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JM Ndawula has a solid work experience in the finance industry. They worked at Africa Finance Corporation from 2016 onwards, holding positions such as Associate VP, Financial Institutions and Trade Finance, as well as Senior Associate, Trade Finance and FI Lending. Prior to that, they spent several years at Citi, where they held various roles including Head of Trade Product. They also worked as a Citi Transaction Services Analyst, Credit Risk Analyst, Management Associate, and Business Information Security Officer.

JM Ndawula completed a Bachelor's degree in Statistics, Mathematics, and Computing at Makerere University from 2004 to 2007. They then pursued a Master of Business Administration from Edinburgh Business School, Heriot-Watt University, from 2015 to 2017. Most recently, from 2019 to 2021, they obtained an MSc. in Finance with a specialization in Financial Sector Management from SOAS University of London.