Shem is an experienced banker who joined EFC Uganda from a local commercial bank where he has been the Head of Personal Markets (Retail) and before that Head of Customer Channels at the same Bank where he pioneered digitization and Agent banking. Previously, he was MD at a Microfinance Bank in Rwanda and has also worked with World Vision International as Senior Financial Specialist for Africa. Shem is a Chartered Accountant and a Certified Retail Banker. Shem also holds a B.Com and an MBA in Finance.