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Memory Chipoya currently serves as the Branch Manager at ExpressCredit Group, where responsibilities include conducting staff training, recruiting and motivating Direct Sales Agents, and preparing sales and marketing plans while presenting sales performance in management meetings. Prior experience includes roles at Agora Microfinance Zambia, first as an Internal Controls Officer overseeing risk management and compliance audits, and previously as a Client Relationship Officer managing the lending cycle and customer relationships. Memory also worked as a Quality Control Executive at Varun Beverages Limited, focusing on product analysis and production monitoring. Educational qualifications include a Bachelor’s Degree in Production and Operations Management from Copperbelt University and enrollment in a Master of Business Administration program at the University of Zambia.