Yigermal Meshesha

Led Ethiopia's digital financial transformation delivering AI-based products across five verticals, enabled access to over $420M in uncollateralized credit and helped support 1.1M+ MSMEs while generating $3.2M+ in revenue.

Scaled Qena digital lending operations enabling $135M+ in credit access and processing 750K+ loans through AI-driven underwriting and micro-lending tools.

Directed commercial growth, strategic alliances and product distribution to establish the company as a product-led, data-driven fintech across regions.

Advised fintech startups and SMEs on trade finance, regulatory frameworks, transaction structuring and digital product development in emerging markets.

Secured partnerships with banks and global remittance agencies, launched 12+ financial products and negotiated BIN sponsorships to enable Visa and Mastercard payment services.

Maintained board resolutions and regulatory documentation to ensure governance and compliance across the organisation.

Led Islamic finance research and education initiatives for the Ethiopian market, aligning local products with global Shariah principles.

Supervised operations and marketing for 10 branches, improving market penetration and customer engagement through coordinated campaigns and KPI-driven management.

Managed daily branch operations and product sales, consistently exceeding revenue and budget targets.

Controlled branch financials and supported operational controls during a short-term assignment.

Provided front-line customer service and supported transactional operations across retail banking channels.

Master's degree in Financial Technology with focus on digital financial services and inclusive finance.

Bachelor's degree in Accounting providing foundational knowledge in accounting principles and financial management.

Completed professional qualification from The Chartered Institute for Securities & Investment focused on securities and investment knowledge.