Opening Hours: Mon -Fri, 8am - 4pm

About us

Baines Credit Microfinance Bank is a financial institution committed to solving all the financial needs of salary earners, micro, small, and medium scale enterprises, and other corporate sectors through an empathic and innovative process. We are a limited liability company duly incorporated in Nigeria in April 2016 under the 2002 Companies and Allied Matters.

Our financial services are regulated by the Central Bank of Nigeria
(CBN) and our customers’ deposits are insured by Nigeria Deposit
Insurance Corporation (NDIC).

Our Mission

To provide value to our various stakeholders through innovation, the creation of economic prosperity and financial inclusion.

Our Vision

To be the reference point Microfinance Bank, offering financial services to address commercial and social needs.

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Our Core Values

We uphold certain principles and standards which
guide us in our everyday activities.

Customer Centric

You are our most important customer. Your satisfaction is of high importance as we endeavour to serve you better.

Resilience

You will be treated with utmost respect and dignity. We are consistent and always there for you through life’s journey.

Execution

We get things done promptly, timely and we deliver all actions excellently, getting the best result possible at the first attempt of execution.

Discipline

Operational excellence, product leadership, customer intimacy, reliability, timely delivery above your expectations and a great relationship with you

Innovation

Organizational quality, performance excellence and continuous improvement to guarantee your satisfaction

Team Work

The best solutions cones from working together with colleagues and with you. Effective teamwork requires relationships respect and sharing

Meet Our Management Team

We are a team passionate about economic prosperity and financial inclusion in
Nigeria. We are concerned about getting your financial needs solved by first
understanding them before providing tailored financial services, such as savings,
investments, and loans, including complex financial decisions.

Mr Ayobami Adegoke

CHIEF EXECUTIVE OFFICEr/Managing Director

Mr. Mark Utor

Head, Credit risk management

Mr. Bamidele Shina

Head FINANCE

Mr. Afa ORNGUGA

HEAD, AUDIT AND INTERNAL CONTROL

Baines Credit MFB Staff

Mr. Ayobami Adegoke

Chief Executive Officer/Managing Director

He holds a B.Tech in Electrical and Electronic Engineering and an MBA in Finance, He has over a decade experience in the Financial Industry, experience spanning Branch operations, Marketing, E-Business, Process Improvement, Project Management, Digital Banking and Financial Inclusion. He is an experienced Business Analyst (certified Lean Six Sigma) with expertise in analyzing E-Business products and other bank operations processes/products.

Mr. Mark Utor

Head, Credit Risk Management

He is a holder of B.Sc. Economics (Makurdi) & Master of Risk Management (Lagos). He has over 16 years  experience in financial services industry spanning retail, consumer and commercial banking, micro and SME lending and risk management. He has worked in a number of reputable players in the industry including UnityBank, First Bank, AB MFB, Primera MFB, Fina Trust MFB, Oliver Mead investment Limited and FUNDiT Finance Company Limited. He currently heads Credit and Risk Management team at Baines Credit MfB. He held various roles in his previous employments including Relationship Management Team Lead, Credit Analysis Lead, Loan Monitoring Team Lead as well as Head of Credit and Risk Management. Mark is reputed to have reengineered processes and pioneered product innovation in most companies he has worked.

Mr. Bamidele Shina

HEAD FINANCIAL CONTROL

I’m a Chartered Accountant with more than two decades of experience in financial leadership roles—spanning everything from cash flow management and internal control systems to strategic finance and tax compliance. I’m passionate about turning financial data into strategic insight, and I thrive when leading diverse, high-performing teams.

> > My toolkit includes a deep mastery of IFRS and GAAP, paired with sharp analytical skills using Excel, Power BI, and Tableau.

Mr. AFA ORNGUGA

HEAD, AUDIT AND INTERNAL CONTROL

AFA ORNGUGA is A risk management and compliance professional with a wealth of experience in building strong internal control systems and ensuring compliance to prescribed internal and regulatory policies with over five years relevant experience in the microfinance and fintech sub-sector. He has a BSc degree in Economics and MSc Econometrics in view.

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