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Management Team

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HASSAN USMAN

Managing Director/CEO

A trained accountant, Mr. Hassan Usman graduated with a first class degree in Accounting in 1985 from Ahmadu Bello University, Zaria, Nigeria and became an Associate Member of ICAN in 1989.

ABDULFATTAH OLANREWAJU AMOO

Executive Director, Business Development, South

Mr. AbdulFattah Amoo is a shrewd professional banker, astute strategic planner and executor. He is well versed in both Islamic and Conventional banking business models.

SIRAJO SALISU PhD

Executive Director, Business Development

Dr. Sirajo is a Certified Risk Manager (CRM), Fellow of the Institute of Credit Administration (FICA) and Honorary Senior Member, Chartered Institute of Bankers of Nigeria (CIBN).

AHMED A.HASSAN

Chief Compliance Officer

Ahmed is a Fellow of the Institute of Chartered Accountants of Nigeria, a Fellow of the Chartered Institute of Taxation of Nigeria and an Associate of the Pension Institute of Nigeria...

MALAM ISMAILA ADAMU

Group Head, Institutional Banking Group

Ismaila Adamu is a member of the Chartered Institute of Taxation of Nigeria and an alumnus of Bayero University Kano, where he obtained B.Sc. in Accounting (1992) and M. Sc. in Banking & Finance (1997).

MUSA ZARA IBRAHIM

Regional Manager Abuja

Musa Zara Ibrahim started her banking career in 1991 with the then Premier Commercial Bank Plc as an officer and resigned in 1997 to take up an appointment with the then FSB International Bank Plc, where she rose to a managerial position.

RUKAYAT O. DAHIRU

Company Secretary/Legal Adviser

Mrs. Dahiru has over twenty (20) years post-call experience, eleven (11) of which were acquired in the Financial Services Industry, (3 years in Insurance and 8 years in the Banking Sector).

ABDULLAHI USMAN

Chief Audit Executive

A fellow of the Institute of Chartered Accountants of Nigeria, Abdullahi Usman is a seasoned banker with versatile experience in Investment Banking, Development Banking and Commercial Banking...

MUHAMMAD KABIR MUHAMMAD

Chief Strategy Officer

Mr. Muhammad Kabir (MK) is in charge of Strategy at Jaiz Bank. He was the pioneer Chief Financial Officer of the Bank where he set up from the scratch a Shariah-compliant accounting and financial reporting system...

MUSA POTISKUM

Acting Chief Risk Officer

Musa is a 1991 graduate of Business Administration (Finance) from the Ahmadu Bello University, Zaria and has over 20 years’ experience with Tier 1 banks covering Operations, Credit & Marketing...

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HASSAN USMAN

Managing Director/CEO

A trained accountant, Mr. Hassan Usman graduated with a first class degree in Accounting in 1985 from Ahmadu Bello University, Zaria, Nigeria and became an Associate Member of ICAN in 1989. He obtained a Post Graduate Diploma in Management in 1995 from Maastricht School of Management. Mr. Hassan also attended the Oxford University Advanced Management Programme in 2002.

He worked as the Financial Controller of Nigerian Development Company Limited, Kaduna until he joined NAL Merchant Bank Plc. where he served as the Financial Controller and Treasurer respectively between1996-2001. Mr. Hassan had a brief stint with Inland Bank where he served as General Manager, Banking Services before re-joining NAL Bank as Deputy General Manager and Head, Business and Financial Advisory Group.

Mr. Usman joined Jaiz International in 2005 as a pioneer staff and was a key member of the team that led the process leading to the licensing of Jaiz Bank Plc in 2011. He served as General Manager- Business Development from January 2012 till April 2013 and was Executive Director in charge of Operations and Information Technology prior to his appointment as the Managing Director/CEO in June 2016.

He is a Fellow of the Institute of Chartered Accountants of Nigeria (ICAN).

ABDULFATTAH OLANREWAJU AMOO

Executive Director, Business Development, South

AbdulFattah Amoo is a shrewd professional banker, astute strategic planner and executor. He is well versed in both Islamic and Conventional banking business models.

He possesses almost 3 decades cognate experience which cuts across professional Accounting practice, Banking and Finance, out of which almost 17 years has been spent at senior management/executive positions.

He joined Jaiz Bank PLC in 2017 as an Executive Director, Operations and Chief Finance Officer (CFO), a role which included providing strategic direction in Information Technology (IT) and driving the digital transformation of the Bank until his recent redeployment as Executive Director, Business Development, South.

He holds a B.Sc. in Economics and Masters in Business Administration from Edo State University (now Ambrose Alli University) and has attended several local andinternational courses in strategic management, leadership, Senior Management Programme (SMP), Leading change, Sustainable Business Strategy, The CFO
programme, etc. at prestigious institutions such as Harvard Business School, Euromoney – UK, VISA International – US, Phillips Consulting – South Africa, Lagos Business School, among others.

AbdulFattah is a Fellow of the Institute of Chartered Accountants of Nigeria (ICAN) and a member of Chartered Institute of Taxation (CITN) and Chartered Institute of Bankers of Nigeria.

DR. NURUDDEEN AHMAD LIMAN

Regional Manager North

Dr. Nuruddeen Ahmad Liman is an astute banker of several years and an academician of reputable standing. His experience cut across both public and private sectors. He has received trainings and attended workshops within an outside Nigeria and he is a member of several reputable and recognized bodies and organizations.

Dr. Liman started his banking career in 1998 with the then Bank of the North and rose to the position of a Principal Manager, heading the New Sector Development Department of the bank. When the Bank merged with other banks to form Unity Bank in 2006, Dr. Liman was made the Head, Training & Development. He left Unity Bank in 2010 as the Assistant General Manager, Human Capital Management Department.

Dr. Liman left Unity Bank and joined Igbinedion University, Okada in 2010 as an Assistant Professor to lecture Business Administration and he was made the Head of the Department in 2012, and Dean, Sanusi Lamido Sanusi College of Business & Management Studies.

He joined Jaiz Bank Plc in 2013 as the Divisional Head, Corporate Services, to oversee Human Capital Management Department, Corporate Communications Department, Training Department and Facility Department.

He is now in the Business Development Division of the Bank.

AHMED A.HASSAN

Chief Compliance Officer

Ahmed is a Fellow of the Institute of Chartered Accountants of Nigeria, a Fellow of the Chartered Institute of Taxation of Nigeria and an Associate of the Pension Institute of Nigeria, as well as an Alumnus of Bayero University, Kano and the University of Lagos.

He has over twenty – six (26) year’s cognate Banking, Industrial and Academic experience. He started his career as a Lecturer of Accounting & Finance at Bayero University, Kano before joining the Banking/ Finance Industry.

A consummate Banker, he has at various times worked in Securities & Exchange Commission, former New Africa Merchant Bank Ltd, NAL Merchant Bank (now Sterling Bank), NUB / FINBANK (now FCMB) and had a brief stint with Dangote Group as the Financial Controller of Kano Mills. His banking experience covers Corporate Finance, Banking Operations, Risk Management, Financial Controls and Branch / Regional Banking.

Mr. Hassan has attended various local & foreign courses and workshops. He joined JAIZ Bank Plc. in October 2013. He is currently the Chief Compliance Officer of the Bank. He is a fellow of the Compliance Institute of Nigeria (FCIN) and a certified Compliance officer.

SIRAJO SALISU PhD

Executive Director, Business Development

Dr. Sirajo is a Certified Risk Manager (CRM), Fellow of the Institute of Credit Administration (FICA) and Honorary Senior Member, Chartered Institute of Bankers of Nigeria (CIBN).

Sirajo started his banking career in 1992 with Inland Bank Plc as a Supervisor and rose to the position of Assistant General Manager in 2009 with First Inland Bank Plc, where he held various Managerial Positions in both Operations, Credit Administration and Business Development including Regional Manager FCT Abuja.

In 2009, he was appointed Managing Director/CEO, Arab Gambian Islamic Bank (AGIB), a position he held for Six (6) years till January 2015, before joining Jaiz Bank Plc.

Dr. Sirajo is a 1991 BSc. Economics graduate from Bayero University Kano. He has an Msc in Monetary Economics from the University of Port Harcourt and Ph.D in Agricultural Economics from Abubakar Tafawa Balewa University, Bauchi. Sirajo obtained his second Masters Degree in Islamic Banking and Finance from Bayero University Kano.

He has attended several Management and Islamic Banking Courses in and outside Nigeria as a participant and/or a speaker.

He is an Alumnus of the prestigious Lagos Business School (SMP 33) and Madinah Institute for Leadership and Entrepreneurship (PALM 11), Kingdom of Saudi Arabia.

Before his appointment as Executive Director, Business Development, Sirajo served as the Chief Risk Officer of the bank. He was the Pioneer Regional Manager in charge of Southern Operations.

MALAM ISMAILA ADAMU

Group Head, Institutional Banking Group

Ismaila Adamu is a member of the Chartered Institute of Taxation of Nigeria and an alumnus of Bayero University Kano, where he obtained B.Sc. in Accounting (1992) and M. Sc. in Banking & Finance (1997). He joined the Bank from formation stage (the Jaiz Project that metamorphosed into Jaiz Bank).

His involvement with Jaiz project dated back to 2001 as the Committee Secretary for the Promotion of Non-interest Financial System in Nigeria with Ahmed Zakari & Co. as the Secretariat. In March 2003 he coordinated the Jaiz Profit Sharing Bank secretariat as well as the registration of Jaiz International Plc. with the Corporate Affairs Commission (C.A.C). He also coordinated the highly successful Initial Public Offer (I.P.O) of the company and thereafter, deposited the then N2 billion required Minimum Deposit for Banks with the Central Bank of Nigeria (CBN).

He started his professional carreer in 1993 with Abdu Abdurrahim & Co. (Chartered Accountants), Kano. Over the course of his outstanding carrier, he had a brief stint at Nicco Sweet, Kano as the Financial Controller and subsequently a pioneer staff and Auditor at Ahmed Zakari & Co. (Chartered Accountants), Kano in 1998 before joining the Bank.

On the commencement of the Bank in January 2012, he was the Head, Support Service, a position he held until he was seconded as the pioneer General Manager/CEO of Jaiz Foundation where he supervised the setting up of the first Takaful Insurance in Nigeria (Jaiz Takaful Ltd.) and El-Jaiz Investments & Services Ltd. He was subsequently made the Head, Public Sector and later moved to head the CorporateService Division of the Bank, a position held prior to his current position.

He has attended various courses and programmes on Islamic Banking in Bangladesh, Singapore, Kenya, UAE among others.

He is happily married with children.

MUSA ZARA IBRAHIM

Regional Manager Abuja

Musa Zara Ibrahim started her banking career in 1991 with the then Premier Commercial Bank Plc as an officer and resigned in 1997 to take up an appointment with the then FSB International Bank Plc, where she rose to a managerial position.

In the pursuit of her passion for Islamic Banking, Ibrahim left FSB International Bank Plc in 2005 to join Jaiz International Plc. where she worked with other team members to raise capital within and outside Nigeria towards the establishment of the first full-fledged Islamic Bank in Nigeria, the Jaiz Bank Plc.

She is conversant with both conventional and Islamic banking operations and has attended training within and outside Nigeria in both fields of banking. These include – Performance Management at Lagos Business School and Islamic Project & Infrastructure Finance at Terraphinn Financial Training, Singapore.

She is now in the Business Development Division of the Bank.

RUKAYAT O. DAHIRU

Company Secretary/Legal Adviser

Mrs. Dahiru has over twenty (20) years post-call experience, eleven (11) of which were acquired in the Financial Services Industry, (3 years in Insurance and 8 years in the Banking Sector).

She joined Jaiz Bank as the pioneer Company Secretary and Legal Adviser in 2012, and recognizing her experience and competence in the Corporate Governance sphere, the Board immediately thrust on her the responsibility for designing the Board’s Governance Framework. Consequently, one of her notable accomplishments in the Bank was that she designed the Board and Board Committee Charters that were eventually approved by the Central Bank of Nigeria (CBN) in 2013.

In furtherance of her strategic role in providing support for the Board, Mrs. Dahiru Guided the Board in complying with the CBN/SEC Code of Corporate Governance, and recently, the Nigerian Code of Corporate Governance. She was therefore responsible for assisting the Board in drafting/ensuring that the policies required under the various Codes were produced and in place.

Another notable accomplishment of Mrs. Dahiru was that she Co-ordinated the Bank’s pre-Listing activities culminating in the successful listing of the Bank’s shares on the Nigerian Stock Exchange (NSE). Accordingly, she assumed responsibility for ensuring that the NSE Listing Rules as well as the provisions of the Investment Securities Act are complied with by the Bank.

Furthermore, because of her dual responsibility as Company Secretary & Legal Adviser, Mrs. Dahiru has been a pioneer member of the Management Investment Committee, where she has not only learnt the rudiments of Investment appraisals, but also provided insightful advice from the legal viewpoint. Accordingly, she has advised on, drafted and reviewed several legal instruments, investment/facility documents, and other routine contracts that formed the basis of the Bank’s financing/investments activities right from inception.

She was appointed, with the approval of the CBN, as the Chief Complaint Officer of the Bank, with functions similar to that of an Ombudsman; she has acted as the Chief Compliance Officer (CCO) of the Bank for a brief period in 2013 before a substantive CCO was recruited; She has chaired the Bank’s Procurement Committee for almost 6 years cumulatively; all while serving as a member of Executive Management Committee; Management Investment Committee; Senior Staff Disciplinary Committee; Senior Staff Appraisal Committee; IT Steering Committee; Information Security Steering Committee, Human Resources and Service Improvement Committee.

Mrs. Dahiru has received trainings spanning Corporate Governance, Management, Leadership, Anti-Money Laundering, Corporate/Commercial/Financial Law and Islamic Finance both locally and internationally.

ALHASSAN ABDULKARIM

Regional Manager, South

Alhassan Abdulkarim started his banking career in 1999 with Access Bank and then moved to Citizens Bank in 2003. From Citizen Bank, he joined Guaranty Trust Bank in 2005 and later returned to Access Bank in 2011 before he joined Jaiz Bank in 2012.

Born on November 4, 1974, Alhassan hold a Bachelor of Science Degree in Microbiology with a Second Class Upper honour from Bayero University, Kano in 1997 and later proceeded to obtain Masters in Business Administration from the same University in 2012. He is also a holder of Master’s Degree in Islamic Banking and Finance.

His banking experience is in the areas of Banking Operations, Relationship Management (Credit and International Trade), while his core competence/skills include credit, financial and business analysis, International Trade Finance and Islamic finance.

In the course of his duty, Alhassan attended series of training among which include; Guaranty Trust Bank Training school; Guaranty Trust Bank Credit School; and International Trade Finance. He has completed training as a Commodity Broker under Abuja Commodity Exchange.

Alhassan is married with 4 children and his hobbies include farming and reading.

ABDULLAHI USMAN

Chief Audit Executive

A fellow of the Institute of Chartered Accountants of Nigeria, Abdullahi Usman is a seasoned banker with versatile experience in Investment Banking, Development Banking and Commercial Banking that spanned a period of over 26 years.  In addition to this, he had 3 years stint with Tawada Limited (a subsidiary of Nigerian Security Printing and Minting Company Ltd.) as the pioneer Financial Controller.

He started his banking carrier in 1987 with the Bank of Agriculture (formerly Nigerian Agricultural and Cooperative Bank Ltd.) and left for Nigeria Universal Bank Ltd in 1988 from where he joined New Africa Merchant Bank Ltd. in 1989.  After his stint with Tawada Limited from 1996 to 1998, he joined United Bank for Africa from 1999 to 2001 when he moved to Intercity Bank Plc and subsequently, Unity Bank Plc through merger in 2005.  During this period, he held various responsibilities that covered all areas of core banking operations, which included Treasury and Foreign Operations Officer, Head of Branch Operations, Regional Head of Operations, Zonal Head Internal Control, Head of Budgeting and Financial Reporting, Head Strategy and Corporate Planning, Head Credit Remediation and Workout, and Head Credit Control and Policy.

Abdullahi Usman joined Jaiz Bank in 2013 as Deputy Chief Risk Officer. He is currently the Chief Audit Executive of the Bank.

A Chartered Accountant and Accounting graduate of 1987, he is also MBA holder from Ahmadu Bello University, Zaria.  He had attended numerous local and international courses which included Strategic Treasury Management by D.C. Gardener, Management Development Program by School of Business Entrepreneurship of South Africa, Audit Command Language (ACL) by EDP Associates, Applied Corporate Finance Workshop by Jeff & O’Brien, IFRS training by Euromoney, Kaplan-Norton Balanced Score Card, Basel II/III training and Basel III and IFSB Regulations for Islamic Financial Institutions by Red Money Training, Kualar Lumpur, Malaysia.

MUSA POTISKUM

Acting Chief Risk Officer

Musa Mohammed Potiskum is a 1991 graduate of Business Administration (Finance) from the Ahmadu Bello University, Zaria and has over 20 years' experience with Tier 1 banks covering Operations, Credit & Marketing, Retail & Commercial Banking, and Public Sector marketing at Managerial and Regional levels.

He is a member of the Risk Managers Association of Nigeria and Chartered Institute of Bankers (CIBN).

Musa was a Project Manager with a Canadian consultancy firm (CPCS) before joining Jaiz Bank in 2011 as a pioneer staff. He started at the Kaduna Main branch of the Bank before moving to the Head Office as Head of Retail Banking Group from where he was transferred to the Risk Management Division as the Head, Credit Risk / Deputy Chief Risk Officer. At one time, he was the acting Chief Risk Officer before being redeployed to head the North Central Region.

The Acting CRO shall be responsible for overseeing the entire Risk Management Department (RMD) of the Bank while ensuring the establishment of a risk management framework that is compliant with regulatory standards and includes policies and procedures to effectively identify, mitigate and monitor principal business risks arising from the Bank’s business direction and strategic environment.

MUHAMMAD KABIR MUHAMMAD

Chief Strategy Officer

Mr. Muhammad Kabir (MK) is in charge of Strategy at Jaiz Bank. He was the pioneer Chief Financial Officer of the Bank where he set up from the scratch a Shariah-compliant accounting and financial reporting system. He is very versed and highly skilled in the area of Islamic Finance, Islamic Accounting, Corporate Strategy, Corporate Finance as well as Financial Control having worked for a combined period of over eighteen years in spanning private equity, banking and a stint in academics both within Nigeria and the United Kingdom.

As a former conventional Investment and Commercial Banker, MK has extensive experience in the financial services industry. He has previously managed the Structured Finance portfolio of an investment bank, where he developed the project finance and credit derivatives business of the firm. He also had an academic stint at Henley Business School, University of Reading UK, where he taught Corporate Strategy and Management courses.

MK is an AAOIFI Certified Professional (CIPA), and a Charter Holder of the Chartered Institute for Securities and Investments (CISI), United Kingdom as well as Chartered Islamic Finance Analyst (CIFA), Kuwait. He holds a BSc Hons. Accounting and MSc in International Accounting & Consulting (awarded with distinction) from Bayero University and the University of Reading respectively. He got his PhD in Strategic Finance from the Open University, United Kingdom. He is currently pursuing his second PhD in Islamic Finance from Malaysia with a focus on Sukuk disclosure, pricing and risk.

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