Management Team.

Musa Abiodun Raheem is the pioneer MD/CEO of Hayat Trust Non-Interest Bank Ltd. He was a key member of the team that led the process leading to approval and granting of license to Hayat Trust Non-interest Microfinance Bank Ltd, first of its kind in southern Nigeria. He was instrumental to developing the Bank’s overall strategic plan and comprehensive framework that guides the Bank’s operations and overall goals and objectives.

Mr. Raheem has over 10 years cognate experience in microfinancing and risk management. He was the MD/CEO of Al-Hayat Microfinance Bank and performed excellently towards transferring the Bank to the new investors and successful settlement of all stakeholders of the Bank.

He holds HND in Accounting and BSc in Economies from the Polytechnic Ibadan and University of Ibadan respectively. He is a Fellow Member of Institute of Chartered Accountants of Nigeria, and Certified Microfinance Banker of Chartered Institute of Bankers of Nigeria. He is also a Certified Islamic Professional Accountant (CIPA) and Certified Shariah Auditor and Adviser (CSAA) of Accounting and Auditing  Organization for Islamic Financial Institutions (AAOIFI).

He has attended several local and international trainings, seminars and workshops.

Hassan Fausat Teniola has 10 years of banking experience. She is a graduate of the Polytechnic Ibadan Oyo state where she studied banking and Finance. Some of the certificates she holds include Nigeria Institute of management (NIM), She is a Certified Microfinance Banker of Chartered Institute of Bankers of Nigeria (Microfinance Certification Programmed) MCIB 2018.

Mr. Aliu Ganiu Olayinka is the Head of Business Development at Hayat Trust Non-Interest Microfinance Bank Ltd. He holds a Bachelor of Science degree in Industrial and Labour Relations/Personnel Management from Olabisi Onabanjo University, which he obtained in 2006. He began his banking career in 2009 as a Credit Officer at Star Microfinance Bank. In 2017, he joined Al-Hayat Microfinance Bank Limited. With over a decade of experience in the microfinance banking sector, he has developed strong skills in credit management and recovery. He has attended various courses and seminars, including Enterprise Risk Management, Credit Delinquency and Recovery Management Training, and a sensitization/self-assessment workshop on Quality Lending in Microfinance Banking.

In addition, he is a Certified Microfinance Banker through the Chartered Institute of Bankers of Nigeria (Microfinance Certification Programme), holding the title of MCIB since 2019.

Throughout his career, Mr. Olayinka has held various leadership roles within the department. He served as the Acting Head of Credit and Marketing from May 2022 until his resignation in 2023, coinciding with the bank’s transition to a full-fledged Non-Interest Microfinance Bank. He was later appointed as the Head of Business Development at Hayat Trust Non-Interest Microfinance Bank Ltd.

Miss. Sanni Ayisat Oluwakemi is the Head, Finance and Administration of Hayat Trust Non-Interest Microfinance Bank Ltd. She has BSc. in Accounting from Olabisi Onabanjo University Ago-Iwoye. Miss Ayisat has over 9 years of experience in Banking, She is a Certified Microfinance Banker of Chartered Institute of Bankers of Nigeria (Microfinance Certification Programme) MCIB 2018.

Mr. Lawal Ridwan Akindele holds a B.Sc in Business Administration from Tai-Solarin University of Education (2014) also holds a professional certificate in Islamic Banking and Finance from the International Institute of Islamic Banking and Finance (IIIBF) BUK, 2019. He is a Certified Microfinance Banker (MCIB) from the Chartered Institute of Bankers of Nigeria 2019 and also an Associate Member of the prestigious Institute of Strategic Management, Nigeria (ISMN) 2012.

He is a seasoned professional banker and an administrator with almost a decade practice in the Microfinance Sector. He had served in various positions with cognate expertise in Marketing, Strategic and Financial Management, Risk Management, Credit and Debt Recovery with tremendous achievements over the years. He has attended several trainings, workshops and seminars organized by both domestic and international bodies. He was the Acting Head Internal Audit, Control and Compliance Department of Al-Hayat Microfinance Bank Limited, Internal Audit and Compliance officer of Hayat Trust Non-Interest Microfinance Bank Limited before his recent appointment as the Head Internal Audit, Shari’ah Compliance and Control Department of Hayat Trust Non-Interest Microfinance Bank Limited.