Esther Chibesa

Managing Director – Sub Saharan Africa Treasury and TradeSolutions Head at Citigroup

Esther Chibesa is the Managing Director, Treasury and Trade Solutions (TTS) Sub-Saharan Africa Head. She leads Citi’s TTS business in the region across 11 presence countries.

Esther joined Citi in 2000 as a Management Associate in Citibank Kenya and grew in various capacities within Operations, Banking, Risk, and Product Management. During her time, she has worked in Kenya, Uganda Tanzania and Zambia, catalyzing teams in developing various innovative solutions for our clients. She is an alum of University of Botswana (First Class Honors), and holds an MBA from Heriot Watt Business School, Edinburgh University.


In her roles within the organization, she has championed the development of several innovative solutions for our Corporate and Institutional clients such as fully integrated tax & fiscal collections systems, receivables digitization solutions, automated mobile money channels and settlement processes, and enhanced, digitized trade and supply chain solutions.


She is currently leading strategic projects within the firm, that seek to transform Citi’s digital platforms across Sub-Sahara Africa, to offer solutions that will see significant advances in payments infrastructure. Esther was instrumental in the setup and development of the mobile money ecosystem in Zambia, working with a mobile money operator and the banking regulator to help define the terms of engagement between various players in the then nascent sector.


Esther is currently driving Citi’s SSA strategy to develop a cross border, multi-entity, omni-channel ecosystem, which has the potential to transform our client experience in coming years.


She is passionate about fintech and its ability to positively influence and transform financial services.

© 2020 by Kenya Bankers Association

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