Senior Management

Wilfred Musau 
Managing Director & CEO
Mr. Musau joined the Bank in September 2015 as the Director responsible for Retail and Premium Banking. He was appointed as the Managing Director and CEO in April 2016 and confirmed to the position in October 2016. He has 20 years extensive banking experience in Consumer and Business Banking. He has worked for Barclays Bank Kenya Limited, Standard Chartered Bank, KCB Bank Group in Kenya and Rwanda and NIC Bank PLC in various senior leadership roles.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, Extensive training in Banking and is an alumnus of Strathmore Business School (SBS) in leadership training programs and the Advanced Management Leadership Program in the same institution in 2017. He is an SME Champion and has managed successful business turnaround assignments in his various Banking roles in the last 10 years. He is a member of the Bank’s subsidiary boards; NatBank Trustees and Invesment Services and NBK Insurance Agency.


Reuben Koech
Director, Corporate Banking
Mr. Koech joined National Bank in Au-gust 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 21 years of banking experience leading growth in the Corporate Banking 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 National Bank, Reuben worked with 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 GT-Bank- Kenya , Uganda & Rwanda), Stanbic Bank (Kenya & South Africa) and Standard Chartered Bank in various leadership roles.


Peter Kioko 
Chief Finance Officer(CFO)
Mr. Kioko joined the Bank in November 2016 as the Chief Finance Officer (CFO). He holds a B.Com (Accounting Option) from the University of Nairobi, is a Certified Public Accountant and a Post graduate Diploma from the University of Bradford.Peter has 21 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 National Bank, he worked at EABL International Ltd as Finance Director.

He is a member of ICPAK


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 at United States International University in collaboration with the Columbia Business School, Columbia University, New York. He has 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 4 years, prior to which, he held a similar position at Diamond Trust Bank Kenya Limited (DTB).


Cromwell Kedemi 
Director, Retail Banking
Mr. Kedemi joined National 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 a banker with more than 21 years’ experience leading growth and developing high performing teams and systems at leading international and in 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. Previously, he worked with KCB, where he was part of the team that pioneered the Retail Banking Sales.


Bernadette Ngara 
Director, Marketing, Corporate Communications and Customer Experience
Ms. Ngara joined the Bank in 2014 as the Director, Marketing and Corporate Communications. She has in the past handled the Marketing and Corporate Communications and Corporate Citizenship as well as Sustainability Reporting in the banking industry.Ms Ngara has experience in advertising handling brands in the FMCG, NGO and service industries. She has worked in the banking industry in different markets including Kenya, Uganda, Rwanda and Nigeria.

She has over 20 years working experience in the banking sector and is a dynamic, passionate and customer-centric marketing communications specialist. Working in diverse industries from Manufacturing to banking (both local and international), she has brought life to both new and existing brands. She has particular expertise in Strategic Marketing Management, PR, CSR, Customer Analytics and Digital Marketing.

Bernadette has attended several executive leadership courses through Raiser Resource Group for Crestcom International, Cambridge University and Strathmore Business School. She holds an MA in International Marketing from University of Central England and is a Chartered Marketer (CIM).


Musa 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 various management capacities in different Banks in Kenya. He has over 9 years’ experience 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 Gathongo 
Director Credit
Mr. Gathongo joined the Bank in November 2016. He holds an MBA (Finance) of from University of Leicester – UK and Bachelors of Commerce from the University of Nairobi.He also holds professional qualifications in ACIB – London and CPA – Kenya. Stephen has 24 years working experience in the field of Credit Management. Prior to joining the Bank, he worked as a Senior Manager Credit at KCB.

Previously, he worked at Barclays Bank in various positions and also at KCB Uganda as Head of Corporate Banking and Head of Credit where he set up the Credit and Corporate Banking functions (for Uganda), centralized credit approvals, credit administration and securitization process.


Zablon Jowi
Director, Internal Audit
Mr. Jowi joined the Bank in November 2016. He has over 15 years’ working experience in Internal Audit, having served in various organizations including Commercial Bank of Africa, I&M Bank, and Gulf African Bank where he was Assistant General Manager in-charge of Internal Audit department before joining National 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 holds an MBA (Human Resource Management) from the University of Nairobi, a Bachelor of Education (Business Studies) degree from Kenyatta University and various certifications in Human Resource Management, Banking and Leadership including Corporate Governance.Prior to joining National Bank, Mr. Mungumi was Chief Manager, Human Resource Development & Performance Management at Kenya Revenue Authority (KRA).

He previously served as Head Talent Management & Senior HR Business Partner at the Co-operative Bank of Kenya, Senior HR Services Manager at Equity Bank and HR Business Support Manager at Kenya Commercial Bank (KCB). He has had the opportunity to work in different markets including Tanzania, Uganda, Rwanda and South Sudan. He has over 17 years of working experience and exposure in Human Resource Management.

He is a member of the Institute of Human Resource Management of Kenya (IHRM) and Human Capital Institute (HCI) and a Governing Council Member of the Kenya Institute of Bankers.


Paul Mureithi
Director, Operations
Mr. Mureithi joined the Bank in July 2017. Paul is a Bachelor of Science degree 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 in 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 28 years.


Shadrack Kiamuko
Ag. Director, Information and Communications Technology
Mr. Kiamuko joined the Bank mid-2013 as Head of Infrastructure and Data Centre.He holds a BSc (Physics & Electronics) and is an accomplished Information Technology professional with 23 years of experience.

Prior to joining the Bank, Shadrack was a Senior Manager at Co-operative Bank in charge of Business Systems and Regional Technical Support Manager at Standard Chartered Bank in charge of technical support East, Central and Southern Africa. While at Standard Chartered, undertook regional assignments in Dubai, Ghana, Nigeria, Botswana, South Africa, Zambia and Uganda.