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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. 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 Retail & SME

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 Corporate Banking and Product Development and Innovation

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.


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. Jullie Oyuyo Odadi - Ag. Head of Credit

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).