Achia holds a Master of Science degree in International relations and Strategic studies from the Benue State University and is a graduate of Humanities from the University of Nigeria, Nsukka. He is also an Associate of the Chartered Institute of Bankers of Nigeria as well as a Fellow of the Institute of Treasury Management of Nigeria. Achia Tor-Agbidye began his work experience with the media before crossing over to Banking where he has gathered appreciable experience in Sales and Marketing for nearly 15 years. During that time, he developed core competencies in Public Sector Banking, Risk Analysis, and relationship management.He has also benefited from several personal and professional

capacity building courses and seminars over the years and he brings this to bear in his position with the Company. He started his banking career with the then Afribank Plc before proceeding to GTBank Plc and subsequently joined First City Monument Bank in 2006 where he rose to be a Branch Manager and later Back Up to the Head of Institutional Banking for the North Central Zone. Achia joined Credit Direct Limited in April 2013 as pioneer Regional Business Manager for the North and now serves as the Head, Public Sector Sales driving our flagship product the Sharp Sharp loan before being appointed pioneer Divisional Head Customer Experience and Corporate Communications in September 2018.