Destiny Augustine Theophilus is a highly experienced finance professional with 14 years of expertise in the financial sector. She currently serves as the Head of Credit Administration at e-Barcs Microfinance Bank. She holds a Master’s degree in Finance & Accounting from the University of Wolverhampton Business School, United Kingdom, and is a certified Microfinance Practitioner accredited by the Chartered Institute of Bankers of Nigeria (CIBN).

Destiny has held leadership roles across multiple critical functions, including Finance, Credit Administration, Compliance & Internal Control, Treasury, and Business Assurance & Regulatory Compliance. Her diverse expertise spans credit risk management, financial analysis, enterprise risk management, AML/CFT compliance, fraud prevention, cybersecurity, data protection, and internal control systems.

As a strategic leader, she is committed to optimizing credit processes, enhancing portfolio quality, ensuring regulatory compliance, and fostering a strong risk and control culture within financial institutions. Passionate about driving operational excellence, Destiny plays a pivotal role in safeguarding financial integrity through robust policies and frameworks, with a strong emphasis on data protection and cybersecurity.