Béata HABYARIMANA serves as the Group CEO of BK Group, the largest financial conglomerate in Rwanda with a total asset of 1.7 billion USD, overseeing five subsidiaries including banking, insurance, wealth management, a technology hub, and a philanthropic foundation.

With a background in economics and finance, Mrs. Béata is a seasoned professional with a proven track record in the banking industry, specializing in business restructuring and organizational transformation.

Over the past two decades, Mrs. Habyarimana has held executive positions at prominent financial institutions such as BMCE - Bank of Africa Rwanda, Agaseke Bank, and Banque Populaire du Rwanda. As one of the pioneering female leaders in the Rwandan banking sector, she is dedicated to advancing women's financial empowerment. She is a founding member of New Faces New Voices Rwanda Chapter, a Pan-African advocacy group promoting the inclusion of women in the financial sector, and RUGORI Investment Network, a Trust Fund supporting women's investment initiatives.

From 2021 to 2022, Mrs. Béata served as the Minister of Trade and Industry of Rwanda, where she played a pivotal role in the successful implementation of the African Continental Free Trade Area agreement.

Mrs. Béata holds an MBA in Finance from Maastricht School of Management in the Netherlands and a bachelor's degree in Public Economics from the University of Rwanda.

Emmanuel Nkusi Batanage is the General Counsel and Group Company Secretary of BK Group Plc. Prior to this he was Bank of Kigali Plc Company Secretary – Head of Corporate Affairs. Before Joining Bank of Kigali Plc, he was the Chief Legal and regulatory Affairs Officer/Company Secretary of (KTRN Ltd) Korea Telecommunication Rwanda Networks Ltd.

He also served at Tigo Rwanda Ltd, a Millicom Inc. SPrior to the Telecommunication Industry, he served as Acting Head Legal and Company Secretary in (Banque Commerciale du Rwanda BCR) now I&M Bank. He also served as Head legal and Company Secretary at Ecobank Rwanda Ltd. ubsidiary, as Legal Manager and Company Secretary.

With 20 years’ experience (in both public sector –Supreme Court of Rwanda legal advisor - and private sector) he has been involved in various legal opinion drafting matters; contract drafting and negotiation; successful merger and acquisition transactions, taking part in solving conflicts, representing companies in arbitration and being part of regulatory investigations in both the Banking and Telecommunications industries.

With the extensive senior corporate commercial local and global transactions legal advisory services experience, Emmanuel has earned required skills in managing legal complex problems and corporate governance exposure for Board of Directors’ affairs.

He holds a bachelor’s degree of Law (LLB) and a Master’s degree in International Business Law.

Emmanuel has participated in various certification programs on regulatory affairs management and legal advisory across the world (Canada, Luxembourg, Dubai, Kenya)

He is a Certified In-House Corporate Counsel from the Institute of Corporate Counsel USA – Association of Corporate Counsel, Washington DC and a Certified Corporate Director from the India Institute of Directors. He is a certified Corporate Director from the Institute of Directors India New Delhi since February 2023.

He serves as Board member of the East African Business Council as the Chairperson of the Audit and Governance Committee.

Married Rwandan with three children (15,11 and 3 years old). Speaks and write fluently English, French and Swahili.

With over 18 years of experience at the intersection of technology and innovation, Jean Aimé Cliff Muligande serves as the Chief Technology Officer at BK Group Plc., a leading Financial Group in Rwanda. As CTO, Cliff is responsible for driving the company's technical vision and ensuring its technological resources are aligned with the overall business strategy.

Prior to joining BK Group, Cliff held key technical leadership roles at MTN Rwanda and worked also with MTN Hub in the region. He led the delivery of groundbreaking digital solutions, significantly contributed to the implementation and growth of Mobile Money business, drove MTN Digital Transformation agenda, led the implementation of Data and Information Security strategies that have seen the Organization flourishing.

Throughout his career, Cliff has championed innovation, spearheaded successful IT solutions development initiatives and under his leadership, MTN Rwanda introduced several award-winning products that have redefined the company competitive position.

Cliff Muligande has served in various roles with the mandate of aligning business strategy to technology, directing IT Enterprise Operations, architecture, solution development, service delivery and data analytics capabilities design and implementation. Cliff’s ability to bridge the gap between business needs and technological advancements has been a hallmark of his career.

Known for his collaborative approach, Cliff fosters cross-functional teams and encourages a culture of creativity and experimentation. He believes in creating an environment where diverse perspectives converge to solve complex challenges, ultimately driving the company towards new heights of success.

Cliff holds a Bachelor’s degree in Information Management from Adventist University of Central Africa. He is also a certified CIO (Chief Information Officer) from Carnegie Mellon University and continues to stay abreast of emerging technologies and industry trends, regularly participating in conferences and thought leadership forums and trainings.

Outside of the tech realm, Cliff Muligande is passionate about fostering education and mentors’ young professionals aspiring to make a mark in the technology sector and any other of their preferences.

Nicholas Murimi is currently the Group Chief Product Development Officer, BK Group Plc. He is also a Non-independent Board Director of BK General Insurance Company Ltd.

Nicholas is a seasoned and result driven Banking and Finance specialist with over a decade of professional and extensive experience in product development, SME Banking, Trade finance, Retail Banking, and client relations in the Banking sector. He has an impressive track record in developing general client and value chain solutions, conceptualizing skills in financial strategic planning and business development as well as developing and implementing company plans to improve organizational financial performance.

Prior to joining BK Group Plc, Nicholas worked with Standard Chartered Group (SCB) as the Product Owner, Business Banking - Africa & Middle East (AME) based in UAE, where he was charged with the responsibility of driving profitability and reshaping the markets business model and product offering by rolling out digital initiatives for Business Banking AME.

In addition, Nicholas served in various roles in Standard Chartered Kenya, growing through the ranks due to his demonstrable ability to lead and mentor teams as well as develop and implement strategies that focused on SCB’s vision and mission. The roles included General Manager, Business Banking Kenya, Head of Products & Segments, Head of Client Relationships, Retail Banking and Head of Credit Analysis having joined the institution via SCB’s management trainee program – International Graduates Program.

Nicholas holds an MSc. in Finance specialized in Finance & Investments and a BSc. in Actuarial Science from the University of Nairobi. He is also Credit Skills Assessment Program (CSAP) certified from Omega Performance, USA. In addition, he is currently pursuing Professional Scrum Product Owner™ certification.

Nicholas is passionate about financial literacy and mentorship. He enjoys recreational running and outdoor adventure.

Nsinga Flora is currently the Group Chief Shared Services Officer, BK Group Plc. She also has an immediate prior position as Chief Human Resources and Administrative Officer, BK Bank.

Flora career in people agenda is closely intertwined with the Bk Group and its business units’ strategic vision and growth. Starting with the Bank of Kigali’s organization structure and human resources restructuring in 2009. Then came the change to a more a customer-oriented bank through growth of delivery channel including branches and agency banking. 2017 saw the BK Group and Strategic Business Units restructuring strategy to create a ‘one stop shop’ financial services provider of banking, capital & investment, insurance, and Tech Services.

Flora is always guiding BK Group and its strategic Business Units towards fostering a culture of collaboration and empowerment.

Flora initiated procurement strategies that introduces enhanced cost-efficiency and supply chain resilience especially with the end-to-end automation of the procurements processes and procedures. I have proven ability to forge strategic partnerships and negotiate favourable contracts, contributing to sustained growth and profitability to the Group’s business units.

She oversaw a restructuring including performance review in 2009 and 2022 to strategically align the bank’s strategic capabilities through re-skilling, talent search and management to deliver excellent customer centric experience thereby enhancing shareholder value.

In addition, Flora has been the cog turning the wheels of the Bank’s Growth in the delivery channel infrastructure. This has been branches grow from 18 branches to 65 branches, ATMs currently stand at 104 ATMs. Other important introductions of delivery channels include ‘points of sale’ currently 2278 PoS and Agency banking totalling 4523 agents across the country.

Flora holds a bachelor’s degree in business administration with specialization in Human Resources from Kigali Institute of Science, Technology, and Management (KIST). I also hold a master’s in management, majoring in Leadership and Human Resources from Cambridge College Boston, Massachusetts - USA.

I am a thought leader and sits in various boards namely King Faysal Hospital, Green Hills Academy, BK Capital, Staple Brokerage, and National Land Authority.

NTIRANYIBAGIRWA Ange is Group Head of Finance. His responsibility includes all aspect of financial management of BK Group.

In his role, He provides strategic direction to the Group and subsidiaries team of talented finance professionals and problem solvers covering accounting and controls, financial planning, tax planning, treasury and investor relations who partner with business leaders to execute our profitable growth strategy.

NTIRANYIBAGIRWA Ange brings the role over 15 years of multinational experience. Prior to join BK Group, NTIRANYIBAGIRWA Ange served 4 years at British American Tobacco Rwanda as Finance Manager, 7 years as Financial Controller and Head of Financial Planning for Tigo Rwanda, 4 years as Senior Finance Manager and 2 years as Deputy Commercial Director at IHS Tower Rwanda.

NTIRANYIBAGIRWA Ange holds a bachelor and MBA degree in Accounting Science from National University of Rwanda and is an active ACCA member from 2017.