John joined KCB in 1990 as a management trainee and has served in various roles including Head of Portfolio Management and Senior Credit Analyst. Prior to his current appointment in August 18th 2017 as the KCB Group Chief Risk Officer, John was the Acting Chief Risk Officer and previously the Head of Lending Risk Acting Director- Risk. He is a graduate of Economics from SGGS College , New Delhi and BA in Banking and Finance, University of Sunderland . In his current position, John is responsible for coordinating the Bank’s Enterprise Risk Management framework and ensuring full compliance with applicable regulation.