Board of Directors

Joy Uwinema Ntare

Non-Executive Director

Joy Uwinema Ntare is a seasoned finance and risk management executive with over 30 years of experience across central banking and development finance. As Group Vice President and Deputy Group Managing Director of the Eastern and Southern African Trade and Development Bank (TDB Group), she oversees finance, treasury, portfolio management and risk management functions.

Previously, she served as Chief Risk Officer at TDB and held multiple senior leadership roles at the Central Bank of Rwanda, including Director General of Financial Stability, where she led banking, insurance, and pension supervision.

She holds an MBA from Cardiff Business School, is a Chartered Certified Accountant (ACCA, UK), and has advanced training in risk, financial regulation, and governance. Joy currently serves on the Boards of Zep-Re, TDB Captive Insurance and Eastern and Southern African Trade Fund (ESATF). Ms. Ntare has actively contributed to numerous regional financial integration initiatives within the EAC and has also served on the ATI Board.