguka Bank, he served Umwalimu SACCO for almost 11 years where he occupied various senior positions, successively Financial Analyst, Senior Internal Auditor, Head of Operations, Acting Managing Director and Head of Finance.Aimable has also worked as auditor with TM Auditors Ltd for 2 years before starting his financial sector career. He holds a master’s degree in Finance & Control from Amity University, India, and bachelor’s degree in Accounting Sciences from National University of Rwanda (Currently University of Rwanda). Aimable also holds ACI Dealing Certificate from ACI – The Financial Markets Association and is in final stage of CPA.

Mrs. Diane rejoined Unguka Bank in December 2021 and have over 17 years’ experience in the technology-based banking operations sector, running operational functions and leading innovative projects, from inception to successful completion and executing strategic decisions acquired from BPR Bank Plc and Unguka Bank (2017-2018). Her areas of expertise are project management, e-banking product management, banking reconciliations, operation policies procedures development. She has three years managerial experience gained from SOSOMA Industries Ltd. She holds a bachelor’s degree in Business Administration option Accounting with minor courses in IT and she is currently pursuing the project Management Professionals certification (PMP)