Our Board & Management

An accomplished banking and business executive with over two decades of professional experience spanning banking operations, internal audit, strategic management, customer experience, project management and business development. Prior to his current appointment, he served as the Bank's Head of Customer Experience and Strategic Initiatives / Acting Head of Operations, where he played a pivotal role in enhancing operational efficiency and driving customer-centric initiatives.

Key Responsibilities

• Provides strategic leadership and overall direction for the Bank in alignment with board policies, regulatory guidelines, and institutional goals.
• Oversees all banking operations, ensuring operational efficiency, regulatory compliance, financial sustainability, and risk management.
• Represents the Bank in engagements with regulators (e.g., CBN, NDIC), stakeholders, and external partners, while ensuring timely reporting and governance compliance.

Educational Background

• Postgraduate Diploma (Distinction) in Nutrition and Food Science – University of Calabar
• Higher National Diploma (Distinction) in Food Technology – Yaba College of Technology
• National Diploma (Distinction) in Food Technology – Yaba College of Technology

Certifications

• Microfinance Certified Banker (MCB)
• Fundamentals of Risk Management (UNITAR)
• AI Mastery Certifications

Professional Memberships

• Chartered Institute of Bankers of Nigeria (CIBN)
• Association of Chartered Certified Accountants (ACCA), UK

Career Progression

Brings over 15 years of experience from the commercial banking sector. Joined the Bank as Head of Customer Experience and Strategic Initiatives, progressed to Head of Operations, before his current appointment as Managing Director/CEO.

Key Responsibilities

• Oversees independent reviews of the Bank's financial, operational, and compliance processes to ensure adherence to internal policies and regulatory requirements.
• Identifies control weaknesses, operational risks, and policy breaches, and recommends corrective actions to enhance accountability and efficiency.
• Reports audit findings to Management and the Board, and monitors the implementation of approved audit recommendations.

Educational Background

• B.Sc. in Public Administration – University of Calabar
• Intermediate Certificate in Banking and Finance

Certifications

• Microfinance Certified Banker (MCB)
• New Product Development, Assets Acquisition (IPPIS) and Techniques on Market Penetration
• AI Mastery Certifications

Professional Memberships

• Chartered Institute of Bankers of Nigeria (CIBN)
• Financial Reporting Council of Nigeria (FRN)
• Chartered Institute of Public Diplomacy and Management (SMIPDM)
• Chartered Institute of Administration (ACIA)
• Chartered Management Institute (ACMI)
• National Association of Microfinance Banks (NAMB)

Career Progression

Has held several key positions at First Royal Microfinance Bank, including Head of Operations, Coordinator of Marketing and Business Development, Chairman of strategic committees, and Acting Managing Director from 2016 to 2018, prior to her current role.

Key Responsibilities

• Oversees daily banking operations across all branches, ensuring efficiency, compliance, and adherence to internal control procedures.
• Manages transaction processing, cash operations, and customer service delivery in line with regulatory standards and service-level expectations.
• Coordinates operational policy implementation, system upgrades, and supports audit readiness and risk mitigation across the Bank's operational functions.

Educational Background

• B.Sc. in Accounting – University of Calabar
• OND in Financial Studies – AKS Polytechnic

Certifications

• Microfinance Certified Banker (MCB)
• New Product Development, Assets Acquisition (IPPIS) and Techniques on Market Penetration

Professional Memberships

• Chartered Institute of Bankers of Nigeria (CIBN)
• Financial Reporting Council of Nigeria (FRN)

Career Progression

Progressed through Customer Service, Internal Audit and Compliance, Administration, Credit, and Risk, and served as Paying Teller, Secretary, Finance Officer, and Branch Manager (Akamkpa Branch), before his current appointment as Head of Finance.

Key Responsibilities

• Oversees the Bank's financial planning, reporting, and budgeting processes to ensure accuracy, transparency, and compliance with regulatory standards.
• Manages liquidity, treasury operations, and general ledger functions to support sound financial management and sustainability.
• Prepares statutory financial reports and coordinates audits in line with CBN, NDIC, and other regulatory requirements.

Educational Background

• H.N.D in Business Administration – The Polytechnic, Calabar
• PGD in Management – University of Calabar

Certifications

• Microfinance Certified Banker (MCB)
• New Product Development, Assets Acquisition (IPPIS) and Techniques on Market Penetration
• Comprehensive Microfinance Banking
• AI Mastery Certifications

Professional Memberships

• Chartered Institute of Bankers of Nigeria (CIBN)
• Microfinance Certified Practitioner (MCP)
• Chartered Institute of Public Diplomacy and Management (CIPDM)

Career Progression

Began her banking career at First Royal Microfinance Bank as a Supervisor and has held several key positions including Head of ICT, Head of Internal Audit/Compliance, Acting MD/CEO, and Head of Operations before her current role as Head of Credit.

Key Responsibilities

• Oversees the Bank's ICT infrastructure, including system administration, network security, core banking software, and digital platforms.
• Ensures the availability, reliability, and security of IT systems to support banking operations and regulatory compliance.
• Leads ICT strategy development, implementation of technology upgrades, and alignment of IT solutions with business goals.

Educational Background

• PGD in Artificial Intelligence and Machine Learning – University of Texas, Austin, USA
• B.Sc. in Public Administration – National Open University, Nigeria
• M.Sc. in Computer and Network Security – Middlesex University Hendon, London
• B.Sc. in Information Technology and Business Information Systems – Middlesex University Hendon, London
• Advanced Diploma in Software Engineering – APTECH Education, Calabar

Certifications

• Microfinance Certified Banker (MCB)
• Innovation and Information Technology Management
• Microsoft Certified Technology Specialist (MCTS)
• Microsoft Certified IT Professional (MCIP)
• Microsoft Certified Professional (MCP)
• Financial Modelling and Valuation Analyst (FMVA)
• Certified in Cyber Security

Professional Memberships

• Chartered Institute of Bankers of Nigeria (CIBN)

Career Progression

Joined First Royal Microfinance Bank as Head of ICT and currently serves in that capacity, and has also been appointed Chief Information Security Officer.

Key Responsibilities

• Oversees the Bank's administrative and human resource functions, including facilities management, procurement, logistics, staff welfare, and recruitment.
• Ensures compliance with internal policies and regulatory standards while promoting a productive and secure work environment.
• Manages support staff performance, handles HR policy implementation, and provides strategic support for non-core banking operations.

Educational Background

• B.Sc. in Policy Studies and Administration – University of Calabar

Certifications

• Microfinance Certified Banker (MCB)
• New Product Development, Assets Acquisition (IPPIS) and Techniques on Market Penetration

Professional Memberships

• Chartered Institute of Bankers of Nigeria (CIBN)

Career Progression

Began her banking career as a Business Development Officer II, progressed to Receiving Teller and Supervisor, Branch Manager (8 Miles Branch), Risk Officer, and Unit Head of the Funds Transfer Unit, before her current appointment as Head of Operations.

Key Responsibilities

• Oversees the credit portfolio of the Bank, ensuring sound credit appraisal, approval, and monitoring in line with regulatory guidelines.
• Develops and enforces credit policies, risk assessment frameworks, and loan recovery strategies to maintain portfolio quality.
• Coordinates credit operations across branches and ensures compliance with internal controls, CBN regulations, and risk mitigation standards.

Educational Background

• B.Sc. in Statistics – University of Calabar

Certifications

• Microfinance Certified Banker (MCB) (in view)
• New Product Development, Assets Acquisition (IPPIS) and Techniques on Market Penetration

Professional Memberships

• Chartered Institute of Bankers of Nigeria (CIBN) (in view)

Career Progression

Began her banking career as a Business Development Officer II and progressed through Supervisor, Financial Officer, and Marketer, before her current appointment as Head of Marketing.

Key Responsibilities

• Develops and executes marketing strategies to drive customer acquisition, brand awareness, and product penetration across target markets.
• Oversees the design and promotion of financial products tailored to customer needs, in alignment with the Bank's strategic objectives.
• Leads market research, campaign management, and partnership initiatives to enhance the Bank's visibility and competitive positioning.

Educational Background

• B.Sc. in Public Administration – University of Calabar

Certifications

• Microfinance Certified Banker (MCB)
• New Product Development, Assets Acquisition (IPPIS) and Techniques on Market Penetration
• Risk-based Auditing, Compliance and Supervision
• AI Mastery Certifications

Professional Memberships

• Chartered Institute of Bankers of Nigeria (CIBN)
• Financial Reporting Council of Nigeria (FRN)
• Chartered Institute of Public Diplomacy and Management (CIPDM)

Career Progression

Began his banking career at First Royal Microfinance Bank as a Business Development Officer II and progressed through Head of Credit, Head of Marketing, Head of ICT, Assistant Internal Auditor, and Risk Officer, before his current position as Head of Recovery.

Key Responsibilities

• Oversees loan recovery activities across all portfolios, ensuring timely and effective resolution of delinquent accounts.
• Develops and implements recovery strategies in compliance with regulatory guidelines and internal policies.
• Coordinates with legal, credit, and field teams to manage non-performing loans (NPLs) and maximise asset recovery.

Educational Background

• B.Sc. in Marine Biology – University of Calabar

Certifications

• Microfinance Certified Banker (MCB)
• New Product Development, Assets Acquisition (IPPIS) and Techniques on Market Penetration
• AI Mastery Certifications

Professional Memberships

• Chartered Institute of Bankers of Nigeria (CIBN)

Career Progression

Began his banking career as a Business Development Officer II, progressed to Paying Teller and Supervisor, before his appointment as Head of Administration and Support Services.

A Barrister and Solicitor of the Supreme Court of Nigeria and a member of the Nigerian Bar Association, providing strategic legal, corporate governance and regulatory advisory support to the Board of Directors and Management. He is AI-proficient, leveraging emerging technologies to enhance legal research, contract drafting, regulatory analysis and corporate governance.

Key Responsibilities

• Ensures compliance with corporate governance principles, statutory regulations, and regulatory filings in line with CBN, NDIC, and CAC requirements.
• Provides legal and administrative support to the Board and Management, including preparing and maintaining statutory records.
• Serves as liaison between the Board, regulators, shareholders, and other stakeholders to uphold transparency and legal integrity within the Bank's operations.

Educational Background

• Certificate of Call to Bar – Body of Benchers, Nigeria
• LL.B in Law – University of Calabar
• Diploma in Law – University of Calabar

Certifications

• Alternative Dispute Resolution (ADR)
• Compliance and Risk Management
• Gender Justice, Diversity, Equity and Inclusion
• Protection of Vulnerable Populations

Professional Memberships

• Nigerian Bar Association (NBA)

Career Progression

Joined First Royal Microfinance Bank as Company Secretary/Legal Officer and has continued to serve in that capacity to date.