/ People

Françoise joined the Board of GT Bank Rwanda in June 2022. Previously, she sited on different Boards of various institutions including AGACIRO Development Fund for nine years.

Françoise has over 30 years of work experience with more than 25 years as a financial regulator expert with exceptional skills bank's soundness assessment and deep financial risks analytical capacity.

In her career, she has occupied various managerial positions in the National Bank of Rwanda mainly as a Director of the Bank Supervision Department in the Directorate of Financial Stability and also as a Director of Conduct Supervision and Financial inclusion Department; for more than 10 years.

Françoise has a Degree in Banking from ITB (INSTITUT DES TECHNIQUES BANCAIRES) located in Paris-France and an Associate Degree in Accounting from the University of Rwanda.

Françoise is currently an independent consultant in the financial sector with a focus on financial institutions compliance with applicable standards; financial inclusion and customer empowerment.

Mr. Segun Agbaje is the Group Chief Executive Officer of GTCO, one of Africa’s leading banking groups with a client base of over 20 million customers and business outlays across ten (10) African Countries and the United Kingdom.

Mr. Agbaje started his career in 1988 as an Auditor at Ernst & Young, USA. He subsequently joined GTBank as a pioneer staff in 1991 and rose through the ranks to become Executive Director in 2000 and Deputy Managing Director in 2002. In 2011, he was appointed Managing Director and CEO of GTBank, and under his leadership the Bank became one of Nigeria’s most profitable banks, maintaining impressive year-on-year growth in market share and profitability.

Mr. Agbaje is widely regarded as one of Africa’s leading CEOs with a reputation for identifying capital opportunities and executing business deals. He holds a Bachelor of Science in Accounting and a Master’s in Business Administration, both from the University of San Francisco, USA. He is also an alumnus of the Harvard Business School and has over 30 years of experience in investment, commercial and international banking.

Passionate about innovation and embracing disruptive technologies, Mr. Agbaje is driving the transformation of GTCO by constantly pioneering ground-breaking ideas that offer customers more value beyond financial services. Under his leadership, the Organization has promoted enterprise in the SME sector by empowering small businesses and creating Free Business Platforms such as the GTBank Food and Drink Fair and the GTBank Fashion Weekend.

Mr. Agbaje also revolutionized consumer lending in Nigeria through GTBank’s offering of Quick Credit, which gives individuals and small businesses instant, real-time access to loans at a low interest of 1.3 percent monthly.

In recognition of his sterling leadership and consistent outstanding performance, Mr. Agbaje has been the recipient of several awards over the years, some of which include: the African Banker of the Year Award by the African Banker Magazine, the Banker of the Year, Africa by the World Finance Magazine and CEO of the Year at the Africa Investor Awards.

Mr. Agbaje currently serves on the boards of GTBank (Ghana) Limited, GTBank (UK) Limited, GTBank (Kenya) Limited, and GTBank (Tanzania) Limited. He is also a Director on the MasterCard Advisory Board (the Middle East and Africa), and was elected to the Board of Directors of PepsiCo Inc., USA as an Independent Director and a member of the company’s audit committee in July 2020.

Mr. Ayokunle Yusuf currently serves as the Managing Director of Guaranty Trust Bank (Rwanda) Plc, bringing to the role over 15 years of progressive banking experience across multiple jurisdictions within the GTCO Group. He began his career at Guaranty Trust Bank Plc (Nigeria) in 2009 within the Financial Control Division. His trajectory within the organization has been marked by a series of high-impact leadership roles and transformative initiatives.

In November 2018, Mr. Yusuf was appointed Chief Operating Officer (COO) of GTBank (Rwanda) Plc. In this capacity, he led the successful execution of the Bank’s IT virtualization strategy and championed the comprehensive Business Automation Project (BAP), which delivered 92 system, product, service, and process improvements across 14 departments. His tenure also saw the enhancement of the Bank’s digital banking suite to drive revenue growth, the rollout of new retail and SME loan products, and the restructuring of the credit assessment framework for greater efficiency and risk control.

In December 2020, he was appointed COO of GTBank (Ghana) Ltd., a role he held until May 2025, when he assumed his current position as Managing Director of GTBank (Rwanda) Plc.

Prior to his Rwanda posting in 2018, Mr. Yusuf played a pivotal role in GTBank’s regional IFRS 9 implementation, notably supporting GTBank (Sierra Leone) Ltd with a tailored impairment analyzer and overseeing post-implementation support. He also advised GTBank subsidiaries in Kenya and the United Kingdom on IFRS 9 implementation.

Renowned for his thought leadership, Mr. Yusuf has delivered numerous macroeconomic presentations and policy papers to both internal and external audiences, including teams from the International Monetary Fund (IMF), the World Bank, and the Federal Ministry of Finance during staff visits.

He holds a Bachelor of Science degree in Accounting, is a Chartered Accountant (ACCA), a Chartered Stockbroker (ACS), and an MBA graduate of Warwick Business School, United Kingdom. He has also completed executive education/trainings/certifications at Harvard University; Stanford University; MIT Sloan Management School; University of California, Berkeley; University of Stellenbosch Business School and China Europe International Business School. He has also served as a facilitator in training programs for GTBank subsidiaries in Liberia, Sierra Leone, Rwanda, Ghana, and Tanzania.

Adv. CYAGA N. Eric MANAGING PARTNER, K-SOLUTIONS & PARTNERS

Eric is the Managing Partner at K-Solutions & Partners in Kigali, Rwanda. Eric’s role is to ensure the legality of commercial transactions, advise companies on their legal rights and duties. Eric has a deep understanding of the aspects of contract law, securities law, insolvency, business organization, and employment law.

He is a member of the Rwanda Bar Association. As a Senior lawyer, Eric together with others led the transformation of the leadership of the Rwanda Bar Association laws in 2015 with the aim of making an extraordinary impact on the career of the legal professionals.

He serves on the boards of directors of a number of organizations including GTBank ( Rwanda) plc.

Eric is also the honorary Consul for Côte d’Ivoire in Rwanda, a position that he has held since September 14, 2018.

Shema Ida joined the Board of GTBank (Rwanda) plc in September 2025. She serves on several Boards, including ZAMARA Actuaries Administrators and Insurance Brokers Limited from 2020 to date, Patriots Basketball Club from 2024 to date and Skills Development Fund at the Workforce Development Agency from 2015 to 2021 as Vice Chairman.

Shema has over 15 years of experience in strategic planning and execution, team leadership and development, stakeholder engagement and relationship management, budgeting, and project management. Demonstrated success in achieving, investment management, and corporate governance, strategic objectives, driving operational excellence, and fostering sustainable growth in challenging environments. She has held senior leadership positions at TCP Africa, Enabel – Belgium Development Agency, Rwanda Development Board, Capacity Development and Employment Employment Services Baord (CESB) and the National Capacity Building Secretariat (NCBS), overseeing strategic planning, stakeholder engagement and program management across public and financial sectors.

Shema holds a Master’s in Public and Development Management from the University of the Witwatersrand, South Africa and a Bachelor’s in Social Administration and Sociology from Makerere University, Uganda. She is committed to promoting skills development & job creation, social impact, and inclusive economic growth.