Kutiyo Gutema

Kutiyo Gutema has extensive experience in the financial industry, holding various roles in risk management and bank examination. Currently, at Zemen Bank S.C., Gutema serves as the Manager of the Risk Management Division, where responsibilities include preparing annual plans and guiding subordinates in risk assessments. In the past, Gutema worked at the National Bank of Ethiopia as an Assistant Examiner, participating in supervisory roles and conducting onsite examinations. Educational background includes a Bachelor's degree in Accounting and Finance from Arba Minch University, a Master's degree in Finance and Investment from Mekelle University, and currently pursuing an MSc in International Business with a specialization in Strategic Investment Management from Addis Ababa University.