Innocent Ntwali

Experience

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  Bank of commerce, Development and Industry

  Apr 2002 - Jun 2007

  Bank entry level to Branch Manager

  From teller, customer service, operations, sales & marketing to deputy branch manager

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  Ecobank Rwanda

  Jul 2007 - Apr 2011

  Branch Manager

  Responsible of the overall branch leadership, growth and profitability• Achievements: Awarded Best Branch of the Year (2010) while leading the second-largest branch of Ecobank in Rwanda.• Led branch-level strategic initiatives, improving deposits, lending, and customer retention.• Developed and mentored high-performing teams, enhancing staff productivity and service delivery.

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  KCB Bank Rwanda Ltd

  May 2011 - Jan 2019

  Responsible for the overall leadership, Management, Growth and Profitability of the Branch Business and Implementation of an Efficient and Effective Operational, Risk Management , Customer service and Sales Culture.• Managed multiple branches across different banks from 2006 to 2014, overseeing business development, customer service, and operational efficiency.• Led branch-level strategic initiatives, improving deposits, lending, and customer retention.• Developed and mentored high-performing teams, enhancing staff productivity and service delivery. Show less

  • Senior Manager - Alternative Channels

    Feb 2018 - Jan 2019

  • Senior Manager - Personal Banking and Channels

    Feb 2015 - Jan 2018

  • Branch Manager

    May 2011 - Feb 2015
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  KCB Bank Group

  Feb 2019 - Mar 2022

  Head of Retail and Business Banking

  ✅ Drove branch network profitability and high-performance team leadership, ensuring sustainable revenue growth.✅ Led Retail, SME, Agribusiness, Mortgage, Bancassurance, and Digital Banking.✅ SME Banking & Agribusiness Leadership:•Developed SME segmentation models, designing specialized financial solutions for Medium Enterprises (Export, Manufacturing, Agribusiness), Small Enterprises (Trade Finance), and Micro Businesses.•Launched Biashara Club, offering SMEs tailored financial and non-financial support (networking, training, business advisory).✅ Strengthened stakeholder partnerships with fintechs, government agencies, and development organizations to expand financial inclusion. Show less

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  HuzaX

  Jul 2020 - now

  Partner - Banking & FinTech

  HuzaX is a venture operating firm focused on emerging markets.

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  BPR Bank Rwanda Plc

  Apr 2022 - Aug 2024

  Head of Retail and Business Banking

  ✅ Led Retail, SME, Agribusiness, Mortgage, Bancassurance, and Digital Banking, managing Rwanda’s largest banking branch network (150+ branches in BPR).✅ Spearheaded a customer segmentation strategy for Retail Banking, developing tailored solutions for Diaspora, High Net Worth, Affluent, and Mass Market customers.✅ Drove branch profitability and high-performance team leadership, ensuring sustainable revenue growth.✅ Orchestrated the KCB Rwanda & BPR Bank merger, leading branch rationalization (from 154 to 75 branches), leading product harmonization, and staff restructuring.✅ SME Banking & Agribusiness Leadership:•Developed SME segmentation models, designing specialized financial solutions for Medium Enterprises (Export, Manufacturing, Agribusiness), Small Enterprises (Trade Finance), and Micro Businesses.•Launched Biashara Club, offering SMEs tailored financial and non-financial support (networking, training, business advisory).•Pioneered a Women Banking proposition, expanding access to finance for female entrepreneurs.✅ Spearheaded the T24 Core Banking upgrade (R21), ensuring smooth transition and post-implementation stabilization.✅ Strengthened stakeholder partnerships with fintechs, government agencies, and development organizations to expand financial inclusion.✅ Awards: Business Growth Award (2022) & Leadership Award (2023) for outstanding contributions to retail banking. Show less

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  EXIM BANK Comores

  Aug 2024 - now

  Commercial Director (Retail l Digital Banking)

  ✅ Leading the transformation of Retail and Digital Banking at Exim Bank Comoros, driving financial inclusion and customer-centric solutions.✅ Spearheading the expansion of retail banking and customer engagement strategies.✅ Enhancing digital banking solutions, focusing on accessibility, convenience, and seamless financial transactions.✅ Strengthening partnerships with key stakeholders to accelerate banking innovation and service excellence.✅ Overseeing Customer Experience, Marketing & Communication, and business growth initiatives, ensuring sustainable long-term impact.✅ Driving a customer-first approach to banking by developing innovative solutions tailored to market needs. Show less