Musata Ndhlovu is an experienced non-executive director with a background in law, insurance and risk management. She has a proven track record of improving governance structures, introducing innovative strategies, and enhancing overall organisational performance. She is currently serving on the Board of Phoenix of Zambia Assurance (2009) Limited and is the chairperson of the Audit and Risk Committee. She has previously served on the Finance, Human Resource and Administration Committee of the Energy Regulations Board, served as a non- executive director and vice chairperson of the National Savings and Credit Bank (NATSAVE) Board of Directors and was a Board Member at the Ministry of Tourism Hostels Board of Management (HBOM) where she chaired the Audit, Risk, Compliance and Corporate Governance Committee. She is currently a practicing Lawyer and was previously the Head of the Legal Department at Professional Life Assurance Limited and Company Secretary of the PLA Pension Trust Fund.