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Joseph Njuguna has a strong career in the banking industry, with their most recent position being Chief Executive Officer at Rafiki Microfinance Bank since October 2021. Prior to that, they held various leadership roles at Consolidated Bank of Kenya Limited, including Head of Finance and Administration starting in August 2005 and later transitioning to the role of Head of Finance in December 2007. With over 20 years of experience in finance and senior management, Joseph brings a wealth of knowledge and expertise to their roles.

Joseph Njuguna obtained their Bachelor of Commerce - BCom degree with a specialization in Bachelor of Commerce Accounting option from the University of Nairobi, where they studied from 1992 to 1996. Additionally, they pursued a Certified Public Accountant qualification from the Institute of Certified Public Accountants of Kenya - ICPAK, although the specific start and end dates are unknown. Joseph furthered their education by pursuing a Master of Business Administration - MBA degree with a focus on Strategic Management from the University of Nairobi. Again, the specific dates for this degree are not provided.