Julius Ruwaichi, Chief Executive Officer


Julius joined Access Microfinance Bank Tanzania in March 2016 as Chief Financial Officer (CFO). Prior to joining Access Microfinance Bank Tanzania Ltd, he worked for a similar role (CFO) at NIC Bank in Tanzania. For over eight years, he worked in different roles in finance department including Financial Controller roles for both Standard Chartered Bank Tanzania and NBC Bank.  Julius worked as an auditor with PwC for 5 years before joining banking career. He is a qualified Accountant, member of the Association of Chartered Certified Accountants (FCCA), he holds MBA from the East & Southern Africa Management Institute (ESAMI), a B.Sc. in Applied Accounting (Oxford Brookes University tgt w/ ACCA) and a B.Sc. in Engineering from University of Dar es Salaam. Mr. Julius speaks English, Swahili and very basic French.

Tunu Lwoga, Chief Risk Officer


Mrs. Tunu Lwoga is currently the Chief Risk Officer at Access Microfinance Bank Tanzania, her core responsibility is to ensure adequate and effective risk management across various functions at the bank. Mrs. Tunu has  8 years of experience in the banking industry through various managerial and leadership positions. She has held various positions at Letshego Holding and Letshego Banks as Group Risk and Compliance Manager for East and West Africa and Chief Risk Officer. She was engaged in various projects in Botswana and across the Holding (AML Automation Project and MSME Business Implementation), while also performing various training’s that were in collaboration with external Consultants. Mrs. Tunu played major roles in establishing Risk Departments in various African countries while also training their teams. She was part of the Transformation Leadership Team. She holds a Master of Business Administration specializing in Corporate Management, from Mzumbe University and a Bachelor’s Degree in Business Administration from the College of Business Education. She speaks fluent English and Swahili.

Zach Raymond, Chief Business Officer


Zach joined Access Microfinance Bank Tanzania in 2021, after spending one year consulting with AccessHolding Group.  His main responsibilities include delivering and implementing strategies to drive business performance. Prior to AccessHolding Group, Zach worked at the Small Enterprise Foundation in South Africa (most recently as the General Manager) and at S&P Capital IQ in USA (most recently as an Associate Director). Zach obtained a Master’s of Business Administration from the University of Cape Town in 2015, which complements additional certifications in microfinance, financial inclusion, strategy, and digital finance.