Board of Directors

Alh. Muhammad Kabir Ahmad


MUHAMMAD K. AHMAD, OON is the Chairman of the Board of Credent Capital and Advisory Limited and has about 35 years distinguished experience leading and working in various public sector organisations and financial services institutions, especially in banking, pension and insurance. He was the pioneer Director General and Chief Executive Officer of the National Pension Commission and oversaw the establishment and growth of the Pension industry in Nigeria with over ₦6 trillion in assets to become a major contributor to Nigeria’s GDP. He is currently the Chairman of both the Skye Bank Plc and the Interim Board of International Energy Assurance Plc. He also chairs the Boards of Taj Bank and Credent Capital Advisory, both being promoted for the provision of financial services. Ahmad belongs to a group of eminent Nigerians working with Africapractice and BMGF to build high-level political support for the promotion of Financial Inclusion in Nigeria.

Ahmad Chairs the Technical Committee of the National Council on Privatisation (NCP) chaired by the Vice President of Nigeria. He was recently appointed to Chair the Technical Committee on National Code for Corporate Governance by the Financial Reporting Council. Ahmad is the founder of Jewel Development Foundation, a graduate assistance programme; and Certium Consulting, a strategic advisory and business applications company. Mr. Ahmad has served on the boards of various corporate and not-for-profit organisations as well as presidential committees. Ahmad had worked at the Central Bank of Liberia as the Advisor and Technical Director on Bank Supervision under an International Monetary Fund (IMF) Programme.

Ahmad chaired the Technical Committee that produced the North East Transformation Strategy (NESTS), a medium term Regional Development Strategy, for the sustainable socio-economic transformation and reconstruction of the Region, a strategy promoted by the six Governors of the constituent states of the region. He also coordinated the development of the Buhari Plan, which is the Federal Government strategy document for the rebuilding of the North East that led to the constitution of the Presidential Committee on the North East Initiative (PCNI).

He strongly promotes building institutions based on the highest corporate governance and ethical standards. He has a Masters Diploma in Innovation and Strategy from University of Oxford, United Kingdom and has also attended courses and programmes in various first-rate business and management schools, including Harvard Business School, USA and INSEAD Fontainebleau, France. He is married with children.

Dauda Lawal Ph.D

(Executive Vice Chairman/Chief Executive Officer)

DAUDA LAWAL is the Executive Vice Chairman/ Chief Executive Officer of Credent Capital and Advisory Limited. He was formally the Executive Director, Public Sector, FirstBank of Nigeria Ltd and also former Executive Director; North with FirstBank, where his principal remits were growing the bank’s Retail and Public-sector business within Abuja and the Nineteen (19) Northern States.

Prior to this, he was the Executive Vice-President, Public Sector North with the responsibility for deposit mobilization, asset creation and public-sector banking business from federal government ministries, departments and agencies including state governments across Northern Nigeria.

Dr Dauda has an honorary degree of Doctor of Business Administration (DBA) honoris causa of the Usmanu Danfodiyo University Sokoto. He holds both the Bachelor and Master of Science Degrees in Political Science from the Ahmadu Bello University, Zaria. His banking career spans over 14 years with a civil service career of over 8 years. He joined First Bank in 2003 after having worked as Assistant Consular with Embassy of Nigeria in Washington DC. He also served as Chairman, FBN Bank Guinea, Director, FBN Insurance Brokers and Director, Rainbow Town & Development Limited.

Some of his other previous management positions while in FirstBank include Business Development Manager Abuja, Relationship Team Leader Abuja Area Office, and Relationship Manager Commercial Banking.

He has attended many professional development courses including Financial Services at the Harvard Business School, Boston, Massachusetts, USA, The Senior Executive Programme at the London Business School, in the United Kingdom.  He is an avid reader and author of many seminal papers on national and international issues.

Dr. Charles A. Kachii Allah

(Managing Director/Chief Operating Officer)

CHARLES A. KACHII ALLAH is the Managing Director/Chief Operating Officer of Credent Capital and Advisory Limited. He is an Investment Banker with over 26 years professional experience with expertise in corporate finance (Capital Issues, Structured Finance, Financial/Privatization advisory, Finance/Debt Restructuring, Private Equity) and Brokerage and Dealing services (Stock trading, Asset Management). He has worked as founder and co-founder of Vortex Advisory Partners Limited and Northbridge Investment and Trust Limited respectively, both Investment banking firms. Prior to this he worked in BGL Limited, IB Finance and Securities Limited and ICON Stockbrokers Limited.

He has had a consistent track record of structuring and implementing some of the most successful advisory services transactions in Nigeria covering business restructuring, privatization, capital issuance, brokerage and dealing across various industry sectors. He has extensive training in Investment Banking, Brokerage and dealing and leadership development from both local and international institutions.

He has a B.Sc in Accounting from Ahmadu Bello University Zaria, Nigeria, and MBA from IESE, University of Navarra Barcelona Spain, an Associate member of the Chartered Institute of Stock Brokers of Nigeria and a Dealing Clerk of the Nigeria Stock Exchange, a National Youth Service Merit Awardee and World Youth Ambassador for Peace.

Munir Umaru Baba

(Executive Director)

MUNIR UMARU BABA is an Executive Director of Credent Capital and Advisory Limited. Prior to joining Credent Capital and Advisory Limited, he, was the Managing Partner and CEO of Syn8gise Solutions Limited. He also retired from the Public Service of the Federal Republic of Nigeria in 2012, as the Director of Finance and Accounts of the Petroleum Equalisation Fund, where he was responsible for a fund size of over N100 Billion.

Munir Umaru Baba has a broad experience in Downstream Petroleum Industry dynamics, Asset Management, Fund Servicing, Quality Control, Payment Processing, Financial Analysis, Investor and Management Reporting, Public Fund Control, Administration and Accounting, Team Building and Dynamics, Communication, Strategy, Change Management and Business Process Review and Improvement.

In his Educational pursuits, he attained his BSc. in Business Management from the University of Maiduguri, Nigeria and an MBA in Finance from Howard University, Washington DC in 1994.  Further he holds a General Management Certificate from the University of Cambridge and a Policy, Leadership and Strategy Certificate from the National Institute for Policy and Strategic Studies, Kuru, Nigeria.

He initiated and implemented the first bank mandate e-payment system in the Public Service in June 2007. He also implemented the first ever End-to-End e-payment system using a payment portal for direct deposit into a client’s account in the Public Service in October 2007, a payment system understudied by the Central Bank of Nigeria for implementation nationwide which was achieved by government in 2011.

Currently Munir Umaru Baba sits on the Boards of AXA Mansard Pensions Ltd., First Source Nigeria Ltd., MaiDaria Media Nigeria Ltd., and is also Sub-Saharan Integrated Services Africa Holdings’ (UBL Nig. Ltd.) adviser on the oil and gas sector (downstream).

Suraj B. Yakubu

(Non-Executive Director)

SURAJJUDEEN B. YAKUBU is a Non-Executive Director of Credent Capital and Advisory Limited. He is a distinguished lawyer with almost 40 years’ experience and expertise in investment and joint venture syndication, contract negotiations, privatization advisories, capacity building.

He is an alumnus of Ahmadu Bello University Zaria, Nigeria (LL. B), The Nigeria Law School Lagos (B.L), Institute of Administration, Ahmadu Bello University Zaria, Nigeria (LL.M), International Development Law Institute Rome (Cert. in Development Law) and Oxford University, Queens Mary College England (Cert. in Credit Risk Management & International Financial Law).

Suraj’ has served as a consultant and advisor on Legal and Regulatory Reform of State Owned Enterprise under the Technical Committee on Commercialization & Privatization (TCPC) and its successor, National Council on Privatization (NCP/BPE). Also, he was once Chief Executive Officer of the Nigerian Investment Promotion Commission, Consultant to the House of Representatives joint committee set on investigating activities of Banks in the Capital Market, Legal Consultant to United Nations Commission on Trade & Development (UNCTAD) on investment policy in Africa, and Legal Advisory to Nigerian Export-Import Bank (NEXIM) on loan syndication, amongst others.

He is a member of the Nigeria Bar Association, International Bar Association, Institute of Directors of Nigeria, Nigeria Institute of Management, Institute of Management Consultant USA, International Federation of Training & Development Organization Geneva, International Society of Performance Improvement USA, Fellow & Council Member, Business Recovery & Insolvency Practitioners Association of Nigeria, FBR, International Association of Insolvency Practitioners.

Sambo Garba

(Non-Executive Director)

SAMBO GARBA is a Non-Executive Director of Credent Capital and Advisory Limited. He has versatile skill set in Finance and Investment with experience in Business Development and Management, adept at implementing innovative ideas and providing business development solutions.

His expertise ranges from Financial Advisory to Business Management and Investment, Verification, Reconciliation and Recoveries/Resources mobilization, project initiation and development. His skills and knowledge have earned him mandates of various public and Private Institutions. He has vast experience in the Nigerian Capital Market having begun his working career with the Securities and Exchange Commission (SEC) before joining the private sector.

Having established himself in the Private Sector, Sambo ventured into Real Estate Development, establishing Bima Shelter, a leading Real Estate company in Nigeria. He is also a Director of GSCL Consulting, a leading consulting firm in Nigeria.

Sambo is an alumnus of Ahmadu Bello University, Zaria (MBA), Bayero University, Kano (B.Sc) Business Administration and currently pursuing a law degree from Baze University, Abuja.

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