Digital Banking & Fintech
Digital financial services strategy, product development and go-to-market. Mobile Money, Digital Lending and Embedded Finance.
N’Djamena, Chad / EXECUTIVE PROFILE
Fintech. Digital banking. Payments.
I combine business strategy and technology to develop digital financial services, connect banking ecosystems and drive digital transformation.
Head of Digital & Transaction Banking · UBA Chad
Business strategy.
Technology expertise.
Mobile MoneyDigital Financial ServicesPaymentsStrategic Partnerships
01 / EXPERTISE
Connecting strategy
to solutions.
A cross-functional approach to financial services, technology and partnerships.
Payments & Transaction Banking
Digital payments, merchant acquiring and solutions for businesses and institutions. Card services, ATMs and POS terminals.
Integrations & ecosystems
Bank-to-wallet, API, USSD, SMS and Host-to-Host integrations. Connecting banks, Mobile Money operators and technology partners.
Partnerships & leadership
Strategic partnerships, project delivery and stakeholder coordination. Team leadership, mentoring and decision support.
02 / PROJECTS & INITIATIVES
Connecting
financial ecosystems.
Selected projects from my experience in Digital & Transaction Banking.
01
Mobile Money Integration
Integration between UBA Chad and Moov Africa Chad for Mobile Money services.
Mobile Money · Banking integration02
Bank-to-Wallet for Merchants
UBA Chad–Airtel Money Chad integration for merchant payments.
Bank-to-Wallet · Merchant payments03
E-Tax Payment
Tax and public service payments through the bank’s digital channels.
Digital payments · Public services04
Host-to-Host Integration
Banking integration with Coton Tchad / OLAM for corporate services.
Host-to-Host · Corporate Banking05In progress
BIN Sponsorship Program
An ongoing project to develop card solutions and digital financial services for fintech partners.
BIN Sponsorship · Fintech · Cards06In progress
Digital Lending
A project in development focused on digital credit and access to financing through digital channels.
Digital lending · Digital Financial Services07In progress
Customs Collection Integration
An ongoing integration project for customs collection.
Integration · Customs collection08
SMS & USSD Integrations
SMS and USSD integrations between UBA and its technology partners.
SMS · USSD · Integration03 / EXPERIENCE
A dual perspective.
Business & technology.
From data analysis to leading digital financial services.
August 2023 — present
UBA Chad · N’Djamena
Head of Digital & Transaction Banking
Leading digital financial and transaction banking services. Developing payment solutions, coordinating integrations and managing technical and commercial partners. Contributing to digital transformation and the customer experience.
July 2022 — July 2023
UBA Chad · N’Djamena
Team Lead — IT & E-Banking Control Officer
Supervising IT and E-Banking activities, monitoring digital service operations and controls, and analysing and resolving transaction incidents.
May 2018 — June 2022
UBA Chad · N’Djamena
IT & E-Banking Control Officer / Team Member
Controlling E-Banking and transaction operations, reviewing operational accounts and contributing to digital integration projects.
August 2013 — December 2017
FAO · Subregional Office for Central Africa · Libreville
National GIS Consultant
Data collection and analysis, geographic information system design and thematic mapping.
04 / ABOUT
Understand.
Connect.
Transform.
A banking executive with over eight years of experience in financial technology, digital payments and information systems, I have led Digital & Transaction Banking at UBA Chad since August 2023.
My background combines business strategy, technology, card and payment services, and partnership management. I work with banks, Mobile Money operators, fintechs, businesses and public institutions to develop solutions tailored to their needs.
My areas of interest include Mobile Money, BIN Sponsorship, digital lending, merchant payments, Embedded Finance and Banking-as-a-Service.
French: excellent · English: professional working proficiency
05 / EDUCATION & TOOLS
Strong foundations.
2018–2019
Master’s in Geographic Information Systems
AUF / University of Douala / Université Paris-Est Marne-la-Vallée / ENSG Paris
2013–2014
Master’s in Computer Science — Information Systems Design
African Computer Science Institute · Libreville
2009–2011
Master’s in Computer Science Applied to Business Management
African Computer Science Institute · Libreville
2005–2008
Bachelor’s in Computer Science
University of N’Djamena
Digital BankingMobile MoneyPaymentsUSSDSMSAPIHost-to-HostFinaclePythonPHPPostgreSQLMySQLOracleExcelQGISArcGISODKKobo CollectJupyter Notebook
LET'S TALK ABOUT YOUR NEXT PROJECT
Where finance
meets innovation.
Digital financial services, integrations or strategic partnerships: let's discuss your challenges.