Mildred Nyamizyu Mutesa

Acting Managing Director/

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.






Chief Operations Officer

Mrs Vivian Milumbe is a qualified and experienced Information and Communications Technology (ICT) professional, who has worked for reputable financial institutions in Zambia. Mrs Milumbe holds a Master of Business Administration Degree from Herriot Watt University, Bsc in Computing from Greenwich University and an advanced Professional Diploma in Banking from Zambia Institute of Banking and Financial Services (ZIBFS).

She has over 20 years of experience in the financial services industry having worked
for Cavmont Capital Bank as ICT Manager, Pan African Building Society as Chief Operations Officer and Bayport Financial Services as Head of ICT.

Her overall experience includes Managing Information systems environments, Banking and Treasury Operations and managing alternative service delivery channels in the Financial Industry. She is a member of the Institute of Directors, Information and Communication Association of Zambia and the Institute of Banking and Financial Services.



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

Mr Malcolm Chabala is a Chartered Accountant and Certified Banker. He joins
the Society with over 18 years banking experience in Retail Banking, SME Banking, sales, customer service, branch management, operations, governance and operational risk management gained at both Standard Chartered Bank Zambia and Barclays Bank Zambia.

He holds a Master of Arts Degree in International Development from the University of Manchester UK,Bachelor of Arts Degree from the University of Zambia, Association of Certified Chartered Accountant (ACCA), Professional Diploma in Banking and Financial Services.

Mr Chabala also holds Post Graduate Diploma in Financial Management. Before joining ZNBS he was the Value Centre General Manager for Shared Distribution at Standard Chartered Bank Zambia and he has also held several management positions in the past including Head Acquisitions and Alliances, Head Sales - SME Banking, and Head of Finance, Infrastructure and Governance.

Mr. Chabala is a Board Member for World Vision Zambia and Habitat for Humanity 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).