Senior Management

The management team is headed by the Managing Director and 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. An alumni of Strathmore Business School in leadership training programs. Currently undertaking Advanced Management Leadership Program at the SBS

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 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 19 years of consumer and commercial banking experience coupled with local and international experience and exposure. He sits as the Chairman of Audit committee as an institutional Director at IDB (Capital K).


Reuben Koech Director, Corporate 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 18 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), Stanbic Bank (Kenya & South Africa) and Standard Chartered Bank in various leadership roles.


Peter M. Kioko Chief Finance Officer(CFO)

Mr. Peter joined the Bank in November 2016 as the Chief Finance Officer (CFO) responsible for financial strategic leadership in the bank, providing efficient management of resources and providing support in the development and implementation of the corporate strategy of the Bank.

He holds a B.Com (Accounting Option) from University of Nairobi and is a Certified Public Accountant currently undertaking an MBA in University of Bradford.

Peter has 20 years experience in various companies within the broader financial management domain of banking, FMCG and manufacturing sectors. These include Kenya Shell/BP Ltd (Group Financial Controller), Shell international (Global Internal Auditor), CFC Stanbic Bank (Finance Manager- Corporate and Investment Banking), EABL Group (Head of Risk & Audit). Prior to joining the bank he worked at EABL International LTD as Finance Director.


Habil Waswani

Company Secretary & Director Legal Services

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- Kenya). 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 14 years’ working experience in commercial and corporate law practice.

Cromwell K. Kedemi 

Director, Retail 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.


Bernadette Ngara Director, Marketing, Corporate Communications and Customer Experience 

Ms. Ngara serves as the Director, Marketing, Corporate Communication and Customer Experience at National Bank. She joined the Bank in 2014. She has in the past, handled the Marketing and Corporate Communications and corporate citizenship as well as sustainability reporting in the banking industry and has experience in advertising handling brands in the FMCG, NGO and service industries. While working within the Banking Industry, she had the opportunity to work in different markets including Uganda, Rwanda and Nigeria. She has over 20 years working experience in the banking sector. 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, PR, CSR, Customer Analytics and Digital Marketing.

Bernadette has attended executive leadership courses at Strathmore Business School and Personnel Management and Industrial Relations at Cambridge College (UK). She is a Chartered Marketer and holds an MA in International Marketing from University of Central England and a Postgraduate Diploma in Marketing from the Chartered Institute of Marketing (CIM-UK).

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 (Hons) and MBA from the University of Nairobi and ACIB-UK.


Stephen G. Gathongo Director Credit

Mr. Stephen G. Gathongo joined the Bank in November 2016 as the Director Credit responsible for management of the Banks credit function and providing leadership and guidance in all matters relating to credit management, credit approvals, monitoring and controlling the credit portfolio, as well as debt recovery.

He holds an MBA (Finance) from University of Leicester- UK and bachelors of Commerce from University of Nairobi. He holds professional qualifications in ACIB- London and CPA-Kenya.

Stephen has 22 years vast working experience in the field of Credit Management. Prior to joining the bank, He worked as a Senior Manager Credit in KCB. Previously he has worked in Barclays Bank in various positions and in KCB Uganda as Head of Corporate Banking and Head of Credit where he set up the credit functions (for UG), centralized credit admin and securitization process.


Zablon Jowi

Director, Internal Audit

Mr. Jowi joined the Bank in November 2016. He has over 15 years working experience in the field of Internal Audit, having served in various organizations which include Commercial Bank of Africa, I&M Bank, and lastly at Gulf African Bank as Assistant General Manager incharge of Internal Audit department before joining the Bank.

He holds a Master of Business Administration (Strategic Management) from the University of Nairobi and a Bachelor of Science in Business Administration (Accounting) degree from United States International University (USIU). He is also a Certified Public Accountant of Kenya and a member of the Institute of Certified Public Accountants of Kenya (ICPAK), Institute of Internal Auditors and ISACA.


Rodgers Mungumi Director, Human Resources

Mr. Mungumi joined the Bank in December 2016. He joined the Bank as the Director in charge of Human Resources Division. He holds an MBA (Human Resources Management) from the University of Nairobi, a Bachelor of Education (Business Studies) degree from Kenyatta University and various HR and other Banking and Leadership certifications including Corporate Governance.

Prior to joining National Bank, Mr. Mungumi held the position of Chief Manager, Human Resource Development & Performance Management at Kenya Revenue Authority (KRA). He has also held several Senior HR Management positions at the Co-operative Bank of Kenya, Equity Bank and Kenya Commercial Bank (KCB). While working within the Banking Industry, he had the opportunity to work in different markets including Tanzania, Uganda, Rwanda and South Sudan. He has over 15 years of working experience and exposure in Human Resources Management. He is a full member of the Institute of Human Resource Management of Kenya (IHRM), member of Human Capital Institute (HCI) and a former Governing Council Member- Kenya Institute of Bankers.


Paul B Mureithi Director, Operations

The Director of Operations, Mr. Paul B Mureithi, joined the Bank in July 2017. Paul is a Bachelor of Science holder from Nairobi University, majoring in Urban & Regional Planning. He also holds an Executive Masters of Business Administration majoring in Strategy & Business Systems from the Maastricht School of Management and Eastern Africa School of Management (ESAMI). He is currently pursuing a PhD in Business Systems Design in the Modern Banking Era.

Paul has various certifications in Project Management, Change Management and Lean Six Sigma

Prior to joining National Bank, Paul worked in various capacities within the region, having served at Barclays Bank and Kenya Commercial Bank (KCB) in Kenya, Uganda, Tanzania, Sudan and Rwanda. His career in Banking spans over 27 years

He is a career Banker who has held various senior management positions with the most recent position being Head of Operations and Logistics in KCB Bank Rwanda Ltd. Before that, he held the following positions within KCB Bank, Group Head, Operational Excellence; Project Manager, T24R08 Implementation; Senior Manager – Strategy & Change among other positions. He has a wealthy of expertise in Banking Operations especially in the areas of Clearing Operations, Treasury Operations, Trade Services, Cash Management, Centralized Operations, Banking Systems, Project Management and Change Management.