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Senior Management Team


Sam Muturi – Chief Executive Officer

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. 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. 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.


Mrs. Jacinta W. Lwanga– Head of Human Resources

Jacinta Lwanga joined Consolidated Bank in 2013. She was previously at CMC Holdings Limited as the Group Human Resources Manager. Prior to this she worked at Lutheran World Relief as a Communications Officer. She has also undertaken consultancy work - focusing on HR and Communication in various organizations such as Church Ecumenical Action in Sudan, Institute of Personnel Management, now Institute of HR Management and Kenya Human Rights Commission amongst others.

She holds a Masters of Business Administration Degree from Africa Nazarene University – Nairobi and attained her Bachelor of Arts degree, Upper Second Class Honors from Kenyatta University. She also holds a Higher National Diploma in Human Resources Management from the Institute of Human Resources Management and is a Certified Coach by Erickson Coaching International. She is a member of the Institute of Human Resources Management – IHRM (K), Institute of Directors (Kenya) and Society for Human Resource Management (SHRM).


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. Erastus Karinga Gachoya - Head of Credit

Erastus Gachoya is a career banker with over 25 years’ experience. He joined Consolidated Bank in 2006 as a Corporate Relationship Manager. He has also held various managerial positions in other banks including African Banking Corporation (ABC), Diamond Trust Bank (DTB) and Kenya Commercial Bank (KCB).

He holds a Masters of Business Administration degree in Strategic Management from the University of Nairobi. In addition he also holds a Bachelors of Arts degree in Business Education and Economics from Kenyatta University. Erastus Gachoya has also taken various courses on Leadership and Corporate Governance.


Mr. Fred Kipchirchir Ronoh – Ag. Head of Finance

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 Retail and 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. Joshua Kagia- Head of Treasury

Joshua Kagia joined Consolidated Bank in 2005 as the Head of Treasury. He was previously at ABC Bank as the Treasury Manager and has also worked for Diamond Trust Bank as the Assistant Regional Treasury Manager. Joshua Kagia has also worked at NIC Bank as a Dealer for Forex and Local Money Markets.

He holds an Executive Masters in Applied Leadership and Management and an Executive Bachelors of Business Administration degree (EBBM) from the Management University of Africa (MUA). He has also attained a Masters in Business Administration (International Business) from the Institute of Technology in Australia (IOTA). Additionally has a Diploma in Banking and has undertaken numerous courses in Banking and Treasury Management among others. He is a member of Financial Markets Association (ACI Kenyan Chapter) and Kenya Institute of Bankers.


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.


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 15 years banking experience having previously worked with Diamond Trust Bank Kenya Limited, CFC Stanbic Bank and Bank of Baroda (Kenya) Limited in various capacities.

Harrison holds a Bachelor of Commerce degree (Accounting Option) from The University of Nairobi and is currently pursuing a Master of Tax and Customs Administration degree at Moi University. He is a Certified Fraud Examiner (CFE), Certified Information Systems Auditor (CISA) and a Certified Public Accountant of Kenya CPA (K). He is a member of the Institute of Certified Public Accountants of Kenya (ICPAK), a member of Information Systems Audit and Control Association (ISACA) and The Association of Certified Fraud Examiners (ACFE).