Mr. Kesiena Emmanuel Akalusi is a graduate of Delta State University Abraka, where he holds a bachelor’s degree (B.Sc.) in Zoology (Second Class Upper) and a Master’s degree in Business Administration (MBA) with option in Finance and Financial management from the National Open University of Nigeria. He is currently a Ph.D. candidate in Business Administration from Delta State University Abraka post graduate school. He is a fellow chartered institute of Loans and Risk Management of Nigeria (CILRM) and a Fellow of the Institute of Debt Recovery Practitioners of Nigeria (IDRPN). He has over 17 years experience in credit and risk management, credit assessment and analysis, loan portfolio management, loan portfolio building, business development and management, sales, marketing, loan recovery and debt management, etc. He has worked with National foods as an Area Sales Coordinator, He has a wealth of experience as a micro-finance specialist where he had worked with leading national and international microfinance bank such as AB microfinance bank (Access Holding AG. Germany Group), Accion National Microfinance Bank Ltd, as well as Cneico Nig. Ltd. He was employed on the 15th of March 2021 as an Assistant General Manager, AGM loans and Mortgages and he is married with children. He is presently the officer in charge of the Directorate of finance and administration/ Treasurer in the Delta state District of the Institute of Debt recover Practitioner of Nigeria (IDRPN).