Our Leadership Team

Kumaran Pather joined I&M Bank (Uganda) Limited in January 2020 as Managing Director. He is a seasoned banking executive with experience in Retail Business Banking spanning over two decades across seven countries.  He is reputed with building winning Banking strategies that have led to transformative business performance throughout his career. He was most recently the Retail Business Banking Director at Barclays Uganda. He started his banking career in South Africa before he moved to Botswana as Barclays’ Retail Director. He then took on the role of Head of Retail Sales at BMI Bank in Bahrain and would later serve as General Manager, Retail Banking Services at Teba Bank in South Africa. He returned to Barclays as Retail Business Banking Director, serving in Mozambique, Tanzania, and most recently, Uganda. Kumaran holds an MBA from the University of Johannesburg and has attended Executive Leadership Programs in South Africa and at Cass Business School in London.

Sam Ntulume joined I&M Bank (Uganda) Limited in 2021. Sam has a working career span of 28 years in various sectors of the economy with 16 years of these being in the Financial Services Industry. He has a wealth of experience in Executive Leadership, Corporate Governance, Strategy & Innovation, Business Development, Mergers & Acquisition, Risk Management & Control, Compliance, Financial Management, Corporate Reporting, Operations & Information Technology and Transformation at Senior Management and Board level, having worked for both international and local institutions within and outside Uganda. Sam has held several Executive Management positions and was most recently the Executive Director, Finance & Strategy at NCBA Bank Uganda Limited. He served as Executive Director and subsequently as Managing Director of NC Bank Uganda Limited prior to the business amalgamation with Commercial Bank of Africa (Uganda) Limited. He also served in senior management roles at Stanbic Bank in both Uganda and Kenya, Total Uganda Limited and Uganda Revenue Authority. Sam holds a Masters in Business Administration (MBA) from the East & Southern Africa Management Institute (ESAMI) in Arusha; is a qualified Accountant (FCCA & CPA) and holds a Diploma in Business Studies (UDBS) from the National College of Business Studies, currently known as the Makerere University Business School. Sam enjoys supporting social transformation causes and coaching & mentoring young people during his spare time.

Edward Gibson Nangono is Chief Business Officer, heading the Commercial Banking Department. Gibson has a Master of Business Administration from Edinburgh Business School, Heriot watt University, UK, a Diploma in Information & Communication Technology, a Postgraduate Diploma in Procurement & Supply chain Management from Uganda Management Institute and a Bachelor of Arts (Hons) Degree of Makerere University, Kampala. He has attended several leadership programs including; Absa Manager Excellence program at The Gordon Institute of Business Studies (GIBS), University of Pretoria, South Africa, 2019-2020, Barclays Africa Leadership Program at The Institute of Leadership and Management (ILM) London; 2018 and Finance for Non- Finance Managers; Johannesburg School of Finance, 2009. He has Fourteen years of expertise in business strategy formulation and development, business growth, governance and controls and works well with teams. Most recently, Gibson has been the Acting Corporate Banking Director at Absa Bank Uganda Limited in charge of driving strategy and business performance for the Corporate function. Prior to that, he performed in different functions at Absa Bank/Barclays including Vice President, Head of Large Local & Regional Corporates, Assistant Vice President & Relationship Manager, Commercial Banking Division. Gibson also worked at Stanbic Bank as a Business & Personal Banker and subsequently into the Corporate and Investment Banking Division where he managed a portfolio of Government institutions and statutory bodies.

Joseph Fetaa joined I&M Bank (Uganda) Limited in July 2020 as the Head of Products & Channels. He has over 17 years of banking experience in roles across Credit, Audit, MI & Analytics, Cards, and Bancassurance. Prior to joining I&M Bank, he was the Head of Cards & Bancassurance at Absa Bank Uganda. Joseph holds a Bachelor of Arts in Social Sciences (Economics major) (Hons) from Makerere University and a Masters in Economic Policy Management from Makerere University.

Duncan Karugaba joined I&M Bank (Uganda) Limited in February 2021 as the Head of Operations with 19 years of work experience, of which 16 are in the financial services sector. Prior to joining I&M Bank, Duncan held senior roles at Absa Bank Uganda where he was the Head of Retail & Business Banking Operations & Control. He has been key in the reorganization of the operations function through processes reviews & mapping to optimize performance, strategically reposition the Operations structure, improve staff engagement levels to drive delivery of the strategy, and the embedment of a risk/control culture within the Operations Function. Duncan holds a Bachelor’s of Environmental Management degree (Hons) from Makerere University, an MSc. Financial Management from Middlesex University, United Kingdom, and a Diploma in Risk Management in Banking as an Advanced International Training Program KPMG, Sweden.

Annette Nakiyaga joined I&M Bank (Uganda) Limited on 1st June 2022 as Head of Marketing & Corporate Communications. She is a sales, marketing, and corporate communications professional, with 12 years of work experience obtained from Uganda Breweries Ltd. She brings a wealth of experience to this position with expertise in brand building, consumer insights, marketing judgement, public relations, corporate relations, key accounts management, strategic analysis, and commerciality. Annette holds a Bachelor of Arts in Economics from Makerere University and certifications in Way of Selling, Luxury Capability Program and Brand Building from INSEAD Business School (one of the world's leading and largest graduate business schools).

Charles Kiirya joined I&M Bank in April 2021 as Head of Credit. Charles has over 18 years’ dynamic banking experience with expertise spanning areas of Credit Risk, Compliance, Operational Risk and Relationship Management in international and regional banks. Prior to joining I&M Bank Charles was with Standard Chartered Bank for 15 years and worked with Bank of Africa Uganda before that. Charles holds a Bachelor of Science in Quantitative Economics and is a chartered accountant with the Association of Chartered Certified Accountants (UK). He has also had various professional training across Credit Risk, Compliance, Operational Risk, Financial Markets and Relationship Management. He has previously been a Credit Risk trainer at Makerere University.

Denis Damba joined I&M Bank (Uganda) Limited in January 2020 as the Head of Treasury. He has over 13 years of banking experience in roles across the Treasury and prior to joining I&M Bank, he was the Liquidity Manager at DFCU Bank. Denis holds a Bachelor of Tourism degree (Hons) from Makerere University and is an ACI-certified Treasury dealer.

Natalie joined I&M Bank (Uganda) Limited in June 2011 as a Legal Officer. She has 10 years of banking experience in Legal, compliance, litigation, secretarial services, and advisory. Natalie holds a Bachelor of Laws degree (Hons) from Makerere University, a Post-graduate Diploma in Legal Practice (Bar Course), and is an accredited advocate of the High Court and courts subordinate. Natalie is a member of the Uganda Law Society and East Africa Law Society.

Joseph Biryahwaho joined I&M Bank (Uganda) Limited on 9th November 2022 as Head of Risk. Prior to joining I&M Bank Uganda, Joseph was the Head of Risk Management at FINCA Uganda where he had worked since January 2020. Joseph started his career as a Credit Officer with Faulu Uganda in 2005, before moving to Stanbic Bank Uganda where he served in various roles and rose through the ranks over 14 years, to head the Risk Management function as Head of Operational Risk and acting Chief Risk Officer. At Stanbic Bank Uganda, he established the first Business Continuity Management desk, the first enterprise risk appetite, and stress testing frameworks, the first Information and Cyber Security frameworks, and the risk data aggregation and reporting capabilities among other notable milestones. Joseph moved to FINCA Uganda with a passion for steering corporate strategy more directly, while contributing to the institution’s penetration into the underserved markets of Uganda, leveraging capabilities like data science, digital lending, and recommendation systems. Joseph Biryahwaho is a Certified Fraud Examiner with the ACFE, a Certified Information Security Manager with ISACA, an MBA (University of East London), and holds a Bachelor’s Degree in Business Administration (Accounting) from Makerere University Business School.

Kumar joined I&M Bank (Uganda) Limited in 2007 as Head of IT. He has over 16 years of experience in the ICT space in India, and Uganda. Kumar holds a Bachelor of Computer Sciences degree (Hons) from Andhra University, Andhra Pradesh; Masters in Computer Science from Andhra University, Andhra Pradesh and MBA (Masters in Information Technology) from Sikkim Manipal University, Uganda

Oscar Karamagi joined I&M Bank (Uganda) Limited in 2013 as Internal Audit Officer. He has over 20 years of Banking experience in roles across Banking Operations, Credit, and Internal Audit. Prior to joining I&M Bank, Oscar held various roles at Centenary Rural Development Bank Limited and DFCU Bank. Oscar is a Certified Public Accountant, a member of the Institute of Certified Public Accountants (Uganda), and holds a Master of Science in Accounting and Finance from Makerere University, and a Bachelor of Commerce majoring in Accounting degree (Hons) from Makerere University.