Senior Management Team

Mr. Sam Muturi – Chief Executive Officer

Mr. Sam Muturi joined Consolidated Bank as the Chief Executive Officer on 11th October 2022.

He joins the Bank from Kenya Commercial Bank where he was the Director, Mortgage Business. He has over 25 years’ working experience in Banking primarily obtained at Kenya Commercial Bank, where he worked in various positions within the Bank and gained valuable experience in Leadership & Supervision, Credit Analysis & Management, Policy and Compliance, Risk Management, Strategic Management and Customer/Relationship Management. He has immense knowledge and skills in growing a Bank’s Corporate/MSME/Retail/Personal Banking, Diaspora/Money Transfer Business, Retail & Commercial Mortgage Business, Project Management and Mortgage business.

He holds a Masters of Business Administration Degree from the University of Nairobi and a Bachelors of Art Degree in Economics and Business Studies from Kenyatta University. He also holds a Practitioner Diploma in Executive Coaching from the Academy of Executive Coaching (United Kingdom) and has had training on Mastering Emotional Intelligence, High Performance Coaching and Practical Project Management Principles, Inside MasterCard Operations and Visa Europe Training on Business Management amongst others.

Mr. Michael Maingi Mbuva - Principal Officer, Conso Bancassurance Intermediary Ltd

Michael Mbuva joined Consolidated Bank in January 2025 as the Principal Officer, Conso Bancassurance Intermediary Limited which is a subsidiary of the Bank.

Michael is an accomplished strategic manager with extensive experience in business management across multiple sectors, including Insurance, Banking, and Real Estate.

Michael joins the Bank from Kimisitu Insurance Agency (subsidiary of Kimisitu Sacco Ltd) where he was the Principal Officer. His role included developing and executing growth strategies, managing financials, ensuring customer satisfaction, and maintaining compliance with regulatory standards. Prior to this position, he served as a Brokers Relationship Manager at CIC with a focus on business development, broker relationship management, adherence to regulatory compliance. His role as an Executive Officer at Medifinance Ltd (subsidiary of KMA Sacco Ltd) and Branch Manager at Xplico Insurance have honed his skills in leadership, strategic management and business development.

Michael holds a Master’s Degree in Business Administration (Strategic Management) from Kenyatta University, a Bachelor of Commerce Degree (Marketing) from the Catholic University of Eastern Africa and a Diploma in Insurance from the Chartered Insurance Institute (London).

Michael also holds a Certificate of Proficiency in Insurance from the College of Insurance.

Ms. Rose N. Mukoba - Ag. Head of Human Resources

Ms. Rose Mukoba joined Consolidated Bank in April 2006 as a Human Resource Officer and has honed her skills in Human Resource Management in the last 18 years.

She has a strong background in talent management, performance management, employee relations, compensation and benefits and HR strategy development. She has played a key role in aligning HR policies with business objectives, ensuring a productive and engaged workforce, and driving HR innovation.

Rose was promoted to the position of Human Resources Manager at Consolidated Bank, a position she held for 11 years, where she was responsible for overseeing recruitment, performance management, employee relations and implementation of a HR information system.

She holds a Bachelor of Education (Arts) Degree from Kenyatta University, is a Certified Human Resource Practitioner (CHRP-K) and has a Diploma in Human Resources Management from the Kenya Institute of Management. Additionally, she has undergone leadership training including the Bullet Proof Manager Leadership Program (Crestcom) and the Trustee Development Program Kenya.

She is a practicing member of the Institute of Human Resources Management (IHRM) and has served on key committees, including the Bank’s Disciplinary Committee, the Human Resources Committee of the Kenya Bankers Association, and as a Trustee of the Bank’s Staff Retirement Benefits Scheme from 2012 to 2020.

Mr. Albert B.A Anjichi - Ag. Head of Legal & Company Secretary

Albert B.A Anjichi joined Consolidated Bank in 2016.

Albert is an accomplished Advocate of the High Court of Kenya, Company Secretary, and Governance expert with over fifteen (15) years of professional experience in the legal practice specializing in commercial law, labour relations, dispute resolution, securities, legal and regulatory compliance, litigation and corporate governance. Prior to joining the Bank, Albert worked with the ABSA Bank of Kenya Limited and Manani Lilan & Mwetich Company Advocates.

Albert holds a Master of Business Management Degree from the United States International University (USIU), a Bachelor of Law (LL.B) Degree from Moi University, a post-graduate Diploma in Law from Kenya School of Law, and is a Certified Company Secretary (CPS-Kenya).

Albert is an active member of the Institute of Certified Secretaries of Kenya (ICS-K) and the Law Society of Kenya (LSK) and has a Certification in Legal Audit & Compliance and Environmental, Social and Governance (ESG).

Mr. Tom Ochieng Ndalo - Chief Commercial Officer

Tom Ochieng Ndalo joined the Bank in the position of Chief Commercial Officer on 1st August 2023.

Tom has vast experience in the Financial sector especially in the area of Banking both in practical work experience and Consulting. He has been a Senior Advisor for various international entities in areas pertaining Legal, Trusts, Offshore Corporate Structuring and Corporate Financing, Private Banking and Wealth Management. Prior to joining the Bank, he worked for Eco Bank Incorporated as an Executive Director and Cluster Head of Domestic Banking (East Africa), KCB Group in the position of Regional Manager where he led the Business Development Unit in Corporate, Retail, Credit, Risk and Human Capital Management. He also worked at KCB Group as Head of Retail Sales, focusing on Personal Banking, MSME’s, Advantage Banking, Mortgages and Alternative Channels and also as a Senior Manager in Corporate & Institutional Banking. Prior to joining KCB Group, Tom worked at Cooperative Bank as Head of Retail Sales and at Barclays Bank as a Senior Branch Manager.

He holds a Bachelor of Arts (Economics) degree from Kenyatta University, an MBA (Strategic Management) degree from Maseno University, a Bachelors of Law (LLB) degree from University of Nairobi, a Masters of Law (LLM) degree from University of Nairobi and a Diploma in Law from the Kenya School of Law. He holds several professional Certifications in Banking Leadership, Customer Service Excellence, Ethics and Governance, Control, AML and KYC.

Mr. Japheth Kisilu – Chief Commercial Officer

Japheth Kisilu joined the Bank in 2004 as the Chief Accountant. He was previously at Africa Media Group as the East Africa Region Finance Manager. He has also gained accounting experience from Price Waterhouse (Kampala and Nairobi) and Ernst & Young (London and Nairobi) in various managerial and supervisory positions.

He holds a Masters of Business Administration degree in Strategic Management from Moi University, a Bachelor of Commerce degree (Accounting Option) from University of Nairobi and has attended numerous training courses in Management and Leadership. He is a Fellow of the Institute of Chartered Accountants in England and Wales (ICAEW) and a member of ICPAK.Fina

Mr. George Kipkoech Rutto - Head of Internal Audit

George Kipkoech Rutto is a career banker with over 27 years’ experience. He joined Consolidated Bank in 2007. His stint in banking began at National Bank of Kenya where he started as a Management Trainee and rose to Manager, Audit. He later joined Credit Bank as Head of Internal Audit.

He holds a Masters of Business Administration in Finance from the University of Nairobi and has a double major Bachelor’s Degree in Finance and Accounts from USIU-Nairobi. Additionally he is a Certified Public Accountant of Kenya (CPA-K) holder from Strathmore University. He has been awarded Certificates of Commendation and Fellowship by ICPAK in recognition of service to the accounting profession. George Rutto is also the Chairman, Board of Trustees of the USIU Alumni Association and a member of the Institute of Certified Public Accountants – Kenya (ICPAK), Kenya Institute of Management (KIM) and Institute of Internal Auditors.

Mr. Edward Nthuli - Head of Operations and Central Processing

Edward Nthuli joined Consolidated Bank in 2005 holding the position of Operations Rigour Manager and later Risk and Compliance Manager before taking up his current role. He has previously worked for Barclays Bank of Kenya as a Retail Manager, Premier Manager and a Business Manager.

He holds a Bachelor’s degree in Commerce from University of Nairobi and has taken a host of courses in Audit, Risk and Governance as well as Financial Risk Management. Edward Nthuli is a Trustee of the Consolidated Bank Pension Scheme.

Mr. Fred Kipchirchir Ronoh – Ag. Head of Finance and Administration

Fred Ronoh joined Consolidated Bank in 2005. He has over 15 years’ experience in Banking having risen up the ranks from a Management Trainee at Consolidated Bank to Manager, Financial Accounting; a position he held until his most recent appointment as the Acting Head of Finance. He previously worked for Kenindia Assurance Company Ltd as a Finance Administrative Officer.

He holds a Bachelor of Commerce Degree (Accounting) Second Class Honors, Upper Division from the Catholic University of Eastern Africa and currently pursuing a MBA in Strategic Management. In addition, he is a Certified Public Accountant of Kenya (CPA-K) and a member of the Institute of Certified Public Accountants of Kenya (ICPAK). Fred Ronoh was a nominated Trustee member for the Consolidated Bank of Kenya Ltd Staff Retirement Benefits Scheme (SRBS) for the period 2015-2021.

Mrs. Josephine Munyiva Mutunga - Head of Corporate Banking and Ag. Head of Retail & SME

Josephine Mutunga joined Consolidated Bank in 2011 as the Head of Risk and Compliance before taking up her current role as Head of Retail and SME in 2014. She previously worked for GT Bank (Formerly Fina Bank) as Head of Risk and Compliance, at Sidian Bank (Formerly Krep Bank) as General Manager Enterprise Risk and at Prime Bank.

She holds a Bachelor of Commerce degree (Accounting Option) with an Upper Class Honors from the University of Nairobi and a Diploma in Advanced Risk Management in Banking and Finance from Sweden. Josephine Mutunga additionally holds a Diploma in AKIB, is a Certified Public Accountant of Kenya (CPA-K) as well as a Certified Lead Auditor for QMS Systems.

Mr. Martin Omido Mmata – Head of ICT

Martin Mmata joined Consolidated Bank in 2016 as the Head of ICT. Previously he worked at Harambee Sacco Society Limited as the Head of ICT. He has also worked for Old Mutual Kenya as the ICT and Infrastructure Manager and at Pan Africa Life Assurance as a Division Manager - ICT.

He holds a Master of Business Administration degree (Strategic Management) from Africa Nazarene University. He also has a Bachelor in Information Sciences (Information Technology) from Moi University. He is a Certified Information Security Manager by ISACA (Information Systems Audit & Control Association) and Strathmore University. Martin Mmata was named the ICT Manager of the Year 2015, an award by the Information Communication and Technology Association of Kenya (ICTAK). He is a member of ISACA and the Information Sciences Alumni.

Mr. Joel K. Busienei – Head of ICT

Joel K. Busienei joined the Bank in the position of Head of ICT on 18th September 2023.

He has extensive experience in IT Management in the Banking and Telecommunications Industries. Previously, Joel served as the Group General Manager for IT Platforms and Infrastructure at Equity Group. Prior to that, he was the Group Head of Networks and Data Centre Infrastructure at NCBA Group PLC. He also worked at the Commercial Bank of Africa as Head of IT Infrastructure, where he served in various positions within the bank gaining valuable IT experience and at Telkom Kenya Limited as an Assistant Manager in the IT department.

Joel holds a Bachelor of Science Degree in Technology from the University of Eastern Africa, Baraton and a Master's degree in Business Administration (Strategic Management) from the University of Nairobi.

He also has professional certifications in CCNA, VMware, PMP, ITIL, AWS Certification, Prince2, BOU RTGS system, and PERAGU systems.

Mrs. Wakonyo Igeria - Company Secretary/Head of Legal Services

Wakonyo Gicuhi - Igeria joined Consolidated Bank in 2004 as the Legal officer before taking up her current role as the Head of Legal Services/Company Secretary in the same year. Wakonyo is a Certified Secretary. Wakonyo’s legal career spans through ten (10) years in legal practice (encompassing Civil Litigation, Commercial and Conveyancing engagements), four (4) years in the Power Sector and seventeen (19) in the Banking Industry.

She holds a Bachelor of Law degree (2nd Class Honors) from the University of Dar-es-Salam and has attended a host of training courses in Credit Control, Total Quality Management and International Trade Finance among others.

She is a Commissioner of Oaths and a Notary Public. She is also a Governance Auditor, a Certified Professional Coach (ICF Accredited), a Certified Professional Mediator (MTI Accredited) and a Certified Mediation Trainer (MTI Accredited). She is a member of the Law Society of Kenya and the Christian Lawyers Fellowship.

Mrs. Jullie Oyuyo Odadi - Ag. Head of Credit and Manager, Product Development and Innovation

Jullie Oyuyo Odadi joined Consolidated Bank in November 2013 as the Manager, Credit. She was later re-deployed to set up the Product Development and Innovations department. A position she held until she was appointed to act as the Head of Credit. She previously worked at Standard Chartered Bank and Housing Finance in various capacities.

Jullie holds a Bachelor of Economics degree from Egerton University and also attended Strathmore University for the IMIS diploma course. She has also undertaken courses in Leadership, Banking, Credit Management, Product development and Customer Service.

Mr. Harrison Mativo Muthoka – Ag. Head of Risk and Compliance

Harrison Mativo Muthoka is currently the acting Head of Risk and Compliance at Consolidated Bank of Kenya Limited and heading the Risk Management & Compliance Department. He is a seasoned banker with over 19 years banking experience having previously worked with Diamond Trust Bank Kenya Limited, Stanbic Bank and Bank of Baroda (Kenya) Limited in various capacities.

Harrison holds a Master of Tax and Customs Administration Degree from Moi University and a Bachelor of Commerce degree (Accounting Option) from The University of Nairobi. He is a Certified Information Systems Auditor (CISA), a Certified Public Accountant of Kenya CPA(K), Certified Fraud Examiner (CFE) and a Certified Anti-Money Laundering Specialist (CAMS).

He is a member of the Institute of Certified Public Accountants of Kenya (ICPAK), Information Systems Audit and Control Association (ISACA), the Association of Certified Fraud Examiners (ACFE) and the Association of Certified Anti- Money Laundering Specialists (ACAMS).