We breathe
life into your ideas.

plan

earn

spend

thrive

breath

Our Ethos

Our purpose is to make an impact in Africa

We have a vision to be the world's most respected African consumer lending business

We are driven by our ambition to be the largest, most sustainable, non-bank consumer

lending business in Africa

Our Values

We are guided by our values to a future where simple, accessible credit is a reality for everyone.

Service

We strive to be of service to others and provide truly exceptional service

Integrity

We do what is right even when no one is looking

Innovation

We challenge the status quo and pioneer new ways of doing things

Excellence

We strive to be exceptional in everything we do

TheBoard

We are guided by our values to a future where simple, accessible credit is a reality for everyone.

Obeahon Ohiwerei

Femi Johnson

Egbe Otubu

Segun Ogbonnewo

Kola Ajimoko

Daniel Awe

Mr. Ohiwerei is a distinguished banking professional with a career spanning several decades. He served as Group Managing Director/CEO of Keystone Bank, co-founded First Ally Capital, where he was the Group Deputy Managing Director, and was Group Executive Director at Access Bank (Nigeria). His extensive board appointments include directorships at multiple Access Bank subsidiaries (Gambia, Sierra Leone, and Ghana), Access Homes and Mortgages, Intercontinental Bank (Ghana), and the Financial Institutions Training Centre (FITC).

Mr. Johnson is a seasoned professional with over 25 years of experience in the banking and finance sector. He is the Managing Director and CEO of Homebase Mortgage Bank, a position he has held since 2007. He is also a Director at the Nigeria Mortgage Refinance Company (NMRC) and Mortgage Warehouse Funding Limited (MWFL). Additionally, he is a Board of Trustee member of the Mortgage Banking Association of Nigeria (MBAN), where he previously served as President from 2013 to 2017.

Mrs. Otubu is the Managing Director of Merton Properties, where she has been driving the company's sales, leasing, property and estate development, and renovation activities since 2016. Since 2002, she has also served as Principal at Egbe Otubu and Co. Prior to these roles, she was the Managing Director of Gardenview Ltd from 2002 to 2012, where she provided strategic leadership to enhance service culture and client satisfaction.

Mr. Ogbonnewo is a seasoned professional with extensive experience in the banking and financial services industry. Since September 2017, he has been the Operating Director at Tengen Family Office and holds Non-Executive Director roles at WAPIC Insurance Plc and United Securities Ltd. He has made significant contributions to the Payments Systems and Electronics Business banking community, serving as Chair of a sub-working Committee for the Payments Systems Vision 2020 of the Central Bank of Nigeria (CBN) and as a member of the Advisory Board of Verve International.

Mr. Ajimoko is a distinguished professional with a robust background in banking and finance. He is the General Manager and Chief Risk Officer for Subsidiaries at Access Bank. Before Access Bank, Kola had a notable tenure at Citibank, serving as Assistant Vice President and Head of Operations Control at Citibank Senegal, and holding several managerial roles at Citibank Nigeria.

Mr. Awe is a highly accomplished professional with extensive experience in the financial technology and banking sectors.

Our Team

We are guided by our values to a future where simple, accessible credit is a reality for everyone.

Dan Watts
CRO
Adeyemi Ogundahunsi
CFO
Frank Iseh
CISO

Dan Watts

Adeyemi Ogundahunsi

Frank Iseh

Experienced Senior Credit Risk professional who has developed a broad career across the full breadth of the credit risk cycle in both emerging and developed markets. Significant experience working in fintech businesses having held Senior Credit Risk & Director level roles at Renmoney, Carbon & Umba, developing innovative solutions and sustainable digital lending portfolios.

He is an Associate member of the Institute of Chartered Accounts of Nigeria (ICAN). He is also an Associate member of the Institute of Chartered Economists of Nigeria (ICEN). Prior to joining Oxygen X Finance Company Ltd, he was the Group Chief Finance Officer of VFD Group Plc, a proprietary investment company with a portfolio of over 40 businesses across various sectors. He was at different times CFO of VFD Microfinance Bank Ltd, VFD Bridge Ltd and VFD Tech Limited.

Frank Iseh is a cybersecurity professional with over a decade of experience in the financial sector, delivering secure, resilient, and business-aligned security solutions. He specializes in cloud security, security operations, incident detection and response, vulnerability management, and regulatory compliance. With strong leadership experience, Frank drives cybersecurity strategies that protect critical assets while supporting organizational growth and operational excellence. His expertise spans governance, risk management, and compliance, ensuring security initiatives align seamlessly with business objectives. Frank holds globally recognized certifications including CISSP, CISM, CISA, and CRISC.

Sustainability

We exist to make a positive impact in Africa

We are committed to meeting the world's financial needs in economically, socially and environmentally responsible ways while impacting our communities