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Management Team

Zanaco's Management Board is responsible for leading the implementation of the bank’s vision and for formulating strategy for board approval. The Management Board also drives and directs the day-to-day operations of all the bank’s divisions.

Mukwandi Chibesakunda

Chief Executive Officer*
*Non Board Member

She is a Past President of the Zambian Institute of Banking and Financial Services, and hails with wide experience in various Financial Service Industry roles. With a banking career spanning over 14 years, she served as first female Managing Director for Access Bank Zambia Ltd. 

Prior to her appointment as Chief Executive Officer for Zanaco, she served as Managing Director National Savings and Credit Bank. She has also served in Executive capacities at Stanbic Bank Zambia as Head of Personal and Business Banking, and at Standard Chartered Bank Plc as Executive Director Consumer Banking. Mukwandi has been featured in various leading publications such as the Forbes Magazine and African Leadership Magazine, addressing subjects on leading transformational growth and supporting the growth of SME’s. 

She has also been very instrumental and influential at The Africa List level and has earned various awards as a leader that drives performance. In February 2019, she was one of ten delegates from across the African continent conferred with a leadership award from the African Leadership Magazine, in recognition of her corporate governance leadership. 

She holds a Master’s Degree in Business Administration (MBA), a Bachelor of Arts degree in Economics from the University of Zambia and a postgraduate Diploma in Business Administration from Manchester Business School.

Chali Mwefyeni

Chief Commercial Officer

Chali is a seasoned banker with a tenacious drive towards organizational performance and transformation. He has over 15 years financial services experience with extensive skills in sales, sustainable business leadership, insurance underwriting, corporate, SME and agricultural finance. Prior to his appointment, Chali was Head Business Banking and previously held sales and underwriting roles at Stanbic and Madison General Insurance respectively. He holds a Master’s Degree in Development Finance from Stellenbosch University, Bachelor of Science Degree in Agricultural Economics from the University of Zambia, a Diploma in Insurance Studies and a Diploma in Sustainable Business Leadership from the Swedish Institute. Join me in congratulating Israel and Chali on their appointments and wishing them all the best in their new roles.









Clement C. Chisense

Acting Chief Operations Officer

Clement is an out-of-the-box, visionary thinker who champions innovative solutions to elevate organizational performance and is known for maintaining an uncompromising focus on high quality standards by driving a high performance and ethical culture focused on execution excellence and the customer, streamlining of company processes and procedures while enhancing customer satisfaction and fortifying the control environment.

In his role as Acting Chief Operating Officer of Zambia National Commercial Bank PLC, Clement has been tapped to lead during a complex leadership transition to offer critical strategic support by reporting directly to the Chief Executive Officer and executing the bank’s core strategy in concert with the management board in order to enhance the control environment, service quality, customer experience, cost and overall efficiency of the bank while leveraging on technology and innovation to drive positive change across the bank.

Clement holds a Bachelor’s Degree in Civil & Environmental Engineering from the University of Zambia, an International Diploma in Project Management from the University of Cambridge, a Certified Business Operations Professional (CBOP) certificate from the International Academy of Business & Financial Management, Prince2 Practitioner from APMG International, Project Management Intermediate Certification from PM ideas and is currently doing final research for his Master of Operations Projects & Supply Chain Management degree with the University of Zambia Graduate School of Business.


Israel Simonze

Chief Human Resource and Training Officer

Israel is a seasoned Human Resource Practitioner with substantial experience in Organizational Change, Organization Redesign, HR Transformation, Compensation & Benefits, Human Resources Operations, Industrial Relations and HR Strategy Development.

Within Zanaco Plc, Israel has worked as Head Operations, Compensations and Industrial Relations, Head Business Partner and Head Resource and Development.

Prior to joining the bank, he held senior human resource management positions at Zambia Sugar, Konkola Copper Mines and Standard Chartered Bank.

Israel holds a Bachelor’s Degree in Economics from the University of Zambia and a Post Graduate Diploma in Human Resources .

Moono Simatyaba

Chief Financial Officer

Mrs Moono Simatyaba is a Finance Executive with over 19 years of work experience in both financial and management accounting. She is a qualified Chartered Accountant and a Fellow member for the Association of Chartered Certified Accountants (ACCA) and Zambia Institute of Chartered Accountants (ZICA). She holds a Bachelor’s Degree in Accountancy from the Copperbelt University and a Masters in Business Administration from Oxford Brookes University.

Prior to joining Zanaco Plc in August 2016, she worked at SABMiller, PricewaterhouseCoopers and Development Bank of Zambia  




Jussab Kara

Chief Information Technology  Officer

Jussab Kara is the Chief Information Technology Officer of the Bank and a technology executive with more than 23 years of work experience.

At Atlas Mara, he served as Chief Information Officer and was responsible for driving the organisational technology. He also worked for Airtel Zambia for 14 year in various key strategic roles before joining MTN Zambia as the Executive responsible for Information Technology. He briefly served as Chief Technology and Information Officer at Vodafone Zambia and as well as Director Software Engineering for CDC Projects.

Jussab holds a Master’s Degree in Business Administration, a Postgraduate Diploma in Management, a Postgraduate Certificate in Technology, Honors Degree in Computing, Graduate Diploma in Computer Science and a Diploma in Accounting.  







Kalengo S. Simukoko

Chief Credit Risk Officer

Kalengo S. Simukoko is the Chief Credit Risk Officer of the Bank and a seasoned banker with a strong risk management / governance background, in-depth boardroom experience and has over 16 years’ banking experience cutting across Trade Finance, Retail, SME and Corporate Banking.

Kalengo was until recently a Non-Executive Director and Chair of the Board Audit and Risk Committee of the Zambia National Data Centre. Prior to joining Zanaco, he was the Chief Risk Officer at United Bank for Africa (UBA). He has also previously held senior management roles at Barclays and Standard Chartered Bank Zambia Plc. A Master of Science in Finance from the University of Leicester in the United Kingdom is among the many business qualifications he holds       






Wane Ng'ambi

Chief Digital Banking  Officer

Wane Ng’ambi is the Chief Digital Banking Officer with extensive Senior Management and executive experience in Telecommunications, Financial Services and FMCG spanning over several African markets. He has acquired an admirable skills set in Project Management, I.T and Sales & Distribution.

His most recent roll before joining the Zanaco family was as Regional Director – Sales Distribution and Customer Operations – Africa Market. Prior to joining Millicom, Wane served 5 years with MTN Zambia as Executive Head, Mobile Financial Service (MFS), He holds a Graduate Diploma in Information Systems Management, BSc (Hons) Computer Science. 


Kaluba Gloria Kaulung’ombe-Inampasa

Company Secretary

Kaluba Gloria Kaulung’ombe-Inampasa is the Company Secretary of the Bank. She is a seasoned lawyer with extensive experience in Commercial and Corporate Law, Governance, Company Secretarial Practice, Legislative Drafting and Litigation. Prior to joining Zanaco, Kaluba held various positions in the Ministry of Justice. She also held the position of Legal Counsel at CEC Liquid Telecommunication Limited and Company Secretary at Hai Telecommunications Limited.

Kaluba holds a Bachelor of Laws Degree from the University of Zambia, a Master’s Degree in Commercial Law from the University of Cape Town, a Post Graduate Diploma in Legislative Drafting and is a Graduate of the Institute of Chartered Secretaries and Administrators (ICSA).