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Joseph Mwansa Chikolwa
Managing Director


MBA – Finance, Financial Studies Diploma of IFS
Certificate Associate of IFS, BA Economics

Fellow of the Chartered Institute of Bankers (UK), Fellow of the Zambia Institute of Banking and Financial Services.

Over 20 years experience in Banking and general management having held a number of senior management positions including MD Stanbic Bank, CEO ZCCM-IH, General Manager and CEO Lusaka Stock Exchange. He also served as an executive Director at Standard Chartered Bank Limited.He has also served as Director on Boards of several public and private sector institutions.




Bedah S. Salasini

Chief Operations Officer


Bachelor of Engineering Degree in Electrical & Electronics, Master of Business Administration degree

Member of the Engineering Institue of Zambia and the Zambia Institue of Banking and Financial Services

The Chief Operations Officer is a Deputy Managing Director level position.

Mr Salasini has a 12 year record of executive management and leadership in the Banking sector. Before joining ZNBS, he served as Transformation Director at Barclays Africa Regional Office based in Johannesburg South Africa. Prior to his secondment to South Africa, he was the Chief Operating Officer for Barclays Bank Zambia Plc. Before joining Barclays, Mr Salasini worked for Standard Chartered Bank Zambia Plc as Head of Operations & IT. In his early career, he also worked for Zambia National Commercial Bank and Zambia Consolidated Copper Mines Limited.


Mutinta C. 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 practiced as an advocate in the private sector prior to joining the Society.





Martha Mutizhe Kangwa

Director Mortgages


BA Sociology
Diploma Project Management

Over 12 years of experience in the Housing Finance Industry having worked for the same period at ZNBS. Has experience in Corporate Planning. Has conducted research on low cost housing in Zambia.




Phanuel Chibuye

Director Banking Operations


BA Public Administration

Part level II ACCA
Project Management
Certificate in Marketing and Sales Management

Over 20 Years experience in Banking and Mortgage administration having worked for the same period at ZNBS.




Mildred M. Mutesa
Director Finance and Corporate Planning


Mildred Nyamizyu Mwale Mutesa

Holds an Association of Chartered Certified Accountants (ACCA), Bachelor of Accountancy and a Member of ACCA and Zambia Institute of Chartered Accountants (ZICA).

She has profound knowledge of International Financial Reporting Standards with experience in Change Management.

Mrs Mutesa has 10 years work experience in internal and external audit, company secretarial services, financial and management accounting having worked for Afrox Zambia Limited as Finance Director and Management Accountant/Company Secretary. Mrs Mutesa also held the position of Senior Auditor with PricewaterhouseCoopers. She also had a one year stint with Bank of Zambia on a Student Attachment programme.




Christopher L Kapoma

Director Human Resources and Administration

B-Tec Degree Human Resource Management
Higher diploma in Human Resources Management
Full member of the Zambia Institute of Human Resources Management

Has 16 years of working experience gained from working for various Institutions.