Mr. Demetus Kamguna has 20 years’ experience in banking and has built a reputation as a guru in credit management (end-to-end credit value chain) He holds BA in Economics and marketing management certificate from University of Dar Es Salaam. He also holds various certificates in Credit Management discipline from various institutions including Damelin School of Banking (Uganda and Zimbabwe), IFS School of Finance (incorporated by Royal Charter), Gordon Institute of Business Science (University of Pretoria) and Connemara Consulting (pty) ltd (for Leadership). He is also a certified credit Trainer for NMB, having done a lot on imparting credit skills to the entire NMB branch network.

His experience spans across five commercial banks having started his career in 1999; before NMB Bank Plc, Demetus worked previously with CRDB Bank Plc, Stanbic Bank Tanzania Ltd (also attached at Standard Bank SA), Barclays Bank Tanzania Ltd and Exim Bank Tanzania Ltd in the capacities of Credit Analyst, Credit Manager, Manager-Credit Evaluation, Senior Manager Credit, Ag. Head of Corporate Credit, Head of Business Banking & SME Credit, Ag. Corporate Credit Director and Head of Retail Credit. He also worked as consultant for International Finance Corporation (IFC) in partnership with Financial Access Capital Partners (FA).