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Directors

Ketaki D. Sheth
Chair of the Board
Dr. Yogesh K. Pattni
Chief Executive Officer
Sylvano O. Kola
Non-Executive Director
Mihir Chalishazar
Non-Executive Director
Raminder B. Singh
Non-Executive Director
Fiona Mungai
Non-Executive Director
Caine Wanjau
Non-Executive Director
Amb. Macharia Kamau
Non-Executive Director
Executive Committee

Dr. Yogesh K. Pattni
Chief Executive Officer
Azmina Pattni
Chief Business Officer | Deposits
Hezron Kamau
Chief Finance Officer
Poonam Shah
Chief Business Officer | Assets
Kalpesh Jotangia
Chief Operating Officer
Mitesh Chouhan
Chief Credit Officer
Juliet Nyambisa
Chief Risk and Compliance Officer
Mukund patel
Chief Information Officer

Victoria Commercial Bank PLC
is regulated by the
Central Bank of Kenya.
© Victoria Commercial Bank PLC
Ketaki D. Sheth

Chair of the Board

Ketaki Sheth has been with the Bank as a Director since 2002. She is a fellow of the Chartered Governance Institute (UK) and a Certified Public Secretary – Kenya.

Ketaki has immense experience in various areas of Corporate Law and Corporate Governance. She is the Chairlady of the Board of Directors at Victoria Commercial Bank PLC and a trustee of the VCB PLC Charitable Trust.
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Dr. Yogesh K. Pattni

Chief Executive Officer

Dr. Yogesh Pattni is a distinguished banking executive and the founding force behind Victoria Commercial Bank PLC, established in 1987. With an accomplished career spanning over 40 years, he has played a pivotal role in shaping the institution into a reputable and award‑winning financial organization.

A thought leader in the financial sector, Dr. Pattni has completed advanced executive training in Financial Institutions for Private Enterprise Development at Harvard Business School. His academic and professional credentials reflect a lifelong commitment to excellence, innovation and sector leadership.

As Executive Director and Chief Executive Officer, Dr. Pattni has spearheaded the bank's strategic growth and transformation, guiding it to achieve a balance sheet surpassing USD 500 million. His visionary leadership has enabled the bank to strengthen its market position, expand its portfolio, and deliver sustained value to clients, stakeholders, and shareholders.

Throughout his tenure, Dr. Pattni has been instrumental in crafting and executing long-term strategic direction, while fostering a culture of performance, operational discipline, and organizational agility. His leadership ensures that the Bank remains committed to service excellence, prudent governance, and continuous innovation in an evolving financial landscape.

In March 2026, Dr. Pattni, was appointed to the Advisory Board of Apolonia Investment Holdings Limited. Apolonia Investment Holdings Limited is a private investment holding company incorporated in the United Arab Emirates, with its headquarters in Abu Dhabi, operating under the Abu Dhabi Global Market (ADGM) framework. The Group serves as a strategic parent entity overseeing an integrated platform comprising investment holdings, regulated financial advisory, asset management, and wealth management. Founded by His Excellency Dr. Abdulrahman Al Ansaari under the patronage of His Highness Sheikh Mohammed Bin Maktoum Bin Juma Al Maktoum, Apolonia is positioned as a long-term capital partner operating across the Gulf Cooperation Council, with a clear mandate to connect capital flows between the corridors of Asia, the United Arab Emirates and Africa.
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Sylvano O. Kola

Non-Executive Director

Sylvano O. Kola is a founding member of the Bank. He is a visionary leader who strongly advocates that the only way towards growth is to be 'Customer Focused.'

Kola is currently a member of the Board Nomination and Remuneration Committee (BNRC) at Victoria Commercial Bank PLC and serves as a Non-Executive Director.
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Mihir Chalishazar

Non-Executive Director

Mihir Chalishazar is an accomplished and highly qualified Professional Chartered Accountant with over three decades of experience in the field of Finance and Accounting.

He is actively involved as a member of Tax & Trade Committee of Kenya Association of Manufacturers. He chairs the Board Audit Committee (BAC) at Victoria Commercial Bank PLC.
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Raminder B. Singh

Non-Executive Director

With over 25 years as Managing Director and Chief Executive Officer at various banks in Kenya, RB Singh has had phenomenal expertise of over five decades in various aspects of banking. This includes Operations, Corporate Governance, Strategy, Business Development, Mergers and Acquisitions amongst others.

He chairs the Board Credit Committee (BCC) at Victoria Commercial Bank PLC.
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Fiona Mungai

Non-Executive Director

Fiona Mungai is an investment professional with over 13 years' experience spanning through Private Equity, Venture Capital and Asset Management. She is a recipient of the London School of Economics Programme for African Leadership award and was featured in the Business Daily Top 40 Under 40 Women in 2021.

She is currently a member of Board Nomination and Renumeration Committee (BNRC) at Victoria Commercial Bank PLC.
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Caine Wanjau

Non-Executive Director

Caine Wanjau joins Victoria Commercial Bank PLC as a Non-Executive Director. He is a seasoned Kenyan technologist and entrepreneur with over 15 years of experience building digital infrastructure across agritech, banking, and public transport. He is best known for his leadership in scaling the technology operations, and his current role is in digitizing tax compliance in Africa.

Caine is a proponent of "long-term thinking" and solving real-world African problems through technology. He often speaks on the importance of human capital and the role of AI in transforming engineering workflows to build sustainable ventures.
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Amb. Macharia Kamau

Non-Executive Director

Holds an A.B. in History and Economics from the College of Wooster and an Ed.M. in Social Policy and Planning from Harvard University. He has a long and distinguished career, serving as the Principal Secretary for Foreign Affairs in Kenya from 2018 to 2022 and as the Permanent Representative to the United Nations in New York from 2010 to 2018.

Ambassador has also held numerous leadership roles at the UN, including President of the UNICEF Executive Board in 2014 and Chair of the Peacebuilding Commission in 2016. He has received several awards, such as the Chief of the Order of the Burning Spear in 2019 and the Elisabeth Haub Award for Environmental Diplomacy in 2015.

In addition to his professional work, he is the founder and president of Redhill Philanthropy and has been involved in local giving for orphanages and school construction.
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Dr. Yogesh K. Pattni

Chief Executive Officer

Dr. Yogesh Pattni is a distinguished banking executive and the founding force behind Victoria Commercial Bank PLC, established in 1987. With an accomplished career spanning over 40 years, he has played a pivotal role in shaping the institution into a reputable and award‑winning financial organization.

A thought leader in the financial sector, Dr. Pattni has completed advanced executive training in Financial Institutions for Private Enterprise Development at Harvard Business School. His academic and professional credentials reflect a lifelong commitment to excellence, innovation and sector leadership.

As Executive Director and Chief Executive Officer, Dr. Pattni has spearheaded the bank's strategic growth and transformation, guiding it to achieve a balance sheet surpassing USD 500 million. His visionary leadership has enabled the bank to strengthen its market position, expand its portfolio, and deliver sustained value to clients, stakeholders, and shareholders.

Throughout his tenure, Dr. Pattni has been instrumental in crafting and executing long-term strategic direction, while fostering a culture of performance, operational discipline, and organizational agility. His leadership ensures that the Bank remains committed to service excellence, prudent governance, and continuous innovation in an evolving financial landscape.

In March 2026, Dr. Pattni, was appointed to the Advisory Board of Apolonia Investment Holdings Limited. Apolonia Investment Holdings Limited is a private investment holding company incorporated in the United Arab Emirates, with its headquarters in Abu Dhabi, operating under the Abu Dhabi Global Market (ADGM) framework. The Group serves as a strategic parent entity overseeing an integrated platform comprising investment holdings, regulated financial advisory, asset management, and wealth management. Founded by His Excellency Dr. Abdulrahman Al Ansaari under the patronage of His Highness Sheikh Mohammed Bin Maktoum Bin Juma Al Maktoum, Apolonia is positioned as a long-term capital partner operating across the Gulf Cooperation Council, with a clear mandate to connect capital flows between the corridors of Asia, the United Arab Emirates and Africa.
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Azmina Pattni

Chief Business Officer | Deposits

At the helm of Victoria Commercial Bank's Deposits repertoire is Azmina Pattni. A seasoned professional with a proven track record and an extensive background in Operations, Business Development, Wealth Management and Treasury. Azmina has carved a niche as she guides and directs High Net Worth individual relationships, Institutional and Corporate Banking.

She shoulders the responsibility of overseeing the bank's comprehensive suite of deposit products. Her leadership style emphasizes collaboration and her unwavering focus on customer focus is unparalleled. Her amiable nature, strong commitment, and robust work culture are positives in her expansive portfolio that make her a force to reckon with.

Azmina provides overall leadership in the Business Development in Growing the Deposits book for the entire bank, unrivalled Customer Experience and creates long-lasting relationships through client networking.
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Hezron Kamau

Chief Finance Officer

Hezron Kamau is an accomplished finance executive with over 25 years of distinguished service to the Bank, during which he has built extensive expertise in financial leadership, strategic planning, liquidity management, capital optimization, budgeting, and funding management. Having served the Bank throughout his professional career, he possesses deep institutional knowledge and a strong understanding of the evolving financial services landscape.

In his capacity as Chief Financial Officer, he provides strategic leadership and oversight of the Bank's financial operations, including financial planning and analysis, balance sheet management, liquidity and capital adequacy, budgeting, regulatory reporting, and funding strategy. He has played a key role in strengthening financial governance frameworks, supporting sustainable growth, enhancing operational efficiency, and ensuring prudent financial stewardship in line with regulatory and stakeholder expectations.

Kamau is a Certified Public Accountant of Kenya (CPA-K) and a member of the Institute of Certified Public Accountants of Kenya (ICPAK). He holds a Bachelor of Science degree in International Business Administration (BSc) and a Master of Business Administration (MBA) in Corporate Management. He is currently pursuing a Doctor of Business Administration (DBA) at USIU-Africa specializing in leadership and change management, underscoring his commitment to continuous professional and academic development.

He is also a graduate of the Senior Leadership Management Program (SMLP), offered jointly by Strathmore University - Kenya and Nanyang Technological University - Singapore, which has further strengthened his executive leadership and strategic management capabilities.
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Poonam Shah

Chief Business Officer | Assets

A Senior Executive responsible for overseeing the business operations & strategy of the organization. Poonam provides overall leadership in the Business Development of Growing the Asset Portfolio and Trade Finance department, including supervising and managing the Environmental, Social & Governance initiative at Victoria Commercial Bank PLC.

With over 20 years banking experience, she joined Victoria Commercial Bank PLC in 2014 as a Senior Relationship Manager – Corporate to oversee the growth of the Bank's Corporate portfolio. In 2023, she was appointed Chief Business Officer – Assets to drive business in this key segment of the bank through her specialization and vast knowledge on relationship management.

She holds a Bachelor of Science Degree in Management Sciences from the University of Warwick and through her career has attended various training courses including executive leadership. She oversees a team of high performing Relationship Managers.

Poonam provides overall leadership in the Business Development in Growing the Assets and Trade Finance department at Victoria Commercial Bank PLC.
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Kalpesh Jotangia

Chief Operating Officer

A distinguished banking executive with over 30 years of experience, Kalpesh Jotangia holds an MBA in Banking and Finance and serves as a key driver of operational performance and strategic execution at Victoria Commercial Bank (VCB) PLC. He is widely respected as an accomplished individual, bringing institutional expertise, sound judgement and strong leadership to the Bank's Executive Committee and Institution at large.

He is recognised for a people-centred leadership approach that blends strategic clarity with a strong focus on execution. Kalpesh places emphasis on performance, accountability, and building empowered teams, enabling service improvement across the organisation. His proven ability to manage complex operational environments, champion customer-centricity, change management and advance digital transformation has strengthened VCB's operational resilience and enhanced service delivery standards.

A passionate advocate for digitization and innovation, he has played a key role in accelerating VCB's digital transformation journey. He continues to champion automation, process re-engineering, and technology-led efficiency across key areas, ensuring the Bank remains agile and future-ready.

He provides executive oversight for Branch and Central Operations, People & Organisational Development (POD), Security, and Digital Innovation, ensuring operational excellence remains closely aligned with the Bank's strategic priorities. As a key member of the Executive Committee, Kalpesh continues to drive operational performance, strategic transformation, and VCB's long-term growth and resilience.
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Mitesh Chouhan

Chief Credit Officer

Mitesh Chouhan has been working at the bank for nearly three decades, bringing extensive experience in various credit matters and related areas of banking. He holds overall responsibility for overseeing the institution's credit and lending activities.

Mitesh's role involves establishing and implementing credit policies and procedures, ensuring adherence to regulatory standards and best practices, and managing the organization's credit risk exposure. He supervises the credit analysis, underwriting, and approval processes, along with the monitoring and reporting of the credit portfolio's performance and quality.

He collaborates with other stakeholders, including external auditors, to provide strategic direction and guidance on credit-related matters. Mitesh provides overall leadership in the various departments such as Credit Administration, Credit Risk, Legal and managing the Environmental, Social & Governance and works closely with the Business Development Team at Victoria Commercial Bank PLC.
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Juliet Nyambisa

Chief Risk and Compliance Officer

Juliet Nyambisa is the Chief Risk and Compliance Officer at Victoria Commercial Bank PLC and a member of the Executive Committee (EXCO), effective 1st of May 2026. She is a seasoned risk and compliance professional with over a decade of experience in the Kenyan financial services sector, specialising in enterprise risk management, regulatory compliance, corporate governance, operational risk, data protection, and financial crime risk management.

Juliet joined Victoria Commercial Bank in August 2021 and was appointed Head of Risk and Compliance in July 2024. Over the years, she has played a pivotal role in strengthening the Bank's risk and compliance framework, and supporting the institution's ability to proactively identify, assess, and manage emerging risks in a dynamic regulatory environment. She has successfully led several strategic risk and compliance initiatives across the Bank, including regulatory engagement, enterprise risk management enhancement, data protection compliance, ESG risk integration, subsidiary governance oversight, and the implementation of robust risk monitoring and reporting frameworks.

Beyond her executive role, Juliet also serves as Chair of the Bank's Women's Committee, where she champions mentorship, professional development, and initiatives aimed at empowering women within the organisation. She is passionate about mentoring upcoming professionals and fostering an inclusive and supportive workplace culture.

Known for her sharp analytical and forward-looking ability, Juliet brings a practical and forward-looking approach to risk management. She is recognised for identifying critical risk and governance gaps that may otherwise go unnoticed, while ensuring that the Bank maintains high standards of regulatory compliance, operational resilience, and ethical conduct. Her leadership style is anchored on compassion, collaboration, accountability, and continuous improvement, reflecting her commitment to building a strong people & risk culture and supporting sustainable business growth.
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Mukund Patel

Chief Information Officer

Mukund Patel is the Chief Information Officer of VCB PLC and a member of the Executive Committee, effective 6th May 2026. In this role, he leads the bank's Information & Communication Technology, ICT Projects, Cyber Security, and Data Engineering functions, with executive responsibility for the bank's technology strategy, digital resilience, and data-driven transformation agenda, including the bank's enterprise AI adoption programme.

Mukund joined VCB PLC in 2011 and has spent 15 years shaping the bank's technology and security functions. He initially led the ICT Department, overseeing the bank's core technology operations and infrastructure modernization. In 2018, he was appointed Chief Information Security Officer, where he established and matured the bank's cyber security function, strengthened its defensive posture against an evolving threat landscape, and embedded security as a core pillar of the bank's operating model.

Mukund holds a Master's degree in Cyber Security from EC-Council University and is a Certified Information Security Manager (CISM). He is a member of ISACA, the global professional association for IT governance, risk, and cyber security professionals.
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