Ayo Thomas Mica

Ayo Thomas MICA, MCIB CIBN is an experienced finance professional with a strong background in credit operations and risk management. Currently serving as the Head of Credit Operations at Vale since May 2023, Ayo has previously held key positions such as Head of Digital Banking at TF Microfinance Bank, Financial Products Lead at Purple, and Head of Digital Banking and E-Channels at Purple Money Microfinance Bank Limited. Over the years, Ayo has developed expertise in portfolio management, risk frameworks, and anti-fraud strategies through roles at Newedge Finance, Transsnet Financial, Zedvance Limited, and Carbon. Ayo holds a Master’s degree in Credit Administration and is a member of The Chartered Institute of Bankers of Nigeria. Educational qualifications also include a Bachelor's degree in Early Childhood Education and Teaching from Tai Solarin University of Education.