Our Governance & Leadership

JOSEPH F. NGOWI

Chief Accountant – MRT SACCOS LTD

Joseph F. Ngowi is an accomplished accounting and finance professional with extensive experience in accounting, auditing, financial management, compliance, and cooperative financial operations. He currently serves as the Chief Accountant of MRT SACCOS LTD, a position he assumed in March 2026 following his demonstrated commitment, professional competence, and strong performance in the organization.

Joseph joined MRT SACCOS LTD in June 2022 as an Assistant Accountant, where he played an important role in supporting the organization's accounting and financial management functions. Through his dedication, accuracy, integrity, and consistent performance, he progressively demonstrated the capacity to take on greater responsibilities, leading to his appointment as Chief Accountant.

Before joining MRT SACCOS LTD, Joseph built a strong professional foundation through several years of experience in accounting and auditing. He served with the Co-operative Auditing and Supervision Corporation (COASCO), Kilimanjaro, where he worked as an Assistant Auditor Officer. In this role, he was involved in planning and conducting audits of cooperative societies and other organizations, preparing financial statements, bank reconciliations and accounting records, reviewing internal controls, providing accounting and taxation advisory services, and presenting audit findings and financial reports to Boards and Annual General Meetings.

His earlier professional experience also includes working with the Tanzania Revenue Authority (TRA), Ilala Tax Region, as a Revenue Officer, where he gained practical exposure to taxpayer registration, financial statement examination, tax assessment, and taxpayer verification. He also served as an Assistant Accounting Officer at Tanzania Youth and Dignity (TAYODI), where he was involved in project budgeting, financial planning, accounting records, and financial reporting.

Academically, Joseph holds a Bachelor of Commerce in Accounting (BOCA) from the University of Dar es Salaam Business School (UDBS), completed between 2011 and 2014. His academic training provided a broad foundation in financial accounting, auditing and assurance, taxation, business finance, corporate governance, economics, business law, and information systems. He has also pursued professional accounting development through the National Board of Accountants and Auditors (NBAA), where he is registered at the Intermediate Level.

Throughout his career, Joseph has developed competencies in financial management, auditing, managerial accounting, strategic planning, management information systems, budgeting, financial reporting, monitoring and evaluation, and business communication. He is also experienced in the use of Microsoft Office applications, including Excel, Word and PowerPoint, which support his analytical, reporting, and financial management responsibilities.

As Chief Accountant at MRT SACCOS LTD, Joseph is committed to promoting sound financial management, accountability, transparency, effective financial reporting, and strong internal financial controls. His professional approach is anchored in integrity, accuracy, teamwork, continuous learning, and results-oriented leadership.

With a career that combines accounting, auditing, taxation, cooperative sector experience, and financial management, Joseph brings to MRT SACCOS LTD a valuable blend of technical expertise and practical experience. His professional journey reflects a continued commitment to learning, leadership, and contributing to the sustainable growth and financial strength of the organization.

Marcel Octavian Munishi is an Information Technology and Information Security professional with over 14 years of experience in ICT operations, technical support, systems administration, and information technology within institutional environments. He currently serves as an IT Technician at MRT SACCOS Ltd, where he is responsible for supporting ICT operations, systems, users, and technology infrastructure to ensure reliable, secure, and efficient service delivery.

He holds a Master of Information Security from the Institute of Accountancy Arusha (IAA), a Bachelor of Science in Computer Science from Mwenge Catholic University (MWECAU), a Diploma in Information Technology, and a Certificate in Library and Information Systems from Moshi Co-operative University (MoCU).

Before joining MRT SACCOS Ltd, Marcel gained extensive professional experience at Stefano Moshi Memorial University College (SMMUCO) and its affiliated institution, where he served in various technical, administrative, and ICT-related roles. His experience includes IT technical support, systems administration, computer laboratory management, website administration, ICT training, academic systems support, and institutional technology operations.

His professional areas of interest and expertise include Information Security, Cybersecurity, ICT Infrastructure, Systems Administration, Network Technologies, Information Systems, IT Support, and Digital Transformation. He is committed to leveraging technology and information security practices to enhance operational efficiency, protect information assets, and support reliable digital services.