Leadership

Charles Anderson Bello is a Fellow of the Chartered Bankers Institute in Scotland, a Certified Associate of the London School of Banking and Finance, Certified Fraud Specialist and a Chartered Associate of the Institute of Bankers in South Africa who brings to FINCA vast knowledge and experience in the financial industry and aims to steer the Malawi team in achieving its strategic objectives.

He brings to FINCA over twenty years of work experience in the financial industry after previously working with various financial institutions including National Bank of Malawi, Old Mutual, Future Savings and Credit Cooperatives Limited, NBS Bank, Epay Limited and FDH Bank, serving in various Senior positions.

Charles holds a master’s degree (Banking and Finance) from Bangor University, UK; MBA from University of Derby and a Bachelor’s Degree in Financial Services from University of Manchester, United Kingdom.

Charles joined the FINCA family in February 2023 after his appointment by the Board of Directors of FINCA Malawi.

Joan Gausi is an intelligent, reliable and devoted team player who devotes her work to solving problems. With 15 years of experience in the microfinance and banking industry, Joan performs several roles at FINCA Malawi including ultimate monitoring of all banking operations.

Joan joined FINCA Malawi as Banking Services Manager in April 2014 and rose to the position of Head of Banking Services in May 2016 and then to the role of Chief Operating Officer before attaining her current position of Chief Commercial Officer. Prior to joining FINCA, Joan worked at Opportunity International Bank of Malawi (OIBM), NBS Bank and First Merchant Bank where she held several positions including Treasury Back Office and Settlement Manager.

Joan holds a Master of Business Administration (Finance) from Don Bosco University, India and a Bachelor of Accountancy Degree from Exploits University, Malawi.

Esther Sikelo is a registered Accountant with Institute of Chartered Accountants in Malawi (ICAM). She is a hardworking, trustworthy and accountable person. She is responsible for financial reporting, budgeting process and day-to-day operations of FINCA Limited. Apart from managing the finance activities, she is also responsible for managing the administration department.

Esther has over 18 years’ experience in Microfinance. She joined FINCA Limited in 2004 as a Loan Officer and has served in several position before rising to the position of Chief Financial Officer, a position she holds up to date. Furthermore, Esther has also worked with FINCA Zambia as Finance Consultant helping the subsidiary aligning all its financial activities.

Esther holds a Bachelor of Accountancy Degree from Exploits University, Malawi and a Diploma in Accounting (ACCA) through Malawi College of Accountancy. Currently, she is studying towards attaining a Masters’ degree.

Joseph Kandeya is a qualified lawyer with a Bachelor of Laws Degree (Honours) from the University of Malawi’s school of law and Bachelor of Education from Mzuzu University. He is admitted to the Malawi bar to practice law in the courts of the country without conditions.

Being a trustworthy FINCA Malawi attorney, Joseph’s passion is always to pursue integrity and dependability in order to ensure that our legal team and FINCA Malawi in general, together with its stakeholders, soar to greater heights. His everyday roles include providing legal support to operations of FINCA Malawi, ensuring compliance with microfinance/ banking regulations, implementing and supporting good corporate governance and representing FINCA Malawi before courts and administrative agencies.

Joseph joined FINCA Malawi in June, 2020, as Head of Legal and Company Secretary. Before FINCA, Joseph worked with Liberty General Insurance Company Limited for 6 years as Legal Manager and Company Secretary where he also acted as Human Resources Manager and Risk and Compliance Manager. Prior to Liberty General Insurance, he worked with the Ministry of Justice in the department of Legal Aid as well as in the Malawi Judiciary.

Hamlett Peter Kamtengeni is a trained and experienced banker by profession with seventeen years’ experience working in the banking industry with a focus on Internal Controls, Risk and Compliance management. He holds a Bachelor’s Degree in Applied Accounting, Audit and Information Systems from Malawi College of Accountancy. He has also attended various banking courses that enabled him to acquire other financial services-related certificates ranging from anti-money laundering, credit, marketing, business continuity and disaster recovery to risk and compliance management. Hamlett is also a certified Trainer of Trainers in Tip-Off Anonymous (a whistle-blowing tool) and Money Laundering.

Being a hardworking, committed and honest individual with a strong sense of integrity, Hamlett leads and provides insight in risk management, compliance management, internal controls management as well as business continuity management within the FINCA Malawi subsidiary while leading the internal controls, risk and compliance team in Malawi.

Hamlett joined FINCA Malawi in June 2018 as Risk and Compliance Manager. Before joining FINCA, he worked for Finance Bank Malawi, Malawi Savings Bank and Nedbank in various functions that include internal auditing, credit underwriting, credit appraisal, quality assurance, credit and risk and compliance management.

Takondwa is an experienced, passionate and highly ambitious marketing professional with a drive to achieve excellence. With hands on experience of 10 years in the financial industry, she is responsible for marketing strategy, marketing transformation, brand management, public relations and corporate communications, and customer experience to ensure the ultimate growth of the FINCA brand in Malawi.

Takondwa joined the FINCA Malawi team as Marketing Manager in January 2022. Before embarking on her FINCA journey, she worked with Ecobank Malawi Limited as Marketing, Brands and Communications Manager for a period of 2 years. At Ecobank, Takondwa grew through the ranks in the 6 years period working as Account Relationship Manager and SME Senior Relationship Manager.

Takondwa is a chartered marketer with the Chartered Institute of Marketing (UK) besides holding a Bachelor of Arts degree from University of Malawi and a certificate in digital money from Digital Frontiers Institute.

Lovemore is a dedicated, decisive, and mature professional. He is a human resources practitioner who is hardworking with high sense of integrity. Being a focused individual, he is highly skilled in analysing human behaviour and collaborating with others to find amicable people-centric solutions to multi-faceted issues.

Lovemore joined FINCA Limited in June 2022 as Head of Human Resources. With 15 years managerial experience providing innovative management solutions, Lovemore is responsible for the development and oversight of all human resources policies, procedures, strategies and systems in the fields of HR Strategy Formulation; Talent Acquisition; Talent Development & Training (L&D); Performance Management; Compensation, Benefits &   Rewards Management; Employee Relations; Succession Planning; Corporate Culture; Change Management and Records Management. Prior to joining FINCA Limited, he was Human Resources Manager for Sunbird Hotels & Resorts units. Prior to that also, he once worked for FINCA Malawi for 2.5 years.

Lovemore holds a Bachelor of Science Degree specialized in Human Resource Development & Management from Share WORLD Open University. He also holds a Diploma in Management: Human Resources Management from The Institute of Administration & Commerce [IAC], RSA.

Martha is a dynamic, results driven, highly motivated audit professional with a demonstrated history of working in the audit industry.

She joined FINCA Malawi in February 2023 as the Corporate Audit Manager and leads the audit function of the FINCA subsidiary in Malawi. Before joining FINCA Malawi, Martha formerly worked for Kauya and Partners in Botswana as Internal Audit Manager. Previously, she also worked for Press Corporation Limited as Group Internal Auditor and also works at Deloitte and Touche as Senior Auditor.

Martha holds a Bachelor of Science in Management Information Systems Degree from the University of Malawi and she is a Certified Chartered Accountant (ACCA). She is a Certified Information System Auditor (CISA) with a proven track record in risk-based audit, risk management, risk assessment, internal controls, information system, compliance, operations and governance audits.

Zichepe Namalima is an experienced IT professional with a substantiated background of working in the banking industry in both commercial and central banks. Proficient in core banking system implementations and upgrading projects as a certified PRINCE2 Practitioner. Innovative and committed core banking expert with proven record of successful end to end system implementations.

Zichepe joined FINCA Malawi in September 2023 as an IT Manager. Before joining FINCA, he has worked as systems analyst, project coordinator, T24 Senior Business Consultant on numerous projects in Zambia, Eswatini, Kenya, Rwanda, UK and Malawi. He holds a degree in Management Information Systems from Solusi University, Zimbabwe.

Zichepe has managed multi-national and multi-skilled technical teams in various banks. Before joining FINCA Malawi, he worked for National Bank of Malawi, FINCOM, Nedbank, NBS Bank, TEMENOS (Africa) Ltd and Sofgen (Africa) Ltd in several roles that include system administration, project coordination, user training, project management, consultancy and IT management.