Jubril Adeniji is a seasoned banking professional with a career in the industry spanning over 25-years. He had stints in Banking Operations in the early stages and subsequently in Credit and Business Development in Multilaterals, Construction, Oil & Gas, Manufacturing, and Service Institutions across International, Public, Corporate, Commercial, Small and Medium Enterprises (SME) and Retail Banking Business segments.
Jubril Adeniji first joined Guaranty Trust Bank (GTBank) in February 2006 as a Team Lead within the Bank’s Abuja and North Central Commercial Banking Division and rose through the ranks to the Divisional Head position in April 2011. He held this position for over four years before joining the Bank’s International Banking Division in December 2015 to support the Bank’s application for a Banking license in Tanzania.
In July 2016, Jubril was appointed as the pioneer Managing Director of Guaranty Trust Bank Tanzania. In the first 18 months of his appointment, he had the overall responsibility for the establishment of the greenfield GTBank franchise in Tanzania, which culminated into the granting of the Bank’s operational license by the Bank of Tanzania in December 2017. Jubril subsequently managed the franchise effectively with year-on-year improvement of key indices and ratios, along with a predominantly young Tanzanian team until September 2022, further to his nomination as Managing Director of Guaranty Trust Bank Kenya.
Having overseen the successful introduction of GTBank into Tanzania, Jubril has developed a profound understanding of the Tanzania and East African markets and in July 2022, he was nominated to oversee the strategic growth and further deepening of the GTBank franchise in the East African market.
Prior to joining GTBank, he worked with MBC International Bank Ltd (now part of First Bank of Nigeria Plc) between November 1997 and January 2006.
Jubril Adeniji holds a Bachelor of Science degree in Mathematics from the University of Ibadan (1997) and Master of Business Administration (Finance and Accounting) from the University of Liverpool (2015). He has also attended several senior management courses including the IMD High Performance Leadership, Cranfield and Michigan Ross Executive Leadership Development programs and other banking-specific programs in renowned educational institutions globally. He is also an Honorary Senior member of the Chartered Institute of Bankers of Nigeria (2012).
Jubril is happily married, and the matrimony is blessed with three lovely children. He spends his free time with the family, mentoring young individuals, executing community service projects under the auspices of Rotary International and watching professional Lawn Tennis and Football games.
Mr. Hanish D. Chandaria served as an Executive Director of Business Support in the then Fina Bank Ltd until October 13, 2011. Mr. Chandaria has over 10 years’ experience in Finance, having started his career in investment banking at Societe Generale in London.
Mr. Chandaria holds Masters degree in International Business from Ecole Supérieure de commerce, Grenoble, France and BSc Economics and Mathematics from University of Bristol.
Mr. Chandaria also serves on the board of Guaranty Trust Bank (Uganda) Ltd.
Ms. Ann is a seasoned attorney with over 33 years post admission experience in various key roles in the country. She was the Kenyan Ambassador of the Africa UNITE Campaign on Ending Violence against Women and Girls. This was part of the Global UNITE Campaign to End Violence Against Women - an initiative of the former United Nations Secretary General – Ban Ki Moon.
She has been celebrated for her work in social justice and is the recipient of numerous awards among them the 2010 International Woman of Courage Award from the U. S. A.S State Department; awarded to her by The Secretary of State Mrs. Hillary Rodham Clinton and 1st Lady Michelle Obama. She is a Senior Ashoka Fellow.
Ms. Ann holds a Bachelor of Laws Degree from the University of Nairobi and Masters in Business Administration from Strathmore Business School, Strathmore University Nairobi. She has also attended several senior management courses such as Strategy & Management for Leaders at Harvard Kennedy School, Management and leadership Training - CEDPA Washington D.C and Applied International Management, Swedish Institute of Management and the Swedish International Development Cooperation Agency, Sweden. She is a Member of the Chartered Institute of Arbitrators and also holds a CPS (K) from the Institute of Certified Public Secretaries of Kenya.
Ms. Ann is a skilled expert in Governance, Democracy, Social Justice and Human Rights. She has been at the forefront of the reform movement in Kenya and was heavily involved in the constitutional reforms as a delegate to the Bomas National Constitutional Conference. She was also the Co-Chair of the Multi-Sectoral Committee on Constitutional Reform, and the Co-Chair of the Joint Dialogue Forum on Constitutional Reform.
Ms. Elizabeth Kyengo is an Independent Non-Executive Director of Guaranty Trust Bank (Kenya) Limited. She is also a Board member with World Vision International (Kenya) where she chairs the Finance, Supply Chain and National Resource Development Board Committee and doubles as the Treasurer of the Board. She is also a Non-Executive Director of The Institute of Directors (IOD) and Enwealth Financial Services (EFS) where she serves in the Board Audit and Compliance Committees.
She holds an MBA in Strategic Management from the University of Nairobi, A Bachelor of Commerce from Kenyatta University, an Advanced Management Certification (AMP) from Strathmore Business School (SBS), alumni of SBS and IESE Business School, University of Navarra, Spain as well as Lagos business School. She is SBS trained in various leadership fields such as board effectiveness, negotiation skills, Women on the Board among others. She is a Certified Public Accountant of Kenya (CPAK), a Certified International Procurement Profession (CIPP). She is a Certified Trustee and is trained by Centre for Corporate Governance (CCG). She is a member of various institutions of leadership and management including ICPAK, IOD, KIM, KISM, CCGA and WOBN, SBSA and CEO’s Association.
Ms. Elizabeth has over 30 years of experience in the corporate world where she served in various capacities of leadership, interacted with stakeholders globally and has exposures in various fields majorly Audit, Finance, Supply Chain, General Management and Leadership with Price Water House Coopers (PWC) and Nation Media Group (NMG) for 2 years and 23 years respectively. Elizabeth has had over 8 years non-executive Board experience in the public, private and not for profit sectors.
She is very passionate with matters of Governance and in developing leaders for transgenerational legacy through her institution, InaaRe Consulting Group. She is a wife and a mother of five children, three working adults and two school going children.
Mr. Ribeiro is a Non-Executive Director of Guaranty Trust Bank (Kenya) Limited with over 29 years of relevant and extensive professional experience across diverse sectors.
Mr. Ribeiro has over the years held key leadership positions in different companies and entrepreneurial ventures contributing to his wealth of experience to serve in the Board. Mr. Ribeiro vast experience demonstrates his entrepreneurial drive and innovative spirit. Mr. Ribeiro is currently the Chief Executive Officer of Apptivate Africa Limited and further serves as a Non-Executive Director at MyCredit Limited.
Along with other certifications, Mr. Ribeiro holds a Bachelor of Science in HealthCare Administration from Southwest Texas State University. He has also attended several relevant trainings including but not limited to - Corporate Governance for Directors, IESE/YPO Building High Performance Boards, and Wharton University AI for Business.
Mr. Ribeiro’s extensive leadership experience, combined with his deep understanding of strategic management, innovation, and regional market dynamics, positions him as a valuable contributor to the continued growth and stability of Guaranty Trust Bank (Kenya) Limited.
Jubril Adeniji is a seasoned banking professional with a career in the industry spanning over 25-years. He had stints in Banking Operations in the early stages and subsequently in Credit and Business Development in Multilaterals, Construction, Oil & Gas, Manufacturing, and Service Institutions across International, Public, Corporate, Commercial, Small and Medium Enterprises (SME) and Retail Banking Business segments.
Jubril Adeniji first joined Guaranty Trust Bank (GTBank) in February 2006 as a Team Lead within the Bank’s Abuja and North Central Commercial Banking Division and rose through the ranks to the Divisional Head position in April 2011. He held this position for over four years before joining the Bank’s International Banking Division in December 2015 to support the Bank’s application for a Banking license in Tanzania.
In July 2016, Jubril was appointed as the pioneer Managing Director of Guaranty Trust Bank Tanzania. In the first 18 months of his appointment, he had the overall responsibility for the establishment of the greenfield GTBank franchise in Tanzania, which culminated into the granting of the Bank’s operational license by the Bank of Tanzania in December 2017. Jubril subsequently managed the franchise effectively with year-on-year improvement of key indices and ratios, along with a predominantly young Tanzanian team until September 2022, further to his nomination as Managing Director of Guaranty Trust Bank Kenya.
Having overseen the successful introduction of GTBank into Tanzania, Jubril has developed a profound understanding of the Tanzania and East African markets and in July 2022, he was nominated to oversee the strategic growth and further deepening of the GTBank franchise in the East African market.
Prior to joining GTBank, he worked with MBC International Bank Ltd (now part of First Bank of Nigeria Plc) between November 1997 and January 2006.
Jubril Adeniji holds a Bachelor of Science degree in Mathematics from the University of Ibadan (1997) and Master of Business Administration (Finance and Accounting) from the University of Liverpool (2015). He has also attended several senior management courses including the IMD High Performance Leadership, Cranfield and Michigan Ross Executive Leadership Development programs and other banking-specific programs in renowned educational institutions globally. He is also an Honorary Senior member of the Chartered Institute of Bankers of Nigeria (2012).
Jubril is happily married, and the matrimony is blessed with three lovely children. He spends his free time with the family, mentoring young individuals, executing community service projects under the auspices of Rotary International and watching professional Lawn Tennis and Football games.
Caroline has a wealth of banking experience gained over a period of 12 years in the industry. She is an inclusive leader who strives to have each of her team members contribute towards the overall success of the Bank. She is dynamic and progressive and above all upholds the highest levels of integrity, honesty, dedication and professional ethics. Caroline has been the Head, Treasury at the bank since February 2020.
Caroline joined GTBank Kenya, then Fina Bank, in May 2008 as a Finance Officer. In September 2014, she joined the Treasury division as a Liquidity Management Dealer and rose to the position of Assistant Manager, Manager and finally to that of the Head of the division.
Caroline holds a Bachelor of Arts degree in Business Administration (Accounting) from Maseno University and a CPA III Qualification.
Robert Kariuki Kibandi is a seasoned finance executive and current Chief Financial Officer of Guaranty Trust Bank Kenya, bringing over a decade of experience in banking, microfinance, and financial management. A Certified Public Accountant with a background in business administration, he holds a degree in Business Administration and is currently pursuing a Master of Science (Finance) at Kenya Methodist University.
He oversees the Bank’s financial strategy, reporting, budgeting, and risk management, ensuring strong governance and regulatory compliance. Known for his analytical strength, strategic mindset, and commitment to continuous growth, he plays a central role in supporting GTBank Kenya’s expansion and operational excellence within the broader GTCO group. Prior to joining GTBank Robert worked as Finance Manager at Fin Kenya, founding Head of Finance at Maisha Microfinance Bank and Equity Bank as a Banking officer.
Milkah is a seasoned Human Resource professional with considerable contributions in policy formulation, corporate culture transformation, performance management, talent management, employee wellness, coaching among others.
She has over 15 years’ experience in building and leading motivated teams to drive organizational success within diverse sectors e.g. Manufacturing, Financial Services, Energy and Consulting among others. She is passionately committed to fostering a happy, healthy and engaged workforce.
She joined Guaranty Trust Bank (Kenya) Limited in October 2022 as the Head, Human Resources. Prior to this role, she served at Kapa Oil Refineries as a Human Resource Manager for over 3 years. She has also worked for over 4 years at PwC Kenya, People and Change Advisory Services, delivering transformational projects in the East African region. Her career began at The Co-operative Bank of Kenya, where she worked for over seven years.
Milkah holds a Bachelor’s degree in Education (Arts) from Kenyatta University, a Higher Diploma in Human Resource Management from the Institute of Human Resource Management and is a member of the Institute of Human Resource Management (IHRM).
Irene has over 10 years experience within the financial sector, in operations and Risk & Compliance. She holds a degree in Finance and currently pursuing an MBA at Kenyatta University in Strategic Management. She joined Guaranty Trust Bank (Kenya) Limited in May 2023 as the Head, Risk and Compliance.
Irene has been actively involved fostering risk & compliance culture within the financial sector and passionate in the fight on combating financial crimes. She is professionally qualified as Certified Fraud Examiner (CFE) and a Certified Anti- Money Laundering Specialist (ACAMs). Member of She Leads Tech (ISACA Kenya), Associate member of Kenya Institute of Bankers, Association of Certified Fraud Examiners and Association of Anti-Money Laundering Specialists.
Robert Rutahoile is a seasoned IT executive and digital transformation leader with a proven track record of building robust banking technology infrastructures across East Africa. Currently serving as the Chief Information and Digital Transformation Officer at Guaranty Trust Bank (Kenya) Limited, Robert combines deep technical expertise with strategic leadership to drive innovation, automation, and customer-centric solutions. Beginning his journey as the first IT staff member at GTBank Tanzania in 2016, Robert played a pivotal role in establishing the bank's entire IT backbone.
Over the years, he has successfully led multiple high-impact projects including core banking integrations, agent banking solutions, and enterprise-level cybersecurity enhancements. His hands-on experience spans infrastructure, software development, database management, and business analysis. Robert holds a B.Sc. in Computer Science from the University of Dar es Salaam and is pursuing an MBA in Corporate Management at Mzumbe University. He is extensively certified in leading-edge technologies from Cisco, Microsoft, and Google.
Known for his people-first leadership style, Robert thrives on building inclusive teams and navigating cultural complexities to deliver sustainable business outcomes.Passionate about community, leadership, and emerging technologies, Robert is an advocate for continuous learning and believes in technology’s power to transform lives and organizations.
Jemimah is a seasoned Certified Public Accountant with over 15 years’ working experience serving in different capacities. She is experienced in Accounting, Internal Controls, Financial Analysis and Leadership.
Jemimah joined Guaranty Trust Bank (Kenya) Ltd in January 2022 as Head, Internal Audit (Systems & Control).
Prior to joining GTBank, Jemimah worked at MOGAS Kenya Ltd as a Treasury Accountant, as a result of her spectacular performance, she was promoted to the position of Chief Accountant. She has previously worked at Safaricom Limited as a Customer Service Representative and as a Postal Officer at the Postal Corporation of Kenya.
Jemimah holds a Bachelor of International Business Administration degree from United States International University-Africa (USIU-A). She is a member of Institute of Certified Public Accountants of Kenya (ICPAK).
Lorna is a seasoned financial markets strategist with over a decade of experience in treasury operations, liquidity management, and foreign exchange. As Head of Treasury at Guaranty Trust Bank (Kenya) Limited, she leads the Bank’s treasury strategy, overseeing liquidity, funding, and balance sheet optimization while ensuring strong regulatory compliance and risk discipline.
She has held senior roles at Bank of Africa Kenya and GTBank, where she built a solid track record in managing interbank relationships, strengthening Asset and Liability Management (ALM) frameworks, and delivering innovative financial solutions aligned to evolving market dynamics.
Lorna is recognized for her collaborative leadership style and her ability to translate complex market insights into clear, actionable strategies. She is passionate about developing high-performing teams and fostering a culture of accountability, continuous learning, and innovation.
She holds a degree in Business Information Technology from Jomo Kenyatta University of Agriculture and Technology, reflecting her ability to integrate technology with financial strategy. She is also an ACI Dealing Certificate holder and a finalist in both the CIFA and CPA professional programs.
Juliana is an audit professional with over 12 years of experience in accounting, taxation, and both external and internal audit across a diverse range of industries, including manufacturing, retail, and services. In her current role as Head of SYSCON, she oversees the Bank’s internal control environment, governance framework, and risk management processes to support operational efficiency, regulatory compliance, and sound financial stewardship. Through independent assurance and advisory oversight, she contributes to strengthening accountability, transparency, and effective control systems across the Bank.
Juliana joined the Bank in March 2022 as a Senior Internal Audit Officer, where she established a strong record of achievement across both internal controls and internal audit. She was subsequently appointed Head of SYSCON in 2025. She has also conducted risk-based audits across West and East Africa, contributing to the strengthening of governance, risk management, and control frameworks across the region.
Juliana is a Fellow of the Association of Chartered Certified Accountants (FCCA) and was recognised as the top-performing candidate in Kenya, attaining 1st position in Audit & Assurance, Taxation, and Business Analysis. She was also ranked 2nd overall ACCA Affiliate in Kenya. She is a member of the Institute of Internal Auditors and a Certified Internal Auditor (CIA).
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