Joseph Mwansa Chikolwa

Managing Director

MBA – Finance from University of Wales and Manchester Business School, Bachelor of Arts Degree in Economics, Financial Studies Diploma of IFS Certificate Associa

te of IFS, He is fellow of the Institute of Financial Services (UK), Fellow of the Zambia Institute of Banking and Financial Services.

He has attended management development programmes at London Business School, INSEAD and Manchester

Business School.

Over 26 years experience in Banking and general management having held a number of senior management positions including Managing Director of Stanbic Bank, CEO ZCCM-IH, General Manager and CEO Lusaka Stock Exchange.

He also served as an Executive Director for Corporate Banking at Standard Chartered Bank Limited. He has also served as Director on Boards of several public and private sector institutions, including National Pension Scheme Authority (NAPSA) which is the largest compulsory contributory pension scheme in Zambia and the Financial Intelligence Centre (FIC) to mention a few.

He is currently an independent director of British American Tobacco Zambia (BATZ) Plc and Prudential Life Assurance Zambia Limited.






Chief Operations Officer



Mutinta Syulikwa

Society Secretary

Holder of a Bachelor of Law Degree and a member of the Law Association of Zambia.

She has over 8 years experience in law having practised as an advocate in the private sector prior before joining the Society.






Elijah Esau Chulu

Director Risk


M.BA. Finance and Accounting from National University, San Diego, California USA, B.A Economics from University of Zambia. He also holds certifications in risk and project management.

Mr. Chulu has over 17 years of both local and international banking experience, having worked for Barclays Bank and Europe Arab Bank in the UK and Barclays Bank Zambia.

His overall experience in banking includes, Retail and Corporate Sales, Retail Risk Management, International Trade and Cash Management, Business Support and Restructuring as well as Leverage Finance.

In his previous role, he worked as Head of Retail Credit Risk for Barclays Bank Zambia PLC  for the last 8 years and was a member of the Executive Leadership Team.

Mr. Chulu is also a Board Member for World Vision Zambia and a member of the Audit and Risk Committee.




Director Banking and Mortgage


Mildred Nyamizyu Mutesa

Director Finance



She is a Fellow of the Association of Chartered Certified Accountants (ACCA), and an Associate member of the Zambia Institute of Chartered Accounts (ZICA).
Mrs Mutesa also holds a Masters of Business Administration from Herriot Watt University, a Bachelor of Accountancy Degree from the Copperbelt University and a professional accounting qualification, ACCA.

Currently a member of the Board of Trustees for the Zambia National Building Society and previously a member of the Board of Trustees for the Afrox Zambia limited Pension scheme.

With over 12 years work experience, she has worked across a number of sectors including, audit assurance services, manufacturing and financial services.
She has held various positions including Director Finance and Management Accountant/Company Secretary of Afrox Zambia Limited, and Senior Auditor at  PricewaterhouseCoopers (PwC). She also had a short stint with the Bank of Zambia.




Christopher Lubumbe Kapoma

Director Human Resources

Degree in Human Resources Management
Higher Diploma in Human Resources Management

Full member of the Zambia Institute of Human

Resources Management (ZIHRM)

Mr Kapoma is a qualified and experienced Human Resources Practitioner with 17 years of work experience in Human

Resources  Management and Administration of which 9 years is at Executive Management level gained mostly from the financial and transport sectors.

Previously he worked as Director Human Resources for Railway Systems of Zambia and Zambia Railways Limited. He has also worked for National Airports Corporation Limited, Project Concern International (USAID Funded) and Commence Bank in the infancy of his career.

He served as a Board Committee Member for the Human Resources, Legal and Customer Service Committee for Zambia Electricity Supply Corporation Limited (ZESCO). He is currently a Board Committee Member for the Human Capital and Administration Committee for Road Development Agency (RDA).