A banker with 27 years banking experience covering International Banking, Retail Banking, Corporate Banking, Electronic Banking and Microfinance, 16 years of which were at senior management level. Timothy is a Certified Microfinance Expert (Frankfurt School of Finance & Management), and is a holder of a Masters Degree in Business Intelligence (MBI) among other professional qualifications and his last position in the financial services sector was Head of Retail Banking at Lion Finance Zimbabwe, a registered Deposit Taking Microfinance Institution