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Mr. Yahaya Bala is financial expert with experience in Insurance and Banking sub sector with a complimentary role in Business Process Reengineering, Banking Operation, Service Quality Management, Enterprise Risk Management and Business Development. I first started a Carrier in the insurance Sub sector of the financial sector as a young graduate. I worked as financial controller with emphasis on data science management, information technology, customer service management and Business transformation. This exposed me to handling of financial management reporting system, Customer complaint management system and Business transformation system, which lasted for almost two years (April 2008- September 2009) before moving to Banking industry. I joined banking, 1st October 2009 and worked across departments, SBUs as a cross breed of so many units and functions with working experience spanning in 3 geopolitical zones of Nigeria relating with any multicultural community, in fact I was mentioned as one of the most in terms of cultural intelligence at a point. I have experience in business process reengineering which is geared toward seeking improve work performance and efficient/effective service delivery using digital transformation structure and surveying changing customer needs with offering by organisation, that is matching Service quality with customer expectations. Service Quality Management is an internal organ that is use as a tool by management to better the deliverables of organisation which I captured in 3 perspective Performance Appraisals System, Service Level Agreements (SLAs) and Key Performance Indicators (KPIs) all of this perspective is reviewed and related to Job Functions which is my core job description. Banking Operations include analysing balance sheet, control of all operation expenses and supervising Teller/cash Units, Customer Service Unit, Foreign Transaction units and ATM unit. Managed the Balancing Physical, Vault and System transactions and other administrative functions. The business development Unit is that of perpetual acquisition of customers, knowing the red flags of Profit and Loss Position. I became the retail banking champion and work in mass acquisition of customer with more and better offerings for 11 years (2009-2020) Thereafter in the year 2021, I was hired as Head Operations and Performance Evaluation in TRV Unify Solution LTD. A Tax (Revenue) Consultant to Adamawa State and pioneered the reinvigoration and transition from Manual to IT base organisation with sole responsibility of revenue collection in the agricultural Produce endowed in the state (initially). As a manager with over 70 Staff and drive Agricultural, produce revenues collection to unprecedented figures until November 2023. I worked with DEINA Rice as the General Manager (Strategic Level) form December 2023 to May 2005 in charge of whole organisation that ventured in rice Production, Processing and packaging. I am currently the MD/CEO Mivanyi Integrated Farms Limited Also a strategic Position over seeing the Investments of over N50Billion

I am a finance analyst and project management professional with almost two decade experience spanning private, mortgage and investment banking with wealth of knowledge in project management, asset and liability management, investment and portfolio management, credit management, sales and marketing as well as strategic human resource management. I holds a degree in Sociology from Bowen University, currently an Executive MBA candidate at Nile Business School, Nile University and has undergone several trainings at the Lagos Business School, Society for Corporate Governance Nigeria, Regenesys Business School among others. I am a Project Management Professional (PMP) with the Project Management Institute (PMI), an Associate Member of the Chartered Institute of Directors (AM. CIOD) and an Honorary Senior Member of the Chartered Institute of Bankers of Nigeria (HCIB). In addition, I am also a member of Chartered Institute of Personnel Management (CIPM), Society for Human Resources Management (SHRM) and Fintech Association of Nigeria (FinTechNGR). Prior to joining Centrum Finance Company Ltd as the Group Head, Business Development, I was the Ag Head, North for Imperial Homes Mortgage Bank Ltd (Formerly GTHomes Ltd). I am a partner at The Havilah and Dunes Co, a bespoke Financial Advisory firm involved in over USD$30m worth of deal structuring and financing and have held different senior positions at ASO Savings and Loans Plc. I am currently the MD/CEO of Centrum Finance Company Ltd.