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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.

I have been operating within the microfinance sector for the past 12year+ starting as assistant Busi ess Development Officer. My journey has seen me taking several roles as a marketer, supervising officer, operation officer. During these stages, I actively participated in different training - product development, project management, recovery etc. These trainings translated to my participating in different product development for the institutions I worked with. Some of my strong skills includes product development, data analysis/mining, train the trainer, development of policy/frameworks to drive process, project, product etc.

Over the course of my career, I have played strategic and transformational roles across the Information Technology landscape, with a strong focus on aligning technology with business growth, operational efficiency, and regulatory compliance within the financial services sector — particularly in the microfinance banking space. Currently, I serve as the Head of Information Technology at Sabi Microfinance Bank where I am currently restructuring their IT structure from internal procedures, to channels to enabling resilient security procedures etc. Previously I was the Head of Information Technology at Rehoboth Microfinance Bank, where I lead the end-to-end management of the bank’s IT infrastructure, cybersecurity framework, digital channels, and automation initiatives. My role is both technical and strategic — bridging management objectives with innovative technology solutions to drive digital inclusion, customer experience, and institutional resilience. ________________________________________ Key Responsibilities and Experience Highlights: 1. Strategic IT Leadership and Governance: I developed and implemented the bank’s IT governance framework, ensuring alignment with CBN and NDPR compliance requirements. I also established clear IT policies, disaster recovery plans, and a technology roadmap that supports both current operations and future digital growth. 2. Digital Transformation and Innovation: I spearheaded the successful deployment of the Rehoboth Mobile App, an omni-channel digital banking platform that increased transaction volumes by over 60% within the first year. I also introduced core automation systems for loan processing, internal approvals, and reporting — improving turnaround time and reducing manual errors significantly. 3. Infrastructure and Cybersecurity Management: I led the migration of legacy infrastructure to a hybrid cloud environment, improving system uptime and scalability. I also strengthened cybersecurity posture through multi-layer security protocols, endpoint monitoring, and staff awareness programs — maintaining zero critical incidents across several audit cycles. 4. Business Process Automation and Operational Efficiency: Through a series of in-house automations, I optimized internal workflows for HR, Finance, and Operations, including automated staff appraisal systems, digital loan application processing, and centralized data reporting dashboards. 5. Team Leadership and Capacity Building: I built and mentored a high-performing IT team capable of managing enterprise systems and providing rapid support to both internal and external users. My leadership approach emphasizes knowledge sharing, accountability, and cross-functional collaboration to achieve sustainable productivity. ________________________________________ Key Accomplishments: • Digital Channel Expansion: Designed and launched a secure mobile banking solution that now serves a majority of customers digitally. • Process Automation: Introduced automated customer onboarding and credit assessment systems that cut onboarding time by 40%. • Compliance and Audit Success: Achieved consistent top ratings in IT and security audits, with no major findings across consecutive years. • Innovation Recognition: Recognized by management for excellence in driving the bank’s IT modernization agenda and supporting financial inclusion strategies. • Operational Resilience: Ensured 99.9% uptime of critical banking applications and seamless business continuity during major system transitions. ________________________________________ Summary of Professional Impact: In essence, my career has been dedicated to transforming technology from a support function into a business enabler — one that enhances service delivery, drives profitability, and secures the organization’s digital future. My blend of strategic vision, technical depth, and leadership experience has consistently helped organizations optimize operations, safeguard data, and deliver value to both customers and stakeholders.