Senior Management

The management team is headed by the Managing Director and CEO, Mr. Wilfred Musau.


    • Mr. Wilfred Musau

      Managing Director & CEO

      Mr. Wilfred Musau

      Wilfred Musau – Managing Director & CEO

      The Managing Director & CEO, Mr. Wilfred Musau, joined the Bank in September 2015 . He joined the bank as the Director in charge of  the Retail & Premium banking division. Wilfred is a B.Com holder from Kenyatta University – Major in Banking and Finance, Holds a Masters Class certification in Strategy- USB University of Stellenbosch Business School – SA, UK Euro Money training in – advanced corporate banking, Master class in SME Banking and Master Class in Retail banking.

      Prior to joining NBK, Mr. Musau held several senior management positions at NIC Bank, Barclays Bank of Kenya, Standard Chartered bank and KCB bank group including Deputy MD & Head of Corporate banking- KCB Rwanda, Head of branch business- NIC Bank Kenya, Head of Business banking- NIC Bank Kenya, Head of SME Banking- KCB Kenya, among others. He has over 18 years of consumer and commercial banking experience coupled with local and international experience and exposure.

    • Mr. Reuben Koech

      Mr. Reuben Koech

      Ag. Director, Corporate Institutional & Business Banking

      Mr. Reuben Koech

      Reuben Koech – Ag. Corporate Institutional & Business Banking

      Mr. Koech joined National Bank in August 2013. He holds a Bachelor of Arts (Economics Majors) and MBA, Strategic Management Option both from the University of Nairobi. He also has certification in credit assessment and analysis by Omega of UK and Culhanne
      of South Africa. Reuben is a career banker with more than 16 years of experience leading growth in the Corporate Banking space and developing high performance teams at leading international as well as regional banks.
      He has significant experience in Corporate relationship management for public and private sectors, retail banking, credit analysis & assessment and management, complex loan syndications including PPP financing projects,
      renewable energy finance etc. Prior to joining the Bank, Reuben worked for The Co-operative Bank of Kenya as a Senior Manager in charge of Energy and Manufacturing Sector within Corporate Banking & Trade Finance Unit.
      He has also worked for Fina Bank (Now GTBank), CfC Stanbic Bank and Standard Chartered Bank in various leadership roles.

    • Mr. Habil Waswani

      Mr. Habil Waswani

      Company Secretary & Director Legal Services & Compliance

      Mr. Habil Waswani

      Habil Waswani- Company Secretary & Director Legal Services & Compliance

      Mr. Waswani joined National Bank in August 2013. He holds a Bachelor of Laws (LL.B) Degree from The University of Nairobi, a Diploma in law from the Kenya School of Law and is a graduate of the Global Executive Master of Business Administration (GEMBA) Degree programme from United States International University in collaboration with the Columbia Business School, Columbia University, New York. He has also attended various professional management and corporate governance capacity building courses.

      Habil is an Advocate of the High Court of Kenya and a registered Certified Public Secretary. He is a member of the Law Society of Kenya (LSK), the Institute of Certified Public Secretaries of Kenya (ICPSK) and the Institute of Directors (IOD). Mr. Waswani was previously the Corporation Secretary and Head of Legal at Kenya Reinsurance Corporation Limited, a publicly listed reinsurance company, for a period of 4 years, prior to which, he held a similar position at Diamond Trust Bank Kenya Limited (DTB), also a publicly listed banking institution. Habil has over 12 years’ experience in commercial and corporate law practice.

    • Mr. Thomas Gachie

      Mr. Thomas Gachie

      Director, Operations

      Mr. Thomas Gachie

      Mr. Thomas Gachie, Director Operations

      Mr. Gachie Joined National Bank in November 2012 . He holds a Bsc (Mathematics and Computer Science), Postgraduate Diploma in Computer Science and an MBA (Management Science) all from the University of Nairobi. He is also a holder of Graduate Diploma in Banking from the University of London, a Certified Information Systems Auditor (CISA), Certified Information Security Manager (CISM) and Certified Basel II professional.

      He has been involved in many Institutional Transformation Programmes for over 17 years starting with IberAfrica Systems as a SAP consultant, Co-operative Bank, Madison Insurance and Standard Charted Bank at regional roles. Meanwhile he is a trained, certified and practicing Lean Six Sigma Black Belt professional a leading operations management best practices credential. He is currently pursuing a Doctorate in Business Administration from the Edinburgh Business School.
      LinkedIn Profile

    • Mr. Cromwell Kedemi

      Mr. Cromwell K. Kedemi

      Ag. Director, Retail & Premium Banking

      Mr. Cromwell Kedemi

      Mr. Cromwell K. Kedemi – Ag. Director, Retail & Premium Banking

      Mr. Kedemi joined the Bank in June 2013. He holds a Bachelor’s degree in Economics and Sociology from the University of Nairobi and an MSC in Entrepreneurship from Jomo Kenyatta University of Agriculture and Technology (JKUAT), and is currently pursuing an MBA at Strathmore University, Nairobi. Cromwell is an experienced banker with more than 20 years of experience leading growth and developing high performing teams and systems at leading international and regional banks.

      He has significant experience across a broad range of banking operations including managing delivery channels and sales team and a deep expertise in business strategy. Prior to joining the Bank, Cromwell worked for Barclays Bank of Kenya as the acting Head of Small and Medium Enterprises Banking. He also previously worked with KCB, where he was among the team that pioneered the Retail Banking sales.

    • Ms. Bernadette Ngara

      Ms. Bernadette Ngara

      Director, Marketing and Corporate Communication

      Ms. Bernadette Ngara

      Ms. Bernadette Ngara – Director, Marketing and Corporate Communication

      Ms. Bernadette Ngara serves as the Director, Marketing and Corporate Communication at National Bank. She joined the Bank in 2014. She has, in the past, handled the Marketing and Corporate Communications and CSR functions of other banks in the industry. She is a dynamic, passionate and customer centric marketing-communications specialist.
      Having worked in diverse industries, ranging from Manufacturing, banking (both local and international), she has brought life to brands that are startups as well as existing ones. She has particular expertise in Strategic Marketing Management, Customer Analytics and Digital Marketing.
      Bernadette has attended several executive leadership courses through Raiser Resource Group for Crestcom International. She holds an MA in International Marketing from University of Central England and is a Chartered Marketer (CIM).
      LinkedIn Profile

    • Mr. Musa A. Adan

      Mr. Musa A. Adan

      Director, Islamic Banking

      Mr. Musa A. Adan

      Mr. Musa A. Adan – Director, Islamic Banking

      Mr. Adan joined the Bank in March 2013 as Head of Business development in the Islamic Banking Division. He rose to the current position of Director Islamic Banking in 2014. He is a career banker with a track record of over 20 years having worked in different management capacities in different Banks in Kenya. He has over 8 years in senior management of Islamic Banking.

      He formerly worked at Gulf African Bank ltd as the Regional Manager in charge of Business growth and Market acquisition. He is a pioneer in Shari’ah banking in different capacities. He holds B.com (Hons) and MBA from the University of Nairobi and ACIB-UK.

    • Mr. Paul Abwonji

      Mr. Paul Abwonji

      Ag. Director, Internal Audit

      Mr. Paul Abwonji

      Mr. Paul Abwonji – Ag. Director, Internal Audit


      CPA Abwonji Paul is a Career Banker and holds a Bsc. In Accounting Oxford Brookes University, a Certified Public Accountant of Kenya, a Fellow of the Association of Chartered Certified Accountants UK. He is a member of the Institute of Certified Public Accountants Kenya (ICPAK), Institute of Internal Auditors Kenya (IIA-Kenya) and Association of Chartered Certified Accountants (ACCA). He has 22 years of experience in NBK where he has held various positions in Bank Operations, ICT, Finance, Strategy and Audit.

    • Mr. Francis Ogwao

      Mr. Francis Ogwao

      Ag. Director Integrated Distribution Channels

      Mr. Francis Ogwao

      Mr. Francis Ogwao – Ag. Director Integrated Distribution Channels

      Mr. Francis Ogwao serves as the Ag. Director, Integrated Distribution Channels at National Bank. He joined the Bank in 1986. He has, in the past, handled branch management functions in various branches and until recently was Head of Branch Operations in National Bank. He is self driven, results oriented and customer centric in his approach to solution delivery.

      Having worked in the Bank for 30 years in various capacities both at branch and Head Office, he posses expertise in banking operations and Asset & Liability management.
      Francis has attended several executive leadership and Euro Money Retail banking courses including business leadership and change, He holds a Bachelors of Commerce degree in Accounting from University of Nairobi.

    • Mr. Shem N. Omuga

      Mr. Shem N. Omuga

      Ag. Director, Human Resources

      Mr. Shem N. Omuga

      Mr. Shem N. Omuga – Ag. Director, Human Resources

      Shem joined the Bank in December 2015. He is a Human Resource Professional with over 12 years of HR management experience spanning over Telecommunications, Aviation, Banking and Electronics industries. Prior to his current appointment, Shem worked with Samsung Electronics East Africa as a Regional Head of Talent and Organization Development with a scope covering 17 countries in East and Central Africa.
      He has also previously worked with Chase Bank as Senior Human Resources Manager, Kenya Airways and Celtel Kenya (Zain) in various capacities.
      He holds an MBA in Strategic Management (University of Nairobi), Bachelor’s degree in Education (Kenyatta University), Higher National Diploma in Human Resource management, SHL certified assessor, Re Measure Job Evalaution Certification (PwC) and IATA certification in Training needs analysis, Instructional design and instructional techniques.
      He is well experienced in setting up HR strategy & structures and leading HR teams to deliver competitive performance through increased employee engagement. He has strong business acumen and commercial mindset required to align HR strategy to the business strategy.
      His core competencies include Organization Design & Strategy Development, Talent Acquisition, Talent Management, Learning and Development, Strategic Performance Management, Employee Relations, Compensation & Benefits management.