Ato Abdulkadir brings over 22 years of expertise in banking and financial services, with the last 13 years dedicated to leading departments such as Electronic Channel, Interest-Free Banking (IFB), and IFB Customer Relationship Management. Previously, he served as Division Manager for Payment Card Banking, Mobile and Agent Banking, and held roles as a Senior Banking and Financial Services Consultant, Deposit Accounts Supervisor, and Merchant Service Officer.
In addition to his extensive project management experience, Ato Abdulkadir has developed and refined strategic initiatives, implemented electronic channel services, adopted IFB services, and led CORE banking solution implementations.
He holds a Master’s in Business Leadership (MBL) from Addis Ababa University School of Commerce (AAUSC), an MBA from St. Mary’s University, a BA in Marketing Management from AAUSC, a BA in Accounting Information Systems from MicroLink College, and a Diploma in Banking and Finance from AAUSC.
Since march 11, 2024 he has been serving as Interest free Banking Department Director.
Ato Abel has held key roles at Zemen Bank, including Manager of Accounts & Share Management, Manager of Fund Management & Budget Control, and Senior Internal Auditor. Before joining Zemen Bank, he gained valuable experience in various roles at Dashen Bank, Awash International Bank, and Addis Credit & Saving Institute, where he built a solid foundation in auditing, banking operations, and financial management. Abel holds an MSc in Accounting and Finance from Addis Ababa University, along with a BA and Diploma in Accounting from the same institution, reflecting his strong academic background that complements his practical skills in the field.
Since October 1, 2022, he has been serving as the Director of the Treasury & Investment Department.
Director - Digital Transformation and Software Development.
Akalework Tamene Kebede
Director - Digital Transformation and Software Development.
Akalework brings a strong background in digital banking, software development, and innovation-driven solutions in the financial sector. With a track record of leading successful transformation initiatives, he has played pivotal roles in advancing core banking systems, digital platforms, and IT strategy. He has previously held managerial roles in technology and systems development. Currently, he serves as the Acting Director of Digital Transformation and Software Development, where he oversees the bank’s digital modernization agenda, including emerging technologies and automation.
Director - Procurement & Contract Management Department
Ayele Tibebu Bezabhi
Director - Procurement & Contract Management Department
Ato Ayele began his career at Zemen Bank as the Head of Logistics and Property Management and later served as the Manager of Logistics and Property Management. Previously he worked at Washera Broadview College and Abay Insurance. Ato Ayele holds Masters degree in Public Administration from Indira Gandhi National Open University and a Bachelor of Science degree in Business Education from Addis Ababa University.
Since July 1, 2023, he has been serving as the Director of the Procurement & Contract Management Department.
Ato Birhanu has held various positions at institutions such as the Federal First Instance Court, the Commercial Bank of Ethiopia, Jimma University, Nib International Bank, and the Bank of Abyssinia. He has made substantial contributions to legal scholarship through academic articles published in various law journals. Ato Birhanu graduated with an LL.M in International Business Law and Globalization from Utrecht University in the Netherlands and an LL.B from Addis Ababa University.
Since October 1, 2022, he has been serving as the Director of the Legal Service Department.
Biruk Assefa is a Director of Business and SME Banking at Zemen Bank, where he has worked through progressive leadership roles since 2012. Starting as a Senior Business Development Officer, he has advanced through diverse functions, building deep expertise in banking, marketing, and sales. With nearly two decades of industry experience, Biruk has worked with local and international organizations, developing strategic insight and client-focused solutions. In his current role, he oversees a high-value portfolio and leads initiatives to strengthen SME access to finance. He holds a Master’s degree in Marketing Management from Mekelle University.
Demeke Gashaw is Director of Enterprise Applications Management at Zemen Bank S.C., appointed in December 2024. He brings over 14 years of experience in banking technology, core systems, and digital transformation, having previously served as Director of Core Systems & Data Analytics at Tsehay Bank and as Head of Core Banking Application Administration at Hibret Bank. Demeke began his career at Action Aid Ethiopia, building strong expertise in IT infrastructure and operations. He holds a Bsc Degree in Computer Science from Hawassa University, complemented by certifications in core banking and IT operations.
Ato Eskatnaf, since joining Zemen Bank in November 2010, has held various roles, including IT System Security Manager, Principal Officer specializing in Network and Datacenter Management, and Senior IT Infrastructure Officer. Before joining Zemen Bank, Eskatnaf worked as a Hardware and Networking Engineer at Silicon Computer and Communication PLC and as a Technical Specialist at Offshoring 2.0 Outsourcing, showcasing his robust background in IT management and cybersecurity. Ato Eskatnaf's expertise is backed by an MSc in Computer Science from HilCoE and a BSc in Computer Engineering from Microlink Information Technology College. His skills are further validated by international certifications such as COBIT Foundation, ITIL Foundation, Cisco CCNP, CCNA, CCNA Security, and Metasploit Pro Specialist.
Since October 1, 2022, he has been serving as the Director of the Cyber & IT Security Department.
Ato Fekadu served as a Junior Branch Accounts Clerk, Branch Accounts Officer, Senior Branch Accounts Officer, Assistant Manager – Banking Center, Acting Manager – Banking Center, and Manager of a Banking Center at Zemen Bank. Before joining Zemen Bank, he worked at Ultimate Motors PLC as a Purchaser. He holds an MA in Public Management and Policy, and a BA in Business Administration and Information Systems from Addis Ababa University.
Since October 1, 2022, he has been serving as the Director of the Omni Channel Banking Department.
Director - Risk and Compliance Management Department
Fikru Tabor Urgessa
Director - Risk and Compliance Management Department
Ato Fikru, since joining Zemen Bank in 2009, has held positions including Senior Risk Management Officer, Senior Credit Analyst, Credit Monitoring and Follow-up Manager, and Compliance Division Manager. He began his career at the Commercial Bank of Ethiopia as a management trainee and progressed through roles such as Loan Officer, Corporate Credit Assessor, and Credit Analyst. Ato Fikru holds an MBA and a BA in Business Management from Addis Ababa University. He is also certified in Risk Management, Advanced Corporate Governance, High-Performance Leadership, Transformational Leadership, Corporate Customer Relationship Management, IFRS, and Problem Loan Management.
Since March 1, 2021, he has been serving as the Director of the Risk and Compliance Management Department.
Director - Marketing & Corporate Communication Department
Girum Tariku Agonafer
Director - Marketing & Corporate Communication Department
Ato Girum has held various roles in the industry, including Director of Marketing and Corporate Communication at Berhan Bank S.C. He has worked as communications consultant for UNDP and Program Manager, and Country Representative for Kinderhilfswerk Ethiopia. He has also worked as an English newscaster for ETV/EBC. He obtained MA in Policy Studies CSU and a BA in Educational Psychology from AAU.
Since March 3, 2023, he has been serving as the Director of the Marketing & Corporate Communication Department.
Director - Database Management & Analytics Department
Habte Reji Gizaw
Director - Database Management & Analytics Department
Habte Reji joined Zemen Bank as the Director of the Database Management and Analytics Department. He has held leadership and managerial positions in various departments and has experience at Hibret Bank S.C., where he held roles such as Manager of the Core Banking Application Administration Division, Manager of the Office Automation Division, Head of the Programming and Interface Section, Senior Database Administrator, and Database Administrator II. He also worked as a Senior System Engineer at SS Communications Plc, a Programmer & Analyst at ABCON Plc, and has a background in teaching at Atlanta College. Habte holds an M.Sc. in Information Science, a B.Sc. in Information Systems, and a B.A. in Finance and Development Economics from Addis Ababa University.
Since March 4, 2023, he has been serving as the Director of the Database Management & Analytics Department.
Director- IT strategy & Enterprise Architecture Management.
Haile-Eyesus Mezgebu Alemahu
Director- IT strategy & Enterprise Architecture Management.
Ato Haileyesus has previously held roles at the Ethiopian Roads Authority, National Bank of Ethiopia, and Commercial Bank of Ethiopia. His positions included IT Advisor to the President, Director of IT Services, Manager of IT Services, CIO, Head of Technical Support, Supervisor for Change Control, and IT Project Officer. Ato Haileyesus holds an MSC in Computer Science and a BA in Accounting.
Since October 1, 2022 he has been serving as Acting Chief Officer of Technology at Zemen Bank.
Ato Kassahun has previously held various positions in reputable organizations. His professional background includes construction head at Grace Engineering, project engineer at Tibeb Construction, project manager at Flintstone Engineering, senior building engineer at CBE, project coordination department head, project manager and operation Manager at Afrotsion Construction plc, Building Engineer at Coyne Joint Venture and program coordination Department manager at Teklebirhan Ambaye Construction. Kassahun holds Masters in Civil Engineering, BSc in Construction Technology and Management from AAU.
Since October 01,2022 he has been serving as the Director of the Engineering & Building Mgt. Department.
Director - Finance & Investor's Relations Department
Lemma Alemayehu Ayele
Director - Finance & Investor's Relations Department
Ato Lemma joined Zemen Bank as a Senior Accountant and has held various positions, including Head of General Accounts, Manager of the Accounts and Share Management Division, and Director of the Finance Department, eventually ascending to the position of Director of Finance and Investor Relations. Before joining Zemen Bank, he worked at Golden Valley International PLC as an Accountant and at the Bank of Abyssinia as a Bank Clerk. Ato Lemma holds an MSc in Accounting and Finance from Addis Ababa University, a BA in Accounting from Addis Ababa University College of Commerce.
Since October 01,2022 he has been serving as the Director of the Finance & Investor's Relations Department.
Mahlet Girma began her career at Zemen Bank as a junior officer and steadily advanced through a series of roles in branch operations. She played a key role in establishing and managing two branches, demonstrating her operational expertise and commitment to excellence. Currently serving as the Acting Director of the Corporate Banking Department, Mahlet oversees strategic client relationships and drives tailored financial solutions that support business growth. She holds a Master’s degree in Marketing Management from Addis Ababa University. Known for her results-oriented mind-set and strong leadership, Mahlet is deeply committed to delivering value to clients while fostering a customer-centric culture. Her approach is grounded in integrity, inclusion, and sustainable growth, and she continues to play a vital role in strengthening the bank’s corporate banking portfolio and operational performance.
Director - Fund Management and Remittance Department
Martha GebreMeskel Meressa
Director - Fund Management and Remittance Department
Martha Since joining Zemen Bank has held various senior roles, including Senior Officer Export Trade and Guarantee Services, Head Export Trade Service Section, Manager Export Trade & Foreign Guaranee Services Divison, Manager Forex Fund Management and Permit Division. Prior to Zemen Bank, she spent years at the Bank of Abyssinia, contributing to both the International Banking and Finance Departments.
Martha holds an MBA in General Management from St. Mary’s University, a BA in Management from Addis Ababa University.
Since October 01,2022 she has been serving as the Director - Fund Management and Remittance Department.
Director - Property & Logistics Management Department
Mechal Bedada Heye
Director - Property & Logistics Management Department
Ato Mechal served as Senior Division Manager of Public Relations and Manager of Promotion and Corporate Communication at Zemen Bank. He previously worked at Dashen and Awash Banks as head of promotion and manager of brands and Communication. Ato Mechal obtained Master of Commerce from Indira Gandhi National Open University and BA in Business Management from Alpha University College.
Since July 1, 2023, he has been serving as the Director of the Property & Logistics Management Department.
Ato Meheret served as Manager and Acting Director of Security Services Department at Zemen Bank. Before joining Zemen Bank he worked as Assistant Chief of Security at Radisson Blu International Hotel, Marketing Inspector in the Division at National Tobacco Enterprise, and held key positions in the Federal Police, including Division Head of Crime Prevention and Head of the Legal Main Division.
Ato Meheret has also worked as a UN Police Advisor in South Sudan and held roles in Immigration and Refugee Affairs. He holds an LL.B. in Law from Ethiopian Civil Service University and certifications in Police Science, Border Intelligence, and UN Police Training from China and South Sudan.
Since July 1, 2023, he has been serving as the Director of the Security Services Department.
Ato Mesfin started at Zemen Bank as a Teller and then worked in various positions, including Foreign Exchange Permit Officer, Senior Officer for Foreign Transfer & Cheque Service, and Customer Relationship Manager. He holds an MBA in Business Management from St. Mary’s University and a BA in Management from Unity University.
Since April 19, 2023 he has been serving as the Director of the Credit Appraisal Department.
Director - IT Infrastructure Management Department
Mitku Bitew Mengesha
Director - IT Infrastructure Management Department
Mitku joined Zemen Bank in 2016, bringing with him about eight years of experience as a Senior Network Engineer, Network Engineer, and Junior Network Engineer at the Ethiopian Revenues and Customs Authority. Since joining Zemen Bank, he has held the roles of Head of Network Support Section and Manager of Network Administration Division before assuming his current position as Director of the IT Infrastructure Management Department.
As Manager of Network Administration, he led various IT infrastructure projects, implemented emerging technologies, and conducted testing. During his tenure as Head of Network Support, he oversaw the technical implementation of the Tier III Data Center project, managed the migration of both Main and Disaster Recovery Data Centers, contributed as a key member of the PCI DSS project, and supported other technology initiatives. Additionally, Ato Mitku actively participated in preparing the Disaster Recovery Plan (DRP) and Business Continuity Plan (BCP).
He holds a Certified Data Center Management Professional (CDCMP) certification, a Bachelor’s degree in Information Technology from Bahir Dar University, and an MSc in Information Systems from Debre Berhan University.
Director - Strategy Implementation & Change Management Department
Tesfahun Demele Abebe
Director - Strategy Implementation & Change Management Department
Tesfahun Demele Abebe has worked at Zemen Bank in various capacities, including Head of the POS System Management & Card Issuing Section, Manager of the Performance Management Division, Assistant Manager in the Banking Center, and Senior Internal Auditor. He holds an MSc in Accounting and Finance from Addis Ababa University and a BA in Accounting from Unity University.
Since October 01,2022 he has been serving as the Director of the Strategy Implementation & Change Management Department.
Ato Tesfaye has held several roles at the National Bank of Ethiopia, including Head of the Back Office Section, Acting Forex Market Chief Dealer, Chief Dealer for Reserve Management, Senior Price and Data Analyst, and Acting and Chief Dealer for the Interbank Forex Market. He also served as the Director of Risk Management and Compliance, Director of Marketing, Planning, and Performance Evaluation, and Director of Planning and Business Development at Debub Global Bank. Tesfaye holds a Master’s in International Business Operations and a Master’s in Commerce from Indira Gandhi National Open University, as well as a BA in Marketing and Economics from Addis Ababa University.
Since October 01,2022 he has been serving as the Executive Assistant to the President.
Director - Performance Management and Employee Services Department
Nuru Mustefa Ahmed
Director - Performance Management and Employee Services Department
Ato Nuru has held several key roles at Zemen Bank, these includes Manager of the Human Resource Management Division, Head of Recruitment and Personnel Administration, Senior HR Administration Officer, Kiosk Supervisor, and Personal Banker.
His certifications include Strategic HR Leadership Development from Dubai, High Performance Team Development from Frankfurt, Job Evaluation and Salary Scale Construction, and HR Planning and Talent Management. Nuru is a prospective MBA graduate from Mekelle University, holds a BA in Accounting from Addis Ababa University.
Since May 1, 2023, he has been serving as the Director of the Performance Management and Employee Services Department.
Director - Research & Business Development Department
Tewodros Beyene Belew
Director - Research & Business Development Department
Ato Tewodros has held various positions at Zemen Bank, including principal credit relationship manager, innovation and change management division manager. He began his career at the Development Bank of Ethiopia and later worked as an Assistant Branch Manager at United insuramce and credit Analyst at Wegagen Bank S.C. Ato Tewodros has an MA in Development Studies from the University of Leeds and a BA in Economics from Addis Ababa University. Since October 01,2022 he has been serving as the Director of Research & Business Development Department.
Director - Talent Acquisition, Development, and Management Department
Thomas Getachew W/Mariam
Director - Talent Acquisition, Development, and Management Department
Ato Thomas has held key roles, including HRD and HRM Division Manager, at Zemen Bank. Before joining Zemen Bank, he worked in branch coordination and customer service, General Services Administration, and as Head of Recruitment and Placement, as well as in senior HR roles across various firms.
Ato Thomas holds a Master’s degree in Human Resource Management, an MBA, a BA in Management, and a BA in Political Science & International Relations from both local and international universities.
Since October 01,2022 he has been serving as the Director of Talent Acquisition, Development, and Management Department.
Wro Tigist has held key roles, including Division Manager for Credit Follow-up and Monitoring, Operational and Compliance Manager, and Mortgage and Consumer Manager. Before joining Zemen, she worked as a Senior Risk Officer at United Bank and as a Loan Supervisor at CBB. Additionally, she served as a Research Supervisor at Oxford Research. Tigist holds a Master’s degree in Business Leadership from the University of South Africa and a BA in Management and Business Administration from Addis Ababa University.
Since October 01,2022 he has been serving as the Director of Credit Portfolio Management Department.
Ato Yohannes Getachew joined Zemen Bank in December 2012, bringing with him a decade of experience in customer service and auditing across various banks. Previously, he held roles as Inspector-II at United Bank S.C. and Customer Service Officer and Senior Branch Auditor at Awash Bank. He is a certified Risk-Based Auditor with a strong foundation in audit practices.
Academically, Ato Yohannes holds an MSc in Accounting and Finance from Unity University, a BA in Business Administration and Information Systems (BAIS), and a Diploma in Accounting from Addis Ababa University Commercial College.
Currently, Ato Yohannes serves as the Director of Internal Audit at Zemen Bank S.C., where he continues to strengthen the bank’s audit and risk management functions.
With Over two decades of extensive work experience, Yonas has demonstrated remarkable leadership and expertise in the industry. Before joining Zemen, he has served at united Bank S.C in various capacities, gaining valuable insights and skills across multiple roles.
At Zemen, Yonas has held several Managerial roles showing his ability to lead teams and manages different assignments.
Yonas holds an MBA in general management from St. Merry University and BA in Accounting from AAU School of Commerce. Additionally, he has earned educational certificates from several renowned institutions, reflecting his commitment to continuous professional development.
Zewdu Ayenew has a diverse experience at Dashen Bank S.C. and progressing through various roles, including system administrator, senior system administrator, principal system administrator, and head of the system operation section. He obtained MSc in Information Science and a BSc in Information Systems from Addis Ababa University.
