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Professional Profile I am a results-driven Financial Inclusion Innovation Manager, Business Coach, Management Consultant, and Agile Business Transformer, with extensive leadership experience as an MD/CEO, Credit Analyst, and Investment Partner. My career is built on a foundation of empowering businesses through financial innovation, driving growth, and leveraging technology to foster inclusion and sustainability. My career began in 2009 with AB Microfinance Bank, a multinational institution headquartered in Berlin, Germany, where I rose from a Trainee Loan Officer to Senior Credit Analyst, mastering the intricacies of credit analysis, SME financing, and lending operations. At Letshego Microfinance Bank, I served as a Branch Manager and key trainer, delivering comprehensive induction and seasonal training programs on lending technology while helping launch innovative products like Education and Health Sector Loans. As Head of the Commercial Department at Nigeria’s first education-focused microfinance institution, Edfin Microfinance Bank, I led efforts to expand market reach and drive customer-centric solutions to low cost private schools in Lagos. I later assumed the role of MD/CEO at Lifegate Microfinance Bank Limited, where I guided the bank’s operations and strategy towards sustainable growth. At Rivy (formerly Payhippo), I hold the role of Head of Credit, where I combined my expertise in business development and credit analysis to enhance client acquisition, streamline credit processes, and ensure effective risk management. My leadership enabled the company to scale its operations and deliver tech-enabled financial solutions that empowered underserved businesses. As the Founder/CEO of Luminex Business School and Consult, I now lead programs that equip entrepreneurs with practical, market-driven skills in business strategy, financial management, and value creation. Academically, I hold a Bachelor’s degree in Accounting from Benson Idahosa University and a Master’s in Business Administration (Finance) from Ladoke Akintola University of Technology. I am a certified member of the Chartered Institute of Bankers Nigeria (CIBN) in microfinance and have earned a Certificate in Digital Strategy for Business from Columbia Business School (Emeritus). I am further equipped with certifications in Data Analytics, Business Continuity, Leadership, Creativity and Innovation, Disruptive Leadership, Design Thinking, Emotional Intelligence, and Strategic Planning. These credentials reflect my commitment to continuous learning and my ability to navigate complex challenges with innovative, data-driven solutions. I come with over a decade of impactful leadership, I bring a proven track record in delivering financial solutions, fostering business transformation, and driving sustainable growth for organizations and communities alike.

? UGUTE EVELYN OGHENEFEJIRO (Also known as Obodo Evelyn Fejiro) FICA, MCIB, PGD Bus. Admin ________________________________________ ?️ Leadership & Executive Roles • Managing Director/CEO, Coastline Microfinance Bank Ltd, Delta State Led the bank for over six years, championing regulatory compliance, operational growth, and customer outreach initiatives. • Chairperson, National Association of Microfinance Banks (NAMB), Delta State Chapter (2022–2024) Provided strategic oversight, policy advocacy, and coordinated the activities of microfinance banks within the state. • Former Secretary General, NAMB South-South Zone Played a key role in regional coordination, stakeholder engagement, and regulatory policy dialogue. • Member, National Executive Committee (NEC), NAMB Contributed to national-level decision-making and industry advocacy for sustainable microfinance development. ________________________________________ ? Thought Leadership & Consultancy • Chief Consultant, Evolvepro Consultancy Offers expert advisory services to financial institutions on operational efficiency, risk mitigation, regulatory compliance, and staff capacity development. • Founder & CEO, Divlyn Career Hub A career and business development platform providing: o Microfinance Career Guide – job support, career orientation, and 500+ bank profiles o AI Money-Making Skills Program – empowering individuals and small businesses with income-generating AI tools and skills ________________________________________ ? Education & Certifications • PGD in Business Administration, Delta State University, Abraka • PGD in Credit Administration, Institute of Credit Administration • Certified Microfinance Banker (MCIB) – Chartered Institute of Bankers of Nigeria • FICA – Fellow, Institute of Credit Administration ________________________________________ ?️ Specialized Training & Capacity Building • Branch Operations Management (Understanding the Branch MPR) – FITC • Mitigating Due Diligence Exposure & Emerging ML/FT/PF Risks – For Microfinance Banks • Corporate Governance, Regulatory Compliance & Strategic Leadership – DBN Capacity Building Program for MFBs/OFIs ________________________________________ ? Awards & Recognition • Exemplary Leadership Award, NAMB Delta Chapter (2022–2024) • Widely acknowledged for impactful leadership, capacity development, and regulatory excellence in the microfinance sector. ________________________________________ ? Social Presence • LinkedIn: Fejiro Ugute • Twitter (X): @evelyn_fejiro_u • Instagram: @fejiro_ugute • Facebook: Obodo Evelyn Fejiro ________________________________________ ? Current Role • Head of Operations, Infinity Microfinance Bank Ltd, Lagos Currently leading operations, overseeing core units such as customer service, teller, fund transfer, vaulting, and GL postings to ensure seamless service delivery and regulatory compliance.