Senior Leadership Team

Ravneet Chowdhury

Chief Executive Officer

Mr. Ravneet Chowdhury joined DTB-Tanzania family on 1st October 2020 in the capacity of Chief Executive Officer - CEO. He is an experienced leader with over 3 decades of Banking knowledge and global exposure in executive roles covering Investment Banking, Treasury, Corporate Finance and Country Management.

His banking career began in 1987 with American Express where he joined as a Manager in Treasury sales before climbing the ladder to Manager Capital Markets. Mr. Chowdhury worked in Standard Chartered Bank for 18 years - serving in the roles of Country Head of Financial Markets, Executive Director and Chief Executive Officer in various locations with the last assignment in Oman. He was also the Chief Executive Officer for Bank One Limited in Mauritius for 6.5 years.

Mr. Chowdhury is credited with being one of the founder members of the Oman Bankers Association during his tenure with Standard Chartered Bank. He was also the Vice Chairman of the Mauritius Bankers Association.

Mr. Ravneet Chowdhury is a Fellow Chartered Accountant. He holds a Master of Business Administration (MBA) from the Henley Management College and a Bachelor of Commerce (B. Com) degree from the University of Delhi.

Mr. Chowdhury is aged 53 years.

Sabiha Gulam

Chief Operating Officer

Sabiha is a seasoned banker with more than 25 years' experience in managing Information Technology (IT) and Banking Enterprise Operations. Sabiha re-joined DTB-Tanzania in September 2021 in the capacity of Chief Operating Officer.  

Prior to DTB Sabiha worked with ABSA Bank Tanzania where she was the Chief Operating Officer. She has also worked with Bank ABC and DTB as well; where she started her banking career.  

Sabiha holds a MSC in Information Systems from the University of Portsmouth - London, and a MSC in Strategic Business Information Technology from the University of Portsmouth - affiliated with Institute of Information Technology, Dar es Salaam, Tanzania.  

Joseph Mabusi

Chief Finance Officer

Mr. Mabusi joined DTB Tanzania as Head of Finance in August 2006 after stints at Standard Chartered Bank Tanzania, Azania Bancorp, and International Commercial Bank. Mr. Mabusi rose to the Chief Finance Officer position in 2016 following ten years in the finance department. Mr. Mabusi is a certified public accountant and a member of the National Board of Accountants and Auditors Tanzania (NBAA).

Thomas Otieno

Head of Risk Management

Mr. Otieno joined DTB Tanzania in March 2001 and is one of the longest-serving members of the senior management team. Mr. Otieno has held managerial positions in different departments in DTB Tanzania including operations and compliance before his appointment to Head the Risk Department in 2016. Mr. Otieno holds a Bachelor of Commerce (B.Com) with an Accounting Major from the University of Dar es Salaam (1998).

Mansoor Baragama

Head of Debt Recovery Department

Mr. Mansoor Baragama joined DTB-Tanzania in July 2023 to Head the Debt Recovery Department.

Mansoor is a qualified Credit Risk Management practitioner with over 18 years’ experience in Tanzanian banking industry; covering Credit Management, Risk & Compliance, and Special Assets Management.

Mansoor has served in various roles at NMB Plc; TIB Development Bank; Commercial Bank of Africa and NCBA Bank Tanzania Limited. Mansoor holds a Bachelor of Arts (2003), and a Master in Business Administration (MBA-Finance 2012) both from the University of Dar Es Salaam.

Bijal Patel

Head of International Banking Department

Ms. Bijal Patel joined DTB Tanzania in 1999 and has since served the bank diligently for the past twenty years in branch operations and international banking department. Ms. Patel is pursuing banking certification (associate in banking) with Tanzania Institute of Bankers (TIOB). Ms. Patel is currently heading the international banking department.

Muhaimina Sultan

Head of Operations

Having been with DTB Tanzania for twelve years, Ms. Sultan has headed various departments including credit administration, international banking and branch management unit before her appointment as Head of Operations. Prior to joining the bank, Ms. Sultan worked with Kenya Commercial Bank Ltd for eight years. Ms. Sultan holds a Certificate of Business in Banking, Calculation, and Communication from the Chartered Institute of Banking (CIB) - 1997.

Betty Rupia

Head of Corporate Banking Department

Ms. Betty Rupia joined DTB Tanzania in 2011 in the corporate banking department. Ms. Rupia was appointed to the position of Head of Corporate Banking department in September 2017. Ms. Rupia holds a Bachelor of Arts in Finance and International Business Management from Portland State University, Portland - the United States of America. She has also attended training on Credit Management at the National Institute of Bank Management (NIBM) in Pune, India.

Ebrahim Alibhai

Head of Treasury

Mr. Ebrahim Alibhai joined DTB Tanzania in 2014 as a foreign exchange and money market trader in the treasury department; before his appointment as Head of Treasury in 2016. Mr. Alibhai is a certified financial dealer with a keen interest in markets and a deep understanding of treasury management. Mr. Alibhai holds a Degree in Economics and Politics at The University of Manchester (2008). Mr. Alibhai has also attended training on fixed income portfolio management at the National Institute of Bank Management (NIBM) in Pune, India.

Sylvester Bahati

Head of PR, Advertising & Communication

Mr. Bahati was appointed as the Head of PR, Advertising & Communication in 2013. He has twelve years of experience in the financial industry, having previously worked with Barclays Bank Tanzania and Bank M Tanzania in sales, service delivery & quality assurance departments respectively. Mr. Bahati holds an Advanced Diploma in Marketing and Business Management and a Bachelor's Degree in Economic Diplomacy and International Relations. Mr. Bahati has also attended training on customer relationship management and data mining at the National Institute of Bank Management (NIBM) in Pune, India.

Abhinav Sharma

Head - Retail Banking Department

Abhinav Sharma joined DTB Tanzania in July 2023 in the capacity of Head - Retail Banking Department. He is an Economics graduate from University of Delhi (2000) and an MBA holder from FORE School of Management, Delhi, India (2002).

He joins DTB Tanzania with over 2 decades of experience in Retail Banking. Prior to joining DTB, Abhinav served as Head of Retail Banking with a leading bank in Myanmar and has also been associated with leading Indian banks [ICICI and HDFC] in various capacities.

Shahista Adam

Branch Manager - Dar es Salaam Main

Ms. Shahista Adam joined DTB Tanzania in 2007 and has since served the bank for twelve years in different roles starting as an officer in centralized operations before gaining promotion as branch manager Nyerere Road branch. Ms. Adam started her banking career in 2004 at Habib African Bank Ltd and later joined Savings & Finance Commercial Bank (currently NIC Bank). Ms. Adam currently heads the bank's flagship branch - Dar es Salaam main branch.

Simon Luoga

Head - Human Resources Department

Mr. Simon Luoga joined DTB-Tanzania in November 2020 in the capacity of Head - Human Resources Department.
Simon has been in the field of Human Resources Management for over 14 years in both Public and Private sectors.
Prior to joining DTB-Tanzania family, he served in similar position with Mkombozi Commercial Bank PLC for 4 years.
He holds Bachelor Degree in Public Administration from the University of Dar es salaam and a Post Graduate Diploma in Human Resources Management from the Institute of Finance Management (IFM).

Christopher Chuwa

Head - Internal Audit

Christopher joined DTB-Tanzania in August 2021 in the capacity of Head - Internal Audit.  

He is a veteran Internal Audit Professional with a decade experience in leading internal audit teams in the Tanzanian financial services sector.  

Prior to DTB, Christopher was the Head of Internal Audit in NCBA bank. He has also worked with Commercial Bank of Africa in various roles.  

Christopher is a B. Com (Finance) Graduate from the University of Dar-es-salaam, an Associate Certified Public Accountant registered by the National Board of Accountants and Auditors, a Certified Internal Auditor and a Certified Information Systems Auditor.  

Christopher is also a Certified Trainer of the Institute of Internal Auditors (IIA) and serves in the Advocacy Committee of the Board of IIA.  

Lilian Marco Kawa

Head - Compliance and CFC

Ms. Lilian Marco Kawa joined DTB-Tanzania family in June 2019 in the capacity of Senior Manager in Compliance Department. Ms. Kawa was appointed to the position of Head - Compliance on 22 nd October 2021 after having served the Bank in the capacity of Senior Manager in Compliance for 2 years. 

Lilian's 12 years' career in Compliance and Risk management began at National Bank of Commerce - NBC (2009 -2016) before joining African Banking Corporation - Banc ABC, Tanzania (2016 - 2018) and TPB Bank PLC, Tanzania (2018 - 2019).  

Lilian holds a Bachelor Degree in Business Administration with Information Technology from Symbiosis International University - India (2006-2009). She is also a Master of Business Administration (MBA) - Corporate Management from Mzumbe University (2010-2012). Ms. Kawa is currently pursuing Professional Banker certification with Tanzania Institute of Bankers (TIOB).  

Victoria Lupembe

Head - Legal Services & Company Secretary

Victoria Charles Lupembe joined DTB as the Head of Legal and Company Secretary in July 2022.  

Victoria is diversely skilled with practical experience in legal and governance issues pertaining to banking and financial institutions from her 12 years of progressive work experience having previously worked with United Bank for Africa (T) Ltd where she was the Head of Legal & Company Secretary and numerous years working with reputable Law Firms in Tanzania where she worked as a Senior Associate.  

Victoria holds an MBA (Hons) in Corporate Management from Mzumbe University, Post Graduate Diploma in Legal Practice from the Law School of Tanzania and an LL. B (Hons) from University of Dar es Salaam. She is currently a Student Member of the Chartered Governance Institute UK & Ireland.  

Professionally, Victoria is a Practicing Advocate, Notary Public and Commissioner for Oaths in Tanzania Mainland. She is also an active member of the Tanganyika Law Society, the East African Law Society and Tanzania Women Lawyers Association [TAWLA].  

Abraham Thomas

Head of Credit

Mr. Abraham Thomas joined DTB-Tanzania in September 2023 in the capacity of Head of Credit. He is a qualified professional with over 26 years of experience in Banking Industry. Prior to joining DTB he worked with Prime Bank Kenya, as Deputy Head of Credit and previously with Axis Bank, India [for over 16 years] managing leading large corporates in Mumbai as well as Head of Credit in Shanghai, China.
Mr. Abraham has a Bachelor Degree in Commerce, CAIIB and an MBA in Banking and holds certifications in SME and Trade Finance.