Mr. Chilufya Kaka is the Head of Credit at First Capital Bank Limited. He holds an MSc in Finance from the University of Leicester. He is a finance professional with over a decade of experience. Chilufya has held key positions including Country Head of Credit Risk at Atlas Mara Zambia, where he led significant initiatives in digital transformation and risk framework enhancement. His leadership extends beyond technical expertise to fostering a culture of continuous improvement and mentoring, enhancing team capabilities and aligning them with broader organizational goals.