Aylwin Chiyoka is an accomplished financial services leader with extensive experience in Banking, Risk Management, Financial Strategy, Operations, and Digital Transformation. He has a proven track record of driving change, managing cross-functional teams, optimizing processes, and enhancing customer experiences. As Head of Consumer Banking and Value-Added Services at NMB Bank, Aylwin oversees Retail Banking, Mortgages, Agency Banking, Bancassurance, Money Transfer Platforms, and Digital Banking Initiatives. He has successfully led major transformation projects, fostering innovation and financial inclusion. Aylwin holds a Senior Management Development Programme for Africa (Stellenbosch), an Executive MBA (MSU), and a BComm in Financial Management (UNISA). He is a member of the Institute of Risk Management (SA) and has completed various international training programs in operational risk, credit management, and strategic leadership. He is also skilled in business process optimization, regulatory compliance, stakeholder engagement, financial performance management, and leveraging technology to enhance banking services.