Zubaida Umar possesses a rich mix of professional experience in public policy design and implementation, public-private partnership management and international finance. She has a proven track record of strong leadership, innovation and business growth. Mrs. Umar is a graduate of world class universities including the famous Robert Gordon University Business School, Scotland, where she obtained an MSc in International trade. She also holds a BSc in Business Administration from the Ahmadu Bello University, Zaria. She is an active member of both the Chartered Institute of Bankers and the Institute of Credit Administration of Nigeria. Zubaida has over 20 years of financial advisory as well as strategy development and project management experiences in domestic debt management and mortgage banking in Nigeria.