Board Members - Heritage Health Fund


Douglas Bowl (47) - Non Executive Chairman

Douglas is a consultant who, with experience spanning some 30 years, has a strong background and understanding of the operations and requirements of many of the components of the markets of Central and Southern Africa.  A highly qualified professional, holding an MBA, FIRM, CISA and ACII, Douglas has experience in the corporate, medium sized business, and indigenous (small and large) sectors, with significant exposure to financial services (insurance and banking), FMCG, hardware and building supplies retail, hospitality and manufacturing, with contacts across the spectrum, and with exposure from the inside and outside at both consultancy and Senior Executive level.  Douglas has facilitated cross-border payment transaction systems (from early stages through to completion,) for both formal and unbanked consumers, and has been involved directly and indirectly in retail banking through EFTPOS and mobile (cellular phone) banking solutions.  His consultancy work has included, inter alia, research and implementation of CRM systems, procurement systems, business valuations, risk management projects (both technical and managerial), strategic planning, indigenization and business turnaround.  He is also a registered Estate Administrator and works with liquidations and deceased estates.  He is familiar with project management techniques (technical and man-management), and has highly developed analytical, reporting and presentation skills.  His work also includes a focus on risk management, supply chain management and information systems best practice.  He currently sits on the boards of several organizations.

George Timothy Makings (65) - Non Executive Director

George has been involved in a full range of Labour Law, Industrial Relations and Human Resource activities for a period of 30 years.  He has extensive experience in Labour Dispute Resolution, Arbitration, Mediation, Negotiations, Project Management, generalised Human Resource Consulting and Training.  He is a leading Industrial Relations Consultant in Zimbabwe having run his own consultancy in the field from 1986 to 2003.  He had an extensive client base that he consulted for on an ad hoc basis and had approximately twenty-five medium to large companies that he provided advice to on a retainer contract basis including such organisation like Meikles where he looked after the labour interests of the Group. George is a qualified Legal practitioner who holds an LLB (London & Zimbabwe), is a fellow of the Institute of People Management in Zimbabwe (and also its former president), a member of the Bar association of Zimbabwe (as an advocate for the High Court of Zimbabwe) and he is also a fellow of the Institute of Arbitrators (UK).

Simbarashe Mupandanyama (38) - Non Executive Director

Simbarashe is the Group CEO for Broadway Investments. He joined the Group in May 2010. He also worked for Pricewaterhouse Coopers Zimbabwe as a Management Consultant from 1997-2001. He left Pricewaterhouse Coopers to form his own company, Kinetic Business Consultants before he joined Broadway Investments. He holds a degree in Applied Mathematics from the National University of Science and Technology (NUST).


Gesham Mutero - Managing Director

Gesham Mutero is a seasoned insurance practitioner. He has been in the industry for 20 years having worked for Fidelity Life Assurance as an internal auditor, Zimnat Life Assurance as an Executive Financial Advisor and has spent 12 years as a Senior Executive Financial Advisor with Old Mutual. He is a member of The Million Dollar Round Table. He has been Old Mutual’s Top Financial Advisor for 6 consecutive years and has received awards in New York, Las Vegas, Hong Kong and Beijing. He is a holder of 3 degrees, of which two of them are Masters Degrees (Msc in Strategic Management with Chinhoyi University of Technology and a Masters of Commerce in Marketing Strategy with Midlands State University). He is doing a Doctorate Degree with a South African University. He believes winning is part of his DNA. A devout Christian, married and blessed with three children.