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.

Lois joined Unguka Bank in 2015 as HR Manager. Currently she is working as Acting Head HR Administration. She worked with BNR for more than 15 years in various positions especially in Human Resources Department for 6 years. She holds Master degree in Human Resources Management from the Eastern Africa University of Baraton / Kenya and a Bachelor degree in Administrative sciences from the Independent University of Kigali.

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.

With more than 10 years in IT fields, Maurice RWABUHUNGU has a solid background in IT infrastructure and System stabilization. He had a chance to work in different industries, Telecommunication and Banking industry which have exposed him to the latest technologies. Maurice RWABUHUNGU is currently Head of information technology within Unguka Bank Plc. Prior to joining UB he has worked for KT Rwanda Networks where he held various position including IT and SDM Manager and senior database administrator. Before that he was Senior Database administrator at VisionFund Rwanda and he has been database administrator for Unguka Bank for 2 years before joining VisionFund Rwanda. Maurice RWABUHUNGU holds a Master of Science (MSc.) from Lovely Professional University of Punjab in India and a bachelor’s degree in Computer Sciences from National University of Rwanda.

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.