Josephine has extensive experience in tariff setting, developing regulations and designing solutions for financing the water and sanitation sector. She has assisted public utility companies to formulate project proposals for resource mobilization. Josephine holds a general MBA from Heriot Watt University, along with a BA in accountancy and finance. She is also a Chartered Global Management Accountant (CGMA), Fellow of CIMA (FCIMA) and Fellow of Zambia Institute of Chartered Accountants (FZICA).