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Emmanuel Oshiokpu BSc(Hons), MNIM, ACA(In View) has extensive experience in credit risk management and asset liability management. Currently serving as a Manager at Groupe Baobab since August 2019, Emmanuel Oshiokpu oversees credit assessments, chairs the Credit and Arrears Committee, and has approval authority for loans up to 15 million NGN. Emmanuel Oshiokpu previously held the position of Credit Lead, focusing on creating quality risk assets and ensuring compliance with internal risk frameworks. Prior to that, Emmanuel Oshiokpu worked as an Expert Credit Portfolio Risk Analyst at Microcred, where responsibilities included reviewing credit applications and analyzing financial data. Earlier experience includes a role as a Graduate Research and Teaching Assistant at Plateau State University, Bokkos. Emmanuel Oshiokpu holds a Bachelor of Science degree in Industrial Mathematics from Delta State University.