Usman Muhammed Zagga is a seasoned banking professional with over two decades of progressive experience in the Nigerian financial services sector. He commenced his career with Kebbi State Home Savings and Loans Limited in 2003 and has since demonstrated unwavering commitment and versatility across various operational and leadership roles within the bank. His career trajectory includes appointments as Teller, Loan Officer, Internal Audit Officer, Branch Accountant in Argungu, Yauri, and Zuru, and Branch Manager in Argungu. He later served as Head of Accounts at the Head Office before assuming his current role as Head of the Risk Management Department. Usman brings deep institutional knowledge, financial prudence, and strategic risk insight to his current role, where he oversees the development and implementation of robust risk frameworks to safeguard the bank’s assets and ensure regulatory compliance.

His career objective is to strengthen the bank’s risk management framework through proactive identification, assessment, and mitigation of credit and operational risks. To contribute to the bank’s digital transformation initiatives while maintaining strong internal controls and regulatory compliance. To build and lead a high-performing risk management team that supports the long-term sustainability and growth of the institution.