Job Title: independent non-executive director
Company: Kenya Mortgage Refinane Company (KMRC)
Bernadette Mutuku is an independent non-executive director at Kenya Mortgage Refinane Company (KMRC).
She most recently served as chief financial officer at Centum Real Estate from July 2023 to April 2026. Prior to that, she was group CFO at CMC Motors Group, where she provided financial leadership across Kenya, Uganda, and Tanzania from March 2021 to June 2023.
Bernadette spent close to a decade at Diageo as reporting manager at the Africa Business Services Centre in Nairobi, overseeing financial management and reporting for Diageo's Africa markets. Before that, she held financial controller and head of finance roles at East African Breweries subsidiaries, including Serengeti Breweries in Tanzania and Uganda Breweries, spanning 15 years in total at the EABL group.
She began her career as an external auditor at PwC Kenya in 1991, before joining East African Breweries as senior internal auditor in 1995.
Bernadette holds a BSc in mathematics and chemistry from Kenyatta University and has completed the Advanced Management Programme at Strathmore Business School in partnership with IESE Business School.
Work
Jul 2023 – Apr 2026: chief financial officer, Centum Real Estate
Mar 2021 – Jun 2023: group chief financial officer, CMC Motors Group
Mar 2020 – Feb 2021: finance director, East African Maltings (EABL)
Dec 2012 – Mar 2020: reporting manager, Africa Business Services Centre, Diageo
Nov 2010 – Nov 2012: financial controller, Serengeti Breweries (EABL)
Oct 2006 – Aug 2010: head of finance, Uganda Breweries (EABL)
Jan 2002 – Oct 2006: decision support manager, EABL
Sept 1995 – Dec 2001: senior internal auditor, EABL
Aug 1991 – Aug 1995: external auditor, PwC Kenya
Education
2007: Advanced Management Programme, Strathmore Business School & IESE Business School
1988 – 1991: BSc (Mathematics and Chemistry), Kenyatta University
Kenya Mortgage Refinance Company
Kenya Mortgage Refinance Company (KMRC) is a state-backed financial institution established to provide long-term funds to primary mortgage lenders in Kenya. It was set up to deepen access to affordable home ownership by enabling banks and saccos to offer long-term, low-cost mortgage financing.
