executive management team

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Cherno GAYE

Chief Executive Officer

Mr. Cherno is a Charter Certified Accountant and an Investment Professional. Most recently, Cherno was the CEO of FinCity Investment Advisory Limited, a company he founded in 2017. Prior to that, he was CFO of BPR (part of Atlas Mara) and CFO and Deputy CEO of BRD Commercial Bank (a fully owned subsidiary of Atlas Mara which was later merged into BPR).

He was Chief Finance Officer of Banque Commerciale du Rwanda (BCR), now part of the I&M Group from 2005 to 2010. Before this assignment, He was Head of Finance/Finance Manager of Maersk (Gambia) Limited, a subsidiary of AP Moller Maersk A/S Group. Cherno also worked as an external auditor with both KPMG and Deloitte and Touche. He has provided consultancy services to various companies in Rwanda as well.

He has over 17 years of post-qualification experience and has been exposed to many areas such as financial reporting, audit, corporate finance, asset and liability management, investment management, corporate strategy & business development and general company management.

He currently serves on the board of Crystal Telecom, a company listed on the Rwanda Stock Exchange and previously served on the board of Rwanda Energy Company – REC as vice chairman.

He is a CFA charter holder and a member of the CFA Institute in Charlottesville USA and the CFA Society of South Africa. He is a fellow member of the Association of Chartered Certified Accountants (ACCA). He is also a founding member of the Institute of Certified Public Accountants of Rwanda ICPA(R).

He is a CFA charter holder and a member of the CFA Institute in Charlottesville USA and the CFA Society of South Africa. He is a fellow member of the Association of Chartered Certified Accountants (ACCA). He is also a founding member of the Institute of Certified Public Accountants of Rwanda ICPA(R).

Cherno GAYE

Chief Executive Officer

Mr. Cherno is a Charter Certified Accountant and an Investment Professional. Most recently, Cherno was the CEO of FinCity Investment Advisory Limited, a company he founded in 2017. Prior to that, he was CFO of BPR (part of Atlas Mara) and CFO and Deputy CEO of BRD Commercial Bank (a fully owned subsidiary of Atlas Mara which was later merged into BPR).

He was Chief Finance Officer of Banque Commerciale du Rwanda (BCR), now part of the I&M Group from 2005 to 2010. Before this assignment, He was Head of Finance/Finance Manager of Maersk (Gambia) Limited, a subsidiary of AP Moller Maersk A/S Group. Cherno also worked as an external auditor with both KPMG and Deloitte and Touche. He has provided consultancy services to various companies in Rwanda as well.

He has over 17 years of post-qualification experience and has been exposed to many areas such as financial reporting, audit, corporate finance, asset and liability management, investment management, corporate strategy & business development and general company management.

He currently serves on the board of Crystal Telecom, a company listed on the Rwanda Stock Exchange and previously served on the board of Rwanda Energy Company – REC as vice chairman.

He is a CFA charter holder and a member of the CFA Institute in Charlottesville USA and the CFA Society of South Africa. He is a fellow member of the Association of Chartered Certified Accountants (ACCA). He is also a founding member of the Institute of Certified Public Accountants of Rwanda ICPA(R).

He is a CFA charter holder and a member of the CFA Institute in Charlottesville USA and the CFA Society of South Africa. He is a fellow member of the Association of Chartered Certified Accountants (ACCA). He is also a founding member of the Institute of Certified Public Accountants of Rwanda ICPA(R).

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Louis de Montfort MUJYAMBERE

Director of Operations

Mr. Montfort is currently the Director of Operations, and has been working with COGEBANQUE since 2002 soon after the Bank’s establishment. He arrived at COGEBANQUE with a strong finance education, coupled with a keen desire towards business development teams.

Starting as a Junior Credit Analyst, Montfort’s rose through the ranks to become Chief Credit Analyst, and then Deputy Director of Credit, later he was appointed as the Business Development and Commercial Director, currently, he serves as the Director of Operations.

Mujyambere holds a Master’s Degree in Business Administration – MBA from Maastricht (the Netherlands) in collaboration with Esami (Tanzania).

Louis de Montfort MUJYAMBERE

Director of Operations

Mr. Montfort is currently the Director of Operations, and has been working with COGEBANQUE since 2002 soon after the Bank’s establishment. He arrived at COGEBANQUE with a strong finance education, coupled with a keen desire towards business development teams.

Starting as a Junior Credit Analyst, Montfort’s rose through the ranks to become Chief Credit Analyst, and then Deputy Director of Credit, later he was appointed as the Business Development and Commercial Director, currently, he serves as the Director of Operations.

Mujyambere holds a Master’s Degree in Business Administration – MBA from Maastricht (the Netherlands) in collaboration with Esami (Tanzania).

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Emmanuel Mugandura

Chief Financial Officer

Prior to joining COGEBANQUE, Emmanuel was CFO of Urwego Opportunity Bank, where he also worked as head of Internal Audit, and Chief Risk Management Officer.

He has over 12 years of professional experience, in which he held different responsibilities, and gained experience in Audit and risk management, Treasury, Accounting, strategic planning and managing different stakeholders.

Prior to joining the banking sector, he worked with Rwanda Auditor General’s Office where he audited different public institutions; he also served at the National University of Rwanda as an accountant.

Mr. Mugandura is a Chartered Certified Account and a member of the Association of Chartered Certified Accountants (ACCA), He holds a Bachelor’s degree in Accounting Science from the National University of Rwanda.

Emmanuel Mugandura

Chief Financial Officer

Prior to joining COGEBANQUE, Emmanuel was CFO of Urwego Opportunity Bank, where he also worked as head of Internal Audit, and Chief Risk Management Officer.

He has over 12 years of professional experience, in which he held different responsibilities, and gained experience in Audit and risk management, Treasury, Accounting, strategic planning and managing different stakeholders.

Prior to joining the banking sector, he worked with Rwanda Auditor General’s Office where he audited different public institutions; he also served at the National University of Rwanda as an accountant.

Mr. Mugandura is a Chartered Certified Account and a member of the Association of Chartered Certified Accountants (ACCA), He holds a Bachelor’s degree in Accounting Science from the National University of Rwanda.

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Joel KAYONGA

Commercial Director

Joel KAYONGA is currently the Commercial Director, having assumed the role in mid- 2019 and is primarily charged with overseeing the Bank’s business segments- i.e. Retail, Business, and Corporate Banking as well as Marketing and Product Development, and Digital Banking and Alternative Channels.  

He has previously served as the Deputy Director of Credit, prior to assuming the role of Director of Credit in late 2016 overseeing the bank’s credit portfolio. Before joining, he served in the Financial Sector Development Secretariat and then as Advisor to the Minister in the Ministry of Finance and Economic Development.

He holds a Masters of Arts (Hons) in Economics and Finance from University of Aberdeen, in the UK, and a Masters of Arts in International Comparative and Commercial Law from School of Oriental and African Studies, University of London.

Joel KAYONGA

Commercial Director

Joel KAYONGA is currently the Commercial Director, having assumed the role in mid- 2019 and is primarily charged with overseeing the Bank’s business segments- i.e. Retail, Business, and Corporate Banking as well as Marketing and Product Development, and Digital Banking and Alternative Channels.  

He has previously served as the Deputy Director of Credit, prior to assuming the role of Director of Credit in late 2016 overseeing the bank’s credit portfolio. Before joining, he served in the Financial Sector Development Secretariat and then as Advisor to the Minister in the Ministry of Finance and Economic Development.

He holds a Masters of Arts (Hons) in Economics and Finance from University of Aberdeen, in the UK, and a Masters of Arts in International Comparative and Commercial Law from School of Oriental and African Studies, University of London.

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Georges NDIZIHIWE

Director of Credit

Georges NDIZIHIWE is the Director of Credit and has been serving COGEBANQUE for over 18 years.

Trained in both Law and professional banker course, Georges is also experienced with a great and extensive technical and managerial background in different areas such as banking operations, business development, branches network and legal advisory.

He occupied different senior positions among them, Bank Legal Adviser, Head of Branch’s Network, Head of operations which included the Electronic and Digital Channels, International trade Finance with various methods of settlement, (Import & Export, Trade Finance, International transfers, Lcs, etc.), local Settlement system with its all in-house and domestic transactions in different currencies, etc.

Georges holds a Bachelor’s degree in Law, a Certified Professional Banker Course (CPB), and undergone numerous training in banking and financial services offered by reputable institutions.

Favorite quote: “85% of your financial success is due to your personality and ability to communicate, negotiate and lead. Shockingly, only 15% is due to technical knowledge.” (Carnegie Institute of Technology).


Georges NDIZIHIWE

Director of Credit

Georges NDIZIHIWE is the Director of Credit and has been serving COGEBANQUE for over 18 years.

Trained in both Law and professional banker course, Georges is also experienced with a great and extensive technical and managerial background in different areas such as banking operations, business development, branches network and legal advisory.

He occupied different senior positions among them, Bank Legal Adviser, Head of Branch’s Network, Head of operations which included the Electronic and Digital Channels, International trade Finance with various methods of settlement, (Import & Export, Trade Finance, International transfers, Lcs, etc.), local Settlement system with its all in-house and domestic transactions in different currencies, etc.

Georges holds a Bachelor’s degree in Law, a Certified Professional Banker Course (CPB), and undergone numerous training in banking and financial services offered by reputable institutions.

Favorite quote: “85% of your financial success is due to your personality and ability to communicate, negotiate and lead. Shockingly, only 15% is due to technical knowledge.” (Carnegie Institute of Technology).


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Mary Ashimwe

Director of Human Resources and Administration

Mary Ashimwe is the Director of HR and Administration at COGEBANQUE plc with over 23 years’ practical experience and exposure in Human Capital Management, Leadership, Administration and Economic Development

in both Corporate and Public Sector acquired during her 10 years at MTN Rwandacell as General Manager for Human Resources and Corporate Affairs Management and Sr. Manager for HR & Administration; 7 years as Deputy Executive Secretary-in charge of Administration, Human Resources and Finance Management at National Electoral Commission of Rwanda and 6 years at Kigali City as a Deputy Mayor in charge of Finance and Economic Development.

Mary is/has been a player in other civil and social responsibilities that include being a Councillor at Nyarutarama Cell in Remera Gasabo District, Kigali City and was a Women Councillor in Kimihurura Sector – Kacyiru District in Kigali City. Mary is also a Board Member for Horizon Group Limited & Chairperson for its Human Resources & Remuneration Board Committee for 10 years; Board Member for National Industrialization & Research Development Agency (NIRDA) since 2014, was a Board Chairperson for Genocide Survivors Fund (FARG) for 8 years & Board Member for Adventist Radio Voice of Hope for 4 years.

Mary is a Certified Human Resources Business Partner and holds an MBA degree from the Maastricht School of Management in The Netherlands. She also has a Post-Graduate Diploma in Development Studies from Kimmage Manor Development Studies Center in the Republic of Ireland and a Bachelor of Social Sciences from Makerere University in the Republic of Uganda.

Mary Ashimwe

Director of Human Resources and Administration

Mary Ashimwe is the Director of HR and Administration at COGEBANQUE plc with over 23 years’ practical experience and exposure in Human Capital Management, Leadership, Administration and Economic Development

in both Corporate and Public Sector acquired during her 10 years at MTN Rwandacell as General Manager for Human Resources and Corporate Affairs Management and Sr. Manager for HR & Administration; 7 years as Deputy Executive Secretary-in charge of Administration, Human Resources and Finance Management at National Electoral Commission of Rwanda and 6 years at Kigali City as a Deputy Mayor in charge of Finance and Economic Development.

Mary is/has been a player in other civil and social responsibilities that include being a Councillor at Nyarutarama Cell in Remera Gasabo District, Kigali City and was a Women Councillor in Kimihurura Sector – Kacyiru District in Kigali City. Mary is also a Board Member for Horizon Group Limited & Chairperson for its Human Resources & Remuneration Board Committee for 10 years; Board Member for National Industrialization & Research Development Agency (NIRDA) since 2014, was a Board Chairperson for Genocide Survivors Fund (FARG) for 8 years & Board Member for Adventist Radio Voice of Hope for 4 years.

Mary is a Certified Human Resources Business Partner and holds an MBA degree from the Maastricht School of Management in The Netherlands. She also has a Post-Graduate Diploma in Development Studies from Kimmage Manor Development Studies Center in the Republic of Ireland and a Bachelor of Social Sciences from Makerere University in the Republic of Uganda.

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