Role: Lead Consultant- West Africa
Employer: CRA Global Development
Nationality: Nigerian

Profile Summary:
Ms. Regina Bamaiyi is a results-driven professional with over a decade of experience in educational organizations, enterprise development, and project management. With a strong background in financial economics, she brings extensive expertise in business coaching, financial quality assurance, and risk-based program monitoring. Regina is adept at fostering innovation, promoting entrepreneurship, and delivering capacity-building initiatives that drive economic growth and development across Nigeria.

Educational Background:

• MSc Financial Economics – Nigerian Defence Academy, Kaduna, Nigeria (2020)
• BSc Economics – Ahmadu Bello University, Zaria, Nigeria (2005)

Professional Experience:

1. CRA Global Development (2024 – Present)
   Consultant
   • Contributes to projects aimed at enhancing SME development and financial access.
   • Provides expertise in business planning, financial analysis, and enterprise promotion.
   • Engages in research and analysis to inform strategic initiatives.
2. Chief Enterprise Officer, Small and Medium Enterprise Development Agency of Nigeria (SMEDAN) (January 2019 – Present)
   • Manages small business project activities, including the development of business plans and financial analyses for startups.
   • Identifies and promotes opportunities for innovation and entrepreneurship projects nationwide.
   • Plans, delivers, and evaluates business development workshops and seminars.
   • Organizes industry-targeted events to foster technology transfer and entrepreneurship.
   • Prepares and manages capital budgeting and expenditure planning.
   • Provides training sessions on new business initiatives and monitors capability-building activities.
   • Develops strong relationships with local, national, and international organizations.
   • Conducts research and data analysis on project outcomes for key stakeholders.
3. Senior Enterprise Officer, SMEDAN (December 2010 – January 2019)
   • Sourced and managed procurement of consultancy services from MSMEs.
   • Prepared feasibility studies and managed product development services for MSMEs.
   • Supervised workshops and training events, overseeing speakers, tutors, and attendees.
   • Developed professional development programs for SMEDAN staff.
   • Led recruitment and induction processes for workshop and seminar participants.
   • Served as Desk Officer for the Africa Growth and Opportunity Act (AGOA).
4. Project Coordinator, Equity Advocate Nigeria (Volunteer) (November 2009 – December 2010)
   • Planned and organized project activities, ensuring timely and budget-compliant execution.
   • Communicated with project partners and beneficiaries to maintain effective stakeholder engagement.
   • Managed project budgets and tracked expenses.
   • Conducted research on equity issues, analyzing data and reviewing policies.
   • Assisted in developing advocacy materials and organizing outreach efforts, including workshops and seminars.
5. Accounts Officer, Trustfund Pensions Plc., Abuja (September 2007 – November 2009)
   • Maintained and updated financial records for the organization.
   • Managed accounts payable processes and prepared financial reports.
   • Prepared annual company accounts and ensured compliance with financial regulations.

Professional Training:

• 2023 – GIZ/SEDIN Training of Trainers for Financial Coaches (TOTFC)
• 2022 – Enterprise Development Centre (EDC) Agricultural Value Chain Programme
• 2021 – KOICA Policy Sharing Programme
• 2019 – Japan International Cooperation Agency (JICA) – Financial Access for Small and Medium Enterprises Promotion (6-week technical training)
• 2008 – Database Management (Oracle)

Key Skills and Expertise:

• Business coaching and mentoring
• Financial quality assurance and planning
• Education management and enterprise promotion
• Project planning, management, and evaluation
• Microfinance methodologies
• Leadership and staff development
• Research and data analysis
• Technical entrepreneurship advice
• Product development and innovation
• Relationship building with stakeholders

Languages:

• English: Fluent

Achievements and Contributions:

• Successfully managed nationwide entrepreneurship and innovation projects that fostered SME growth.
• Played a pivotal role in capacity-building initiatives and workshops enhancing business development.
• Developed strategic relationships with international organizations to support SME initiatives.
• Contributed to policy discussions and advocacy efforts promoting equity and economic empowerment.

Ms. Regina Bamaiyi’s extensive experience in enterprise development and her commitment to fostering innovation make her an invaluable asset to CRA Global Development. Her expertise not only enhances the firm’s capabilities but also contributes significantly to driving economic growth and supporting SMEs in emerging markets.

Role: Consultant
Employer: CRA Global Development
Nationality: Gabonese

Profile Summary:
Ms. Ariane Ephemia Ndzignat Mouteyica is a distinguished economist and credit analyst with a robust background in development economics and macroeconomic research. With a PhD in Economics from the University of Johannesburg, she brings a wealth of expertise in economic modeling, sovereign risk analysis, and credit rating systems. Her career spans academia and consultancy, where she has combined rigorous research with practical applications to drive impactful economic projects across emerging markets.

Educational Background:

• PhD in Economics – University of Johannesburg, South Africa (2023)
• Master of Commerce in Development Economics – University of Johannesburg, South Africa (2017)
• Bachelor of Commerce Honours in Economics – University of Johannesburg, South Africa (2014)

Key Professional Training:

• Macroeconomic Modelling Workshop – African Development Bank Group (2020)
• Research Econometrics Workshop – Johannesburg, South Africa (2019)
• Survey Data Analysis using Stata – Johannesburg, South Africa (2017)
• Time Series Data Analysis using Eviews – Johannesburg, South Africa (2017)

Languages:

• French: Fluent in speaking, reading, and writing
• English: Proficient in speaking, reading, and writing

Professional Experience:

1. CRA Global Development (2021 – Present)
   Economic Analyst
   • Contributed to the Global Survey of SME Credit Rating Agencies, a project commissioned by the World Bank/IFC.
   • Played a pivotal role in assisting the Nigerian government through SMEDAN to establish the world’s largest SME Grading System.
   • Conducted economic research on sovereign states with a focus on credit ratings and sovereign risk.
   • Delivered analyses of macroeconomic trends and their financial market implications, advising on strategies to optimize sovereign metrics.
   • Presented findings to clients and stakeholders, providing actionable insights into credit and economic development.
2. University of Johannesburg (2017 – Present)
   Assistant Researcher / Administrative Assistant
   • Supported research initiatives in the Department of Economics, including data collection, analysis, and report preparation.
   • Assisted in the publication of research papers and coordinated logistics for various academic projects.
3. University of Johannesburg (2014 – 2016)
   Tutor
   • Taught undergraduate courses in macroeconomics, microeconomics, and French.
   • Provided academic support to students, fostering a strong foundation in economic principles and language proficiency.

Areas of Expertise:

• Macroeconomic modeling and econometric analysis
• Credit risk assessment for sovereign and quasi-government entities
• SME grading systems and development-focused economic research
• Data-driven policy recommendations and stakeholder engagement

Notable Projects:

• Played an instrumental role in the development of Nigeria’s public sector SME grading system, a groundbreaking initiative to support SME growth and financial inclusion.
• Conducted a comprehensive survey on SME credit rating agencies globally, providing critical insights for international financial institutions.

Dr. Mouteyica’s combination of academic excellence, professional experience, and multilingual proficiency positions her as a key contributor to economic development and credit rating advancements in emerging markets.

Role: Consultant
Employer: CRA Global Development

Profile Summary:
Alexander Liam Hamilton is an emerging economist and consultant with expertise in economic analysis, econometrics, and financial modeling. With a strong academic foundation in Economic Science and Politics, Philosophy, and Economics, Alexander combines analytical rigor with practical experience across credit rating, investment banking, and data analysis. As an external consultant with CRA Global Development, he brings a fresh perspective to economic research and consulting projects.

Educational Background:

• Honours in Economic Science (BEconSci) – University of the Witwatersrand, South Africa (2023)
  • Dissertation: The Impact of the Homegrown Player Rule on Transfer Prices in the English Premier League (with Prof. Volker Schoer).
• Bachelor of Commerce in Politics, Philosophy, and Economics – University of the Witwatersrand, South Africa (2022)

Professional Experience:

1. CRA Global Development (2023 – Present)
   External Consultant
   • Supports research and analysis related to credit ratings, focusing on econometric models and macroeconomic trends.
   • Provides insights into SME grading systems and financial metrics.
2. Private Tutor (2019 – Present)
   • Offers specialized tutoring in English Home Language, Macroeconomics, Econometrics, and STATA.
   • Develops tailored learning strategies to enhance academic performance for clients.
3. Investment Banking Intern, Rand Merchant Bank (July 2023)
   • Gained exposure to financial markets, corporate finance, and investment banking operations.
   • Conducted preliminary analyses and collaborated on financial research projects.
4. Data Capturer, Independent Examinations Board (IEB) (2019 – 2021)
   • Processed and managed examination data with a focus on accuracy and efficiency.

Key Skills and Expertise:

• Economic analysis and econometric modeling.
• Proficient in STATA, financial modeling, and data analysis.
• Strong communication and research skills, with experience in academic and professional settings.
• Tutoring expertise across economics and quantitative disciplines.

Languages:

• English: Fluent

Achievements and Contributions:

• Authored a dissertation analyzing the effects of policy changes on English Premier League transfer prices, reflecting innovative research capabilities.
• Gained hands-on experience in credit rating and investment banking through internships and consulting roles.
• Demonstrated commitment to academic excellence and professional development through diverse experiences.

Alexander Hamilton’s combination of academic rigor, practical experience, and analytical skills positions him as a valuable external consultant for CRA Global Development. His interdisciplinary expertise and innovative approach add depth to the firm’s economic research and consulting projects.

Role: Senior Consultant
Employer: CRA Global Development
Nationality: South African

Profile Summary:
Zaakirah Ismail Halim is a seasoned economist with over a decade of experience in economic analysis, policy development, and strategic advisory. As a Senior Economic Analyst at CRA Global Development, Zaakirah plays a vital role in driving innovative solutions for sovereign ratings and SME finance access. Her expertise spans consulting, academic research, and policy advisory, making her a key contributor to transformative projects in emerging markets.

Educational Background:

• Master of Commerce in Economics – Wits University, South Africa (2012)
• Honours in Economic Science – Wits University, South Africa (2009)
• Bachelor of Commerce in Economics and Business Finance – Wits University, South Africa (2005)

Professional Experience:

1. CRA Global Development (Mar 2023 – Present)
   Senior Economic Analyst
   • Leads economic analyses for major initiatives.
   • Plays a central role in supporting Nigeria’s SMEDAN project to establish the world’s largest SME grading system.
   • Develops consulting solutions to address gaps in credit rating frameworks and create public sector SME ecosystems.
   • Provides strategic insights and actionable recommendations to governments and SMEs, enhancing financial decision-making and access to credit.
2. DNA Economics (Feb 2021 – Jan 2023)
   Economist
   • Conducted economic research and trend analyses to support client decision-making across various sectors.
   • Developed economic models and provided advisory services to inform policy development and business strategies.
3. Standard Bank (Apr 2019 – Apr 2020)
   Economist
   • Provided market analysis, economic forecasts, and strategic insights to clients and stakeholders.
   • Produced reports and engaged in strategic planning to align research outputs with business objectives.
4. National Energy Regulator of South Africa (NERSA) (Jan 2013 – Dec 2014)
   Junior Economist
   • Conducted tariff assessments, market studies, and regulatory policy analyses.
   • Supported stakeholder engagements and collaborated on the development of regulatory guidelines.
5. Wits University (Jul 2010 – Dec 2014)
   Lecturer
   • Taught undergraduate and postgraduate courses in economics, fostering academic excellence among students.

Key Skills and Expertise:

• Sovereign credit ratings and SME finance analysis.
• Economic research and policy development.
• Regulatory frameworks and market trend analysis.
• Strategic advisory and stakeholder engagement.

Languages:

• English: Fluent/ Native

Achievements and Contributions:

• Integral to Nigeria’s public sector SME grading system initiative, enhancing SME ecosystems and financial accessibility.
• Contributed to the Global Survey of SME Credit Rating Agencies, providing critical insights into global credit frameworks.
• Academic and professional experience that bridges research, consultancy, and policy advisory.

Zaakirah Ismail Halim’s extensive expertise and strategic approach make her an invaluable asset to CRA Global Development. Her commitment to driving impactful economic initiatives is evident in her contributions to public and private sector projects across Africa.

Role: Consultant
Employer: CRA Global Development
Nationality: South African

Profile Summary:
Anele Slater is a skilled economist and researcher with expertise in industrial development, economic modeling, and entrepreneurship. Currently pursuing a PhD in Economics with a focus on industrial development, Anele combines academic rigor with practical experience to contribute to transformative economic initiatives in emerging markets. At CRA Global Development, she plays a pivotal role in conducting research and economic modeling to support impactful projects across South Africa and Nigeria.

Educational Background:

• Doctor of Philosophy (PhD) in Economics (Industrial Development) – University of Johannesburg (2022–2024, In Progress)
• Master of Management in Entrepreneurship – Wits Business School (2019)
• Bachelor of Commerce Honours – University of the Witwatersrand (2017)
• Bachelor of Commerce in Industrial Psychology, Human Resource Management, and Business Management – University of Johannesburg (2016)

Professional Experience:

1. CRA Global Development (Jan 2023 – Present)
   Consultant
   • Conducts advanced economic modeling and research activities to inform business and policy decisions.
   • Supports CRA’s cross-border initiatives, including SME grading and economic development projects in South Africa and Nigeria.
2. Human Sciences Research Council of South Africa (May 2019 – Feb 2022)
   Researcher
   • Performed data analysis and research for projects focused on social and economic development.
   • Collaborated on multidisciplinary research teams to produce actionable insights and recommendations.

Key Skills and Expertise:

• Economic modeling and industrial development analysis.
• Data analysis and interpretation for policy and strategic development.
• Expertise in entrepreneurship and business management.
• Strong academic foundation in industrial psychology and human resources.

Languages:

• English: Fluent

Achievements and Contributions:

• Integral contributor to CRA Global Development’s research and economic initiatives.
• Strong academic and professional background in industrial development, bridging theoretical insights with practical applications.
• Experience working on projects in both South Africa and Nigeria, reflecting cross-border expertise.

Anele Slater’s academic dedication and professional experience make her a key asset to CRA Global Development. Her focus on industrial development and entrepreneurship positions her to deliver innovative and impactful economic solutions in emerging markets.

Role: Consultant
Employer: CRA Global Development
Nationality: South African

Profile Summary:
Mr. Tshepiso Lefoka is an accomplished economist and research analyst with expertise in competition regulation, energy markets, and SME development. A key member of CRA Global Development, he applies his analytical acumen to drive impactful projects in the SME sector, leveraging his extensive experience in economic research, policy analysis, and financial modeling. Recognized for his academic excellence, Tshepiso is a member of the prestigious Golden Key International Honour Society and holds advanced degrees in economics and competition regulation.

Educational Background:

• Master of Commerce in Competition and Economic Regulation – University of Johannesburg, South Africa (2023)
• Bachelor of Commerce Honours in Economics (Cum Laude) – North-West University, South Africa (2017)
• Bachelor of Commerce in Economics – North-West University, South Africa (2016)

Professional Experience:

1. CRA Global Development (Jan 2024 – Present)
   Research Analyst
   • Integral contributor to CRA’s SME-related projects, focusing on economic analysis and policy development.
   • Leads research initiatives to enhance SME access to finance and optimize economic metrics.
2. National Energy Regulator of South Africa (NERSA) (Dec 2022 – Nov 2023)
   Junior Analyst
   • Conducted financial modeling for energy pricing and tariffs, with a focus on natural gas, LNG, and Brent crude oil.
   • Analyzed regulatory and policy issues and provided advocacy research to support competition initiatives.
   • Monitored commodity prices, inflation, and currency fluctuations to assess economic impacts on energy investment projects.
3. CRA Global Development (Feb 2022 – Aug 2022)
   Junior Economist
   • Conducted economic research on sovereign states and supported macroeconomic and sovereign risk analysis.
   • Delivered insights on credit risk and financial market trends, contributing to client strategies and presentations.
4. National Department of Trade, Industry, and Competition (the dtic) (Apr 2018 – Mar 2020)
   Research Assistant
   • Provided research and logistical support for projects, including data collection, analysis, and stakeholder engagement.
   • Coordinated bid processes and contributed articles for regulatory debates and trend reports.

Key Skills and Expertise:

• Financial modeling and policy analysis in energy and competition sectors.
• Macroeconomic and SME research with a focus on credit ratings and risk assessment.
• Expertise in pricing mechanisms, commodity market analysis, and regulatory frameworks.
• Strong presentation and stakeholder management capabilities.

Languages:

• English: Fluent

Achievements:

• Member of the Golden Key International Honour Society, recognizing academic excellence.
• Academic achievements include graduating with honors and distinction in economics.

Mr. Tshepiso Lefoka’s robust academic background, coupled with his professional expertise in economic regulation and SME development, positions him as a key contributor to CRA Global Development’s mission. His analytical rigor and commitment to impactful research make him a valuable asset in advancing economic initiatives across emerging markets.

Role: Consultant
Employer: CRA Global Development
Nationality: South African

Profile Summary:
Ms. Sanaya Meherjina is a distinguished economist and academic, renowned for her analytical expertise and contributions to economic research and education. A key member of CRA Global Development, she has been instrumental in delivering impactful economic solutions, including cross-border projects. Sanaya’s exceptional academic background, combined with her professional experience, positions her as a leading expert in economic development and analysis.

Educational Background:

• Master of Commerce in Economics – University of KwaZulu-Natal (2016)
• Bachelor of Business Science in Economics (Cum Laude) – University of KwaZulu-Natal (2015)
• National Senior Certificate (NSC, Matric) – Westville Girls High School (2011)
  • Featured among the top-performing matriculants in South Africa.

Professional Experience:

1. CRA Global Development (2020 – Present)
   Economic Analyst
   • Contributed to large-scale economic development projects, including CRA’s initiatives with the African Union and our international credit rating solution.
   • Conducted rigorous economic research and analysis, supporting data-driven policy recommendations and business solutions.
   • Delivered presentations and collaborated with cross-disciplinary teams to achieve project objectives.
2. Regent Business School (2017 – 2020)
   Lecturer of Economics
   • Taught Economics at the MBA level, Master’s in Economics, and undergraduate levels.
   • Designed and delivered comprehensive course material, ensuring academic excellence and student engagement.
   • Mentored postgraduate students, guiding research and fostering critical economic thinking.

Key Skills and Expertise:

• Macroeconomic and microeconomic analysis.
• Policy development and data-driven economic strategies.
• Academic instruction and research mentorship at postgraduate levels.
• Proficient in quantitative and qualitative research methodologies.

Languages:

• English: Fluent

Achievements:

• Recognized as one of South Africa’s top-performing matriculants in 2011, highlighting her academic excellence from an early stage.

Sanaya Meherjina’s blend of academic rigor and professional experience makes her a cornerstone of CRA Global Development’s success. Her ability to translate complex economic concepts into actionable insights has made a lasting impact on both her students and the economic projects she has led.

Role: Consultant
Employer: CRA Global Development
Nationality: South African

Profile Summary:
Mr. Bashni Chetty is an experienced economist and risk manager with a strong background in sovereign risk analysis, economic research, and risk mitigation strategies. With a career spanning roles in financial institutions, asset management, and consulting, he has developed expertise in creating innovative credit rating and grading solutions, contributing to economic development projects across South Africa and Nigeria. His current role at CRA Global Development focuses on advising governments and stakeholders on building robust public sector SME ecosystems through data-driven insights and risk management frameworks.

Educational Background:

• Bachelor of Arts in Economics
• Country and Sovereign Risk Analysis Course

Professional Experience:

1. CRA Global Development (Jan 2024 – Present)
   • Produces detailed reports and ratings with actionable insights and recommendations.
   • Assists governments in establishing public sector SME ecosystems using innovative credit rating and grading frameworks.
2. Asset Manager, KR Centre (Feb 2017 – Feb 2023)
   • Recommended and implemented comprehensive risk management solutions, including insurance and business continuity plans.
   • Directed a major property overhaul, ensuring compliance through inspections and audits.
   • Guided operational strategies for the Board, implementing regulatory frameworks and policies to mitigate risks.
3. Country and Sovereign Risk Manager, ABSA Group (Oct 2007 – Jul 2015)
   • Conducted in-depth research and analysis on country and sovereign risks, providing strategic mitigation solutions.
   • Supported in-country operations by minimizing country risk exposures and managing sanctions.
   • Delivered presentations to Group credit executives and trained staff in London on risk management practices.
   • Built and maintained strong stakeholder relationships across Africa, aligning risk strategies with business objectives.
4. Group Economist, ABSA (Jan 2006 – Sep 2007)
   • Conducted research and analysis on domestic and international economic trends.
   • Produced and maintained Alco and ERM reports as an Africa Economist.
   • Collaborated with business units to address economic challenges, leveraging expertise in bank instruments and policies.

Key Skills and Expertise:

• Sovereign and country risk analysis.
• Economic research and strategic reporting.
• Development and implementation of risk management solutions.
• Expertise in regulatory frameworks, compliance, and stakeholder management.

Languages:

• English: Fluent

Achievements and Contributions:

• Led transformative projects in property and risk management, ensuring regulatory compliance and operational efficiency.
• Designed and implemented country risk strategies that supported business growth while mitigating exposures.
• Provided actionable insights for governments and financial institutions to address economic challenges.

Mr. Bashni Chetty’s extensive experience in sovereign risk and economic research makes him a valuable asset to CRA Global Development. His ability to integrate strategic insights with practical solutions positions him as a key contributor to the firm’s mission of driving impactful economic development initiatives in emerging markets.