AFOLABI E. CARDOSO - who holds an undergraduate degree in Chemical Engineering from Loughborough University in England, also bagged an MBA degree in Finance from New York University, New York U.S.A. He has over 20 years of varied Banking experience spanning Credit, Corporate Finance and Treasury.

Prior to commencing his banking career, he worked for 1 year at ExxonMobil’s Coryton Refinery in Essex, England and for 2 years with Chevron Oil Company Nigeria Limited as a Petroleum Engineer.

An active instructor for bank credit training programs, while in service he worked in 3 different Merchant Banks, and attended the Bank Credit Training Program of the Bank of Boston, in Boston, Mass, USA. He left the banking industry recently as General Manager to run his own Consultancy, Cardtrust Ltd., where he is the Managing Director/CEO.