Josephat is a career banker with 17 years of experience in banking having worked at the Co-operative Bank of Kenya before joining Kingdom Bank. He has a master’s degree in Banking and Finance from Moi University and has a bachelor’s degree in Education (Science) from Egerton University. He has vast experience in Credit having worked in credit-related departments throughout his career. He has been involved in the implementation of two core banking systems as a Credit Subject Matter Expert.