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Management Team

Managing Director: Beatrice Oluwasina

A trained lawyer and a seasoned banker with well over 28 years experience in the banking sector.

Mrs. Oluwasina obtained a Bachelors of Law Degree (LL.B) from the University of Benin in 1986. She thereafter proceeded to the University of Lagos for a Master Degree in Law (LL.M) graduating with a distinction in International Economic Law in 1989. She obtained Masters in Business Administration (MBA) from the University of Lagos in 1994 specializing in Management and Marketing. In the course of her banking career, she attended various courses locally and overseas. 

She belongs to a number of professional bodies some of which includes The Nigerian Bar Association (NBA), Nigerian Institute of Management (NIM), Institute of Certified Economics of Nigeria (ICEN), Women in Banking and Finance (WIBAFEM), International Federation of Women Lawyers (FIDA) and Chartered Institute of Bankers of Nigeria (CIBN).

Mrs Beatrice Oluwasina had a stint in private law practice from 1987 to 1989 before joining the Central Bank of Nigeria in 1989 where she retired from in June 2006. Her well over 16 years career at the CBN took her through different strategic departments in the Organization, acquiring and garnering invaluable experience in administration, International trade and foreign exchange management through policies formation. She also delivered a number of papers in International trade documentations, controls and Foreign Exchange guidelines in various financial institutions. She was also a bank examiner in the Other Financial Institutions Department (OFISD) where she led various teams to Community banks (now microfinance banks), Primary Mortgage Institutions, Finance companies and Bureau de change for examination and supervision.

Mrs. Oluwasina is a Certified Microfinance Banker of The Chartered Institute of Bankers of Nigeria.

Head, Internal Audit and Compliance: Olusegun Iwaotan

Olusegun Iwaotan is a graduate of Accounting from University of Ado-Ekiti and currently a student member of Institute of Chartered Accountants of Nigeria.
Before coming on board Capstone, he had worked in several organizations. He was Chief Accountant with GICHI Limited, Ikoyi, Lagos; Chief Accountant with Tom Associates and Account Officer, Wisepex International Enterprises, Lagos.

Mr. Iwaotan has Masters in Business Administration (MBA) from the Lagos State University, Lagos. He has completed the Microfinance Certification Program of the Central Bank of Nigeria with MCIB.

Head, Operations Unit: Daniel Egbuwoku

Daniel Egbuwoku is a Business Administration graduate of Covenant University and has an MBA from Obafemi Awolowo University, Ile-Ife. He is very versatile in the operations of microfinance. A highly proactive team player, who started his career as an accounts officer at the Ekiti State Governors Office, Ekiti. Prior to becoming the head of Operations, he had gone through different departments including Finance/Administration, Operations etc. He is also a Certified Microfinance (MCIB) from the Chartered Institute of Bankers of Nigeria. He is an Associate member of other professional Institutions such as Nigeria Institute of Management (NIM), Institute of Strategic Management of Nigeria (ISMN), Associate member of institute of Loans and Risk management (ACILRM). He has also engaged in numerous Capacity building programs.

Head, Risk Unit: Helen Ajifowowe

Helen Ajifowowe is an experienced banker with intensive knowledge in the banking industry. She has over sixteen years banking experience. Her banking career has taken her through different departments in different banks. She was amongst the pioneer staff of Broad bank before the merger with Union Bank. At Union bank Plc, she managed two big branches before joining Capstone MFB Ltd. Mrs Ajifowowe graduated from the University of Port-Harcourt with B.A History and she has a Master degree in Business Administration from the Obafemi Awolowo University Ife. She is member of the Institute of Loan and Risk Management (ILRM).

Mrs. Ajifowowe has attended series of Capacity building programs organized by the regulatory bodies and other private organisations.

Head, Credit and Marketing Unit: Tope Afolayan

Tope Afolayan is an experienced banker with extensive knowledge of the financial services industry. He has an HND Banking and Finance with over eight years banking experience in the micro finance banking sector. He has attended various courses and seminars on credit and risk management and he is a certified Microfinance operator.