Our Team

CEO’s office


Ms. Betty Wilkinson is the Chief Executive Officer of Financial Sector Deepening Zambia, a development organization committed to expanding financial inclusion and innovation. She is internationally recognized for her epertise, innovation, and achievement of durable reforms in financial inclusion and sector policy, the digital economy, small business development, governance, gender issues, and rural development. During over 30 years of professional experience worldwide Ms. Wilkinson has been an entrepreneur, banker, leading multilateral bank manager, field researcher, policy advisor, developing country government senior official, and volunteer. She engages globally with ministers, central bank governors, industry representatives, and leaders of development agencies, NGOs, think tanks, and communities to facilitate evidence-based innovation and change. Ms. Wilkinson uses her knowledge, experience, and networks to enable pro-poor inclusive growth, using a participatory, innovative style to engage key champions of reform, develop and manage successful teams, and ensure sustainable results.






Emily joined FSDZ as Executive Assistant to the Director in January 2016. In addition to providing professional and administrative support to the Director, Emily assists and supports the Director in carrying out high level program development, advocacy, negotiations, communications, coalition building, organisational leadership, management and fundraising.

Emily has a Bachelor of Arts degree in Public Administration/Economics from the University of Zambia, and is currently pursing an MBA in Finance. Prior to joining FSDZ, Emily worked as the Executive Assistant to the Secretary and Chief Executive at the Securities and Exchange Commission (SEC).






Measuring and Communicating Results

Jasper joined FSDZ in November 2013 as Monitoring and Results Measurement (MRM) manager and is now Head, Measuring and Communicating Results. His role supports MRM and communication strategies to improve and communicate results effectively both internally and to donors and stakeholders.

Jasper previously worked as a monitoring, evaluation and planning specialist at IFAD, supporting the Zambian Ministry of Finance’s Rural Finance Programme.

Jasper holds a degree in Mass Communications from the University of Zambia, a post-graduate qualification in Saving and Credit Cooperative Management, and is currently pursuing a Masters in Monitoring and Evaluation from the Open University of Tanzania.




John Musantu is the Monitoring and Results Measurement Senior Officer. In his role, John contributes to the development and implementation of the organization’s monitoring and results measurement system.

He has working experience in research, monitoring and evaluation and extensive knowledge about the Zambian financial sector through his work with development organisations, think tanks, research institutions and financial service providers over the years. John also commands excellent skills in statistical analysis packages such as Stata, Statistical package for social sciences and Eviews.

John possesses a master’s degree in Economics and Finance with distinction from University of Leeds, United Kingdom and a Bachelor’s of Arts Degree in Economics and Demography with merit from the University of Zambia.




Kingsley joined FSDZ as Monitoring and Results Measurement (MRM) senior assistant in October 2015. His role is to support the implementation of FSDZ activities through a strong MRM system that contributes to the delivery of improved results and impact.

He previously worked at Plan International Zambia where he was responsible for coordinating technical and operational support for programmes that included water and sanitation, HIV/AIDS, education, child protection and participation, and economic empowerment.

Kingsley is a graduate of the Copperbelt University and also holds a certificate in Planning, Monitoring and Evaluation from the University of Zambia.





Taylor joined FSDZ as the Digital Communications Officer in January 2016. Taylor works with staff in all focal areas, and with FSDZ consultants to design and implement a communications strategy for publications, events and the organization as a whole. Taylor manages FSDZ’s online presence in the form of social media, blogging, and website maintenance and works with media to cultivate and maintain FSDZ’s relationships with key stakeholders. In July 2017, Taylor expanded her role and spends part of her time as the project officer for the Women’s Financial Capabilities and Inclusion (WIN) team.

Taylor is a 2013 graduate of the University of Minnesota – Twin Cities. Prior to moving to Lusaka, Taylor worked as the Communications Coordinator for Planning Change in New York City.





Nkatya joined FSDZ as Communications Officer in March 2016. Nkatya works with expert staff to implement a communications strategy for interventions and projects in all focal areas. He also supports management in effective internal communications and leads media relations for FSDZ. Nkatya holds a Master’s in International Relations from Università Cattolica del Sacro Cuore in Italy.

Prior to joining FSDZ, Nkatya worked as a Marketing Communications Fellow for Alzheimer’s Services of the East Bay in California.






 Research, Information and Policy 


Chishala Lukwesa Siame joined FSDZ in June 2017 in a newly created role of Knowledge Manager. For Chishala this is a perfect fit as she enjoys making anything data-related, useful. She is responsible for overseeing the generation of information from research into knowledge and ensuring it is appropriately packaged, and provided timely to the right audience in order to influence change in market behavior. She works closely with all FSDZ focal teams to oversee the production, publication and dissemination of knowledge from activities implemented by FSDZ. Chishala also brings to the role, programme management, and monitoring and evaluation experience.

Chishala holds an MSc. in Information Systems from Rhodes University and a BSc. in Computer Science from the Copperbelt University. She is also a Microsoft Certified Professional.





irma_fsdz_staffIrma has been FSDZ’s Research Manager since 2014, supporting all areas of their research projects with technical advice. She has more than 30 years of development research experience and has managed national studies on financial inclusion in 16 African countries.

Irma is also an accomplished statistician with a Master’s degree in population statistics from the University of Pretoria, South Africa.






Financial Services

Lemmy is the Head of Financial Services and had previously managed FSDZ’s insurance work since 2013, focusing on developing an inclusive insurance market in Zambia through the development of microinsurance solutions. He is an independent international development consultant with more than 15 years professional experience spanning Africa, Asia and Europe, specialising in financial inclusion, microfinance, microinsurance, private sector development, business development services, value chain development, market development and small enterprise development.

Lemmy is also a shareholder, partner and director of a management consultancy firm in Zambia providing technical assistance and management services to local and international developmental organizations and private sector companies. Lemmy holds a Master’s in International Development from the University of Manchester in the United Kingdom and a BA in Economics and Demography from the University of Zambia.




Rural Finance

Joackim joined FSDZ in May 2016 as Rural Agriculture Finance (RAF) Project Manager. His role is to provide results-oriented leadership in designing, implementing and managing a project to facilitate outreach of financial products and services to smallholder farmers and rural households.

Joackim previously worked as Economic Empowerment Advisor; Livelihood and Food Security Assistance Technical Specialist/Country Manager at FHI360. Joackim holds a MA degree in Development Studies (major in Enterprise Development) from University of the Free State in South Africa and a BSc degree in Land Economy from Copperbelt University.





Savings Groups

Chipili Mwaba
Chipili Joined FSD Zambia in August 2016 as Senior Officer for Savings Groups. Her role involves Management of the Savings Group Technical Portfolio including partnership relationship management, funding process design and project process management and accountability

Her career in development work began at World Vision Zambia in 2008 where she worked as a Development Coordinator then moved to be a Design, Monitoring and Evaluation Officer on a Grant that focused on Economic development. Prior to her moving to FSDZ, she was a Program Officer for Savings groups at the World Vision Southern Africa Regional Office supporting 8 countries in Savings Groups and Management Information System.

Chipili holds a bachelor of Arts degree in Development Studies/Public Administration obtained from the University of Zambia and she is currently pursuing a Masters in Project Management.




Mauwa Yondela Lungu, is currently the Project Manager for Inclusive insurance at FSDZ. Her role is to provide results oriented leadership in designing implementing and managing interventions aimed at increasing access to insurance for low income individuals. She has eight years of professional insurance experience with two of the largest insurance companies in Zambia, namely ZSIC Life and African Life (now SANLAM) and has a long record of accomplishment of running insurance projects and establishing new markets and distribution channels for the insurance industry. Mauwa has been involved hugely in the design and pricing of insurance products on the market in collaboration with external actuaries and has impressive insurance and microinsurance knowledge.

Mauwa holds a Master’s Degree (MSc) in Economics and Finance from the University of Lusaka and has a bachelor’s degree in Demography and Economics from the University of Zambia. She is currently pursuing a professional certificate in Actuarial Science with the Faculty and Institute of Actuaries in Edinburgh.




SME Finance

Jimmy joined FSDZ as the SME Finance Project Manager in April 2016. His role entails updating knowledge and understanding of the SME Finance landscape in Zambia and devising strategies to dismantle the constraints that limit SMEs’ access to financial services. FSDZ works closely with financial service providers, industry associations and other stakeholders to build capacity at both institutional and staff levels. By managing and building relationships with industry partners, Jimmy is instrumental in developing and implementing FSDZ’s strategy in SME Finance.

His career includes Accountancy, Internal and External Audit, Consultancy and over eight years SME banking experience.

Jimmy is a graduate in Accountancy from the Copperbelt University. He is also a Chartered Accountant and a Fellow of the UK’s Association of Chartered and Certified Accountants (ACCA) and a professional member of the Zambia Institute of Chartered Accountants (ZICA).



Tom joined FSDZ as the SME Finance Project Manager in May 2017. His role entails updating knowledge and understanding of the SME Finance landscape in Zambia and devising strategies to dismantle the constraints that limit SMEs’ access to financial services. Prior to joining FSDZ, Tom worked in the banking industry for thirteen years and gathered a lot of experience in SME and Corporate Relationship Management as well as Credit. At the time of leaving the banking industry, he held a role of Regional Head – Copperbelt.

Tom holds a Master of Business Administration (MBA-Finance) and Bachelor of Science in Banking and Finance degrees from the Copperbelt University.




Women’s Financial Capabilities and Inclusion (WIN)

Veyrl Adell is the Head of Women’s Financial Capabilities and Inclusion of Financial Sector Deepening Zambia, a development organization committed to expanding financial inclusion and innovation. She is a gender and youth economist with close to 20 years’ experience in designing and leading implementation of gender and youth inclusive business models and strategies. She has worked across Africa leading economic and social empowerment for youth and women across various sectors such as finance, trade, sustainable energy, education, supply chain, health, agriculture, policy, climate resilience and making markets work for the poor (M4P) amongst others. She has held several regional positions and worked from policy to grassroots levels providing evidence based information and training to influence global, regional, national and local policies and practices on gender and youth inclusion. Veyrl lived and worked in Rwanda between 2009 and 2013, and has continued to support regional programming in Rwanda. Most recently she held the position of Regional Associate Director, economic empowerment with Women for Women international, where she led in curriculum review and development of the economic empowerment platforms across in DRC, Nigeria, South Sudan and Rwanda. She led in the development of new business models and developed training modules for field staff on various topics on women’s economic and social empowerment. She has held several consulting positions at regional and local levels.



Tendai joined FSDZ as Women’s Financial Capabilities and Inclusion (WIN) Programme Assistant in February 2017. Her role is to provide support to the Head of WIN, in day to day implementation of projects by partners. She has previous experience working with women, children, refugees, volunteering and research. Before joining FSDZ,Tendai was managing a mother and child health project. She was responsible for planning, budgeting, reporting, monitoring, needs assessments, communication with partners and formulation of new project opportunities.






Digital Financial Services

Nandini is a digital finance technical specialist, responsible for the implementation ofthe United Nations Capital Development Fund (UNCDF) Mobile Money for the Poor (MM4P) country strategy in Zambia. UNCDF has partnered with FSDZ, where she leads a team focused on increasing financial inclusion through digital finance.

She previously worked in several roles at the United States Agency for International Development (USAID), including as a founder member of its Digital Development Division where she launched the Portfolio Acceleration initiative, which aims to advance USAID’s development objectives in agriculture, humanitarian assistance and power using digital financial services. These and other roles in the public and private sectors have enabled Nandini to bring people from different backgrounds together to craft innovative solutions to development challenges.

Nandini has a MBA and Master’s in International Trade and Investment Policy from the George Washington University. She also holds a BS in Psychology and a BA in Political Science from the University of California at San Diego.



Charity Luchembe Chikumbi received an MBA from Nelson Mandela Metropolitan University and holds a BSc in Computing (Hons.) from Greenwich University and a Higher Diploma from IMIS.

She worked as a central banker at Bank of Zambia for many years in various divisions including twelve years as an Analyst in Payment Systems. Her roles in Payment Systems Division ranged from operations of the RTGS and oversight of the National Payement Systems with a view of ensuring that all payments systems, and all other Digital Financial Services adhered to the prescribed regulations and that they observed international best practises. She was also responsible for building, maintaining a database for all designated institutions that operate in the Payment Systems and Digital Financial Services space and making these statistics available to stakeholders.

Currently, she is the Policy Advisor at FSDZ and works on policy and regulatory support and undertakes the full range of activities related to advocacy and implementation support of new policies, practices and regulations for digital finance in Zambia by supporting the Bank of Zambia (BoZ), Ministry of Finance (MoF), Zambian Information and communications, technology Authority (ZICTA) as well as other government entities interested in digital finance.


Finance and Operations

Nkatya joined FSDZ in June 2015. As Chief Operating Officer, she is responsible for managing FSDZ’s finance and operations team, providing guidance, control and oversight in matters related to finance, administration, procurement, contracting and operations. She is also responsible for human resources management.

Her career has included professional, consultancy and training roles in the private and development sectors in both Zambia and Botswana.

Nkatya has a Master’s in Business Administration from the University of Derby, UK, and a post-graduate Diploma in Human Capital Management. She is a Chartered Accountant and a Fellow of the UK’s Association of Chartered and Certified Accountants (ACCA) and a professional member of the Zambia Institute of Chartered Accountants, the Botswana Institute of Chartered Accountants, and the Zambia Institute of Human Resource Management.




Muyunda_fsdz_staffMuyunda joined FSDZ in May 2016 as Finance Manager, and is responsible for financial management, budgeting and reporting.
She has over 10 years post qualification experience in both the INGO sector and external audit having previously worked for PricewaterHouseCoopers, SNV Netherlands Development Organisation and WorldFish. She is passionate about organisations that seek the betterment of people in the communities in which they serve.

Muyunda is a member of the Association of Chartered Accountants and Fellow Member of the Zambia Institute of Chartered Accountants. She is currently pursuing as Masters in Project Management with the University of Lusaka.






Lillian joined FSDZ in 2013 at the birth of the organization as part of the administration team and is now the project’s Procurement Manager. Lillian is responsible for ensuring compliance with all FSDZ procedures and policies on procurement, and works with all departments providing support, guidance, control, and sound oversight to ensure procurement of goods and services is achieved to project timelines.

A graduate in Business Administration (BBA) from the Copperbelt University, Zambia, Lillian’s professional career spans over 15 years working for various organizations including the United Nations World Food Programme, the Common Market for Eastern and Southern Africa, and two USAID funded projects.





Edward joined FSDZ on 1st December 2016 as Finance & Procurement Officer and is responsible for transactional processing and reporting of finance and procurement transactions. Before joining FSDZ Edward worked for Plan International Zambia, Family Health International (FHI360) and Wildlife Conservation Society. He is currently pursuing the Zambia Institute of Chartered Accountants (ZICA) Licentiate program.







Pellie is FSDZ’s Senior Operations Assistant. In this role she assists staff and visitors with travel planning and procedures, supports FSDZ event planning, coordinates office maintenance activity, orders and maintains stocks of office supplies, takes staff meeting minutes, initiates administrative procurements, coordinates IT support and provides general operational support to the whole team.







Lucy joined FSDZ in December 2015 as an administrative assistant. Her role is to provide general administrative support to technical and operations teams, including travel administration, events management, finance and procurement support.

She is a graduate in Business Management and Information Technology from the Catholic University of Zimbabwe.







Warren joined FSDZ in June 2013 as a logistician/driver. Working within Operations Department, Warren’s responsibilities include maintaining FSDZ vehicles to a high standard, ensuring safe transportation of people and resources, and providing administrative support as required.








Clifford  joined FSDZ in August 2013 as a logistician/driver. Working within Operations Department, Clifford’s responsibilities include maintaining FSDZ vehicles to a high standard, ensuring safe transportation of people and resources, and providing administrative support as required.

Before joining FSDZ, Clifford worked for Laminex Industries and Proflight.

He completed his secondary education at Sanje Secondary School in Lusaka.