Ademu Ugbede serves as the Chief Operating Officer (COO) at MCO Penny Limited, where he plays a pivotal role in driving operational efficiency, financial integrity, and strategic execution across the organization.

With over 10 years of experience in the microfinance industry, Ademu brings deep expertise in both Operations and Risk Management. His hands-on knowledge of core banking processes and risk frameworks positions him as a key driver of sustainable growth and organizational stability.

A graduate of Accounting from the University of Benin, Edo State, he combines academic rigor with a solid foundation in financial systems and operational leadership. He is currently advancing his professional qualifications as a student member of the Institute of Chartered Accountants of Nigeria (ICAN) and has sharpened his analytical capabilities through Data Analytics training at AltSchool Africa.

Known for his structured thinking, data-informed decision-making, and commitment to operational excellence, Ademu brings a results-oriented mindset to every aspect of his work. His leadership continues to shape the internal engine that powers MCO Penny’s bold mission to deliver swift, reliable, and accessible financial solutions to civil servants across Nigeria.

With a passion for continuous improvement and a track record of performance across key business functions, Ademu Ugbede is building the operational backbone that will scale MCO Penny’s impact nationwide.