Executive Committee

Ralph Watungwa

Chief Executive Officer, Zimbabwe

Ralph is the Chief Executive Officer of the Bank. He was appointed to his current role in January 2012 and has 30 years banking experience with Standard Chartered Bank Group in various capacities and different locations. Prior to his current appointment, Ralph served as Head of Retail Banking in Zambia for three years and before that he was Head of Retail Banking for Standard Chartered Bank Tanzania. He has also served as the Executive Director for Retail Banking for Standard Chartered Bank Zimbabwe and worked in various roles and capacities within the Bank in Corporate Banking, Project Finance, Corporate Finance and Trade finance in Zimbabwe between 1987 and 2000. Ralph is a product of the Bank’s graduate training programme and holds a Master of Business Administration degree as well as a Bachelor of Business Studies Honours degree, both from the University of Zimbabwe. He is an Associate Member of the Institute of Bankers, Zimbabwe. He has attended various senior management programmes at Oxford and Insead Business Schools.

Ralph is Chairman of the Institute of Bankers of Zimbabwe. President of both the British Business Association and the Bankers Association of Zimbabwe. He is also a Non-Executive Director of Mashonaland Holdings and sits on the Banks Board Credit Committee.

Christopher Mwerenga

Chief Financial Officer, Zimbabwe and Southern Africa

Chris was appointed Chief Financial Officer (CFO) Zimbabwe on 1 April 2014, CFO Zimbabwe & Southern Africa on 1 November 2015, having worked in the Africa Regional Office (ARO) in South Africa for nearly six years as Head WB Finance Africa Regional Office (ARO) and Southern Africa. Prior to joining ARO in South Africa, Chris had served in different capacities in Finance and the CEO’s office in Zimbabwe for a period of five years. In 2006, Chris briefly left the Bank to join the second largest building socieity in Zimbabwe at that time, Beverley Building Society as Finance Director for two and half years before rejoining SCB in South Africa.Chris is a Fellow of the Chartered Institute of Management Accountants (FCMA) United Kingdom (UK), a Chartered Global Management Accountant (CGMA) UK and a member of the South African Institute of Public Accountants (SAIPA). He also holds a Masters degree in Business Leadership (MBL) with with the University of South Africa (UNISA) and is a holder of an honours degree in Business Studies with the University of Zimbabwe.

Lucas Chirume

Head, Retail Banking, Zimbabwe (Acting)

Lucas was appointed as the Acting Head of Retail Banking, effective 1 January 2020 bringing in a wealth of cross functional banking experience spanning 30 years with Standard Chartered Bank Group in various capacities and different locations in the Middle East, Southern and West Africa. He has served as Head of Retail Banking Sierra Leone, Head Global Banking Sierra Leone, Senior Credit Manager in Ghana and UAE, Senior Credit Officer in Zimbabwe and South Africa and Senior Manager, Risk and Governance, Southern Africa. Lucas is a product of the Bank’s graduate training programme and holds a BSc (Hons) Economics and Masters of Business Administration degree from the University of Zimbabwe.

Mubaiwa Mubayiwa

Head, Commercial Banking, Zimbabwe and Southern Africa

Mubaiwa Mubayiwa was appointed Head Commercial Banking in December 2015 after a two year stint as Head for Financial Markets in Zimbabwe from 2013. He assumed additional responsibilities for Commercial Banking Southern Africa Region in 2017. Mubaiwa has also held different managerial positions in various African countries over the past 20 years he has been with the Bank. Key roles held include Head of Sales in Cameroon in 2006 and Head of Wholesale Banking in Sierra Leone in 2008. He joined the Bank on the Africa Regional Management Trainee program after graduating from The University of Zimbabwe with a Bachelor of Science Degree in Economics. He is also a holder of a Chartered Institute of Management Accountants (CIMA) qualification.

Silas Simemeza

Chief Information Officer, Zimbabwe

Silas was appointed to the Chief Information Officer role in April 2013 and has been with the Bank for 29 years. Prior to his current appointment, Silas was the Country Technology Manager for Zimbabwe. He also served as the Technology Information Security Manager, Africa and took part in some Group major projects. He was part of the design team for the Africa Enterprise Network and represented Africa on the Re-engineering Service Delivery Project which culminated into the establishment of the two Information Technology Service Centres in Malaysia and Chennai. Silas joined the Bank in Zimbabwe in 1989 as a Networks Specialist and rose through the ranks. Over and above other professional qualifications, he holds a Master of Business Administration Degree from Nottingham Trent University United Kingdom.

Lillian Hapanyengwi

Head, Corporate Affairs and Brand & Marketing, Zimbabwe

Lillian was appointed to her current role in 2015. As Head of Corporate Affairs, Brand and Marketing for Zimbabwe, Lillian leads on the strategic delivery of Brand and Marketing as well as that of Corporate Affairs. Lillian has been in the Bank for 19 years having joined the Bank as a Graduate trainee in 1999. She had exposure in Group Technology and Operations working in Systems and Processes and Operations before joining, Retail Clients in 2001 as Shared Distribution Support Manager.

Lillian joined Corporate Affairs in 2006 as Corporate Affairs Manager. She has led our Corporate Affairs function in Zimbabwe since 2008 and was instrumental in setting up the Corporate Affairs department in Mauritius in 2013. She has served as Acting Regional Head Southern Africa in 2014. Lillian is a holder of a Bachelor’s Degree in Computer Science and Mathematics as well as a Masters in Business Administration (MBA) from the University of Zimbabwe.

Lillian has a passion in coaching and mentoring young people and is also a patron of the Women’s Council in Standard Chartered Bank Zimbabwe.

Charles Kamba

Head of Legal, Southern Africa
Head of Legal & Company Secretary, Zimbabwe

Charles was appointed to Head of Legal and Company Secretary with effect from 1 April 2012, having joined the Bank in September 2011 as Retail Clients Legal and Compliance Manager. Prior to that, he was a practicing lawyer ,Company Secretary and Legal Advisor for a leading life assurance company in Zimbabwe. He also worked for the Institute for Security Studies in South Africa, researching on money laundering in Southern Africa. Charles holds an LLB (Hons) degree from the University of Zimbabwe and an LLM degree from the University of Cape Town. A member of the Law Society of Zimbabwe and the International Bar Association, he is also an Eisenhower Fellow. His portfolio has just been extended to Southern Africa in April 2018.

Faith Marerwa

Head, Human Resources, Zimbabwe (Acting)

Faith was appointed as the Acting Head of Human Resources effective 01 July 2019. She has been part of the Human Resources team from April 2006 and possesses a wealth of knowledge and expertise in HR matters.

Allan Mutenda

Country Chief Risk Officer and Head Operational Risk, Zimbabwe

Allan joined the Bank as Country Chief Risk Officer & Head Operational Risk in March 2016. He is a seasoned Risk Manager with 16 years' experience heading risk departments of several banking institutions in Zimbabwe and South Africa. Allan has previously worked for MBCA Bank (now Nedbank), Ithala Development Finance Corp, Premier Banking Corporation, Beverley Building Society, FBC Holdings Limited, CABS and the Reserve Bank of Zimbabwe. He is a beneficiary of Standard Chartered Bank’s internship programme. Allan has achieved success in setting up risk management functions, implementing risk frameworks and research in banking. He holds a Bachelor of Commerce Degree in Banking from NUST and has attended several professional development programmes during his career. He is currently doing an MSc Financial Management with Edinburgh Business School.

Desmond Chipunza

Head, Compliance, Zimbabwe

Desmond joined the Bank as Head of Compliance, Zimbabwe in May 2018. He has 15 years banking experience having worked for Barclays Bank Zimbabwe where he held the same position since 2010. Desmond joined the Banking sector in 2003 holding various roles including Money Laundering Reporting Officer, Legal Manager and Assistant Company Secretary and Head of Legal. He is passionate about compliance issues and successfully lobbied for the formation of the Bankers’ Association of Zimbabwe Compliance Committee in 2016, for which he was the inaugural Chairperson. He is also one of the founding trustees for the Compliance Society of Zimbabwe. In addition to compliance, he once held the position of the Principal Officer for the Barclays Bank Staff Pension Fund. Desmond holds an LLB(s) degree from University of Zimbabwe and a Masters in Business Administration (MBA) in Banking and Finance from NUST. He is a Certified Compliance Officer; Certified Governance Risk and Compliance Manager, Certified Enterprise Manager and Certified Project Manager. He is a member of the Law Society of Zimbabwe and International Academy of Financial Management.

He has recently developed a hobby of writing articles on Compliance, governance and ethics.

Cynthia Munemo

Head, Audit, Zimbabwe

Cynthia joined Standard Chartered Bank on 1st December 2018, from the Judicial Service Commission of Zimbabwe where she was Chief Internal Auditor. She will be responsible for providing independent assurance to relevant stakeholders on state of the control environment. Cynthia is a Certified Internal Auditor, Chartered Accountant, a Registered Public Auditor in Zimbabwe and an ACCA member. She also holds a Master of Business Administration degree from Women’s University in Africa. Her experience in internal audit spans over organisations in both the private and public sectors in areas such as banking, manufacturing, telecommunications, mining and non-governmental organisations. She is winner of the Megafest outstanding Accounting, Auditing and Investment leader of the year 2017.

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Speaking Up

Standard Chartered Bank (the “Bank”) is committed to maintaining a culture of the highest ethics and integrity, and in compliance with all applicable law, regulation and internal policy. As part of this commitment, the Bank has a ‘Speaking Up’ programme through which genuine concerns in this regard can be raised. Members of the public can securely raise Speaking Up concerns through this hyperlink, which is hosted on behalf of the Bank by a third party ‘InTouch’. Examples of concerns that can be raised through this website are concerns that relate to accounting, internal accounting controls or auditing matters and concerns relating to bribery or banking and financial crime. Concerns received will be forwarded to the Bank’s investigations team for review. Complaints relating to SCB banking services should not be raised through this site in the first instance, but through the SCB branch network, contact centres, Relationship Managers or the ‘Contact Us’ webpage.


Please note that this hyperlink will bring to you to another website on the Internet, which is operated by InTouch, an independent company appointed by the Bank to support its Speaking Up programme. Please be mindful that when you click on the link and open a new window in your browser, you will be subject to the additional terms of use of the website that you are going to visit.