Director
MAHMUD SULAIMAN
B. Tech, PGD, MBA, MIFP, MCMI, MIMC
Mahmud Sulaiman is an accomplished business leader and strategist with over two decades of experience spanning business development, market expansion, and organizational transformation. His career is distinguished by a consistent record of driving growth through strategic foresight, operational excellence, and people-centered leadership.
He began his professional journey in 2005 with Guaranty Trust Bank (GTBank), where he was part of the Public Sector Group and gained valuable experience in relationship management and stakeholder engagement. His deep understanding of business process management and change implementation has shaped his leadership philosophy, one rooted in efficiency, innovation, and sustainable growth.
Mahmud went on to make a remarkable impact at Pension Alliance Limited (PAL), where he served as Regional Head, North. Over eight years, he successfully led operations across 19 locations, including the FCT, managing over 70 staff and driving consistent regional growth through strategy execution and process optimization.
Before joining CardinalStone Pensions, Mahmud served as Head of Business Development and later Acting Managing Director at Guaranty Trust Pension Managers. In this role, he spearheaded transformative reforms that significantly boosted acquisition and funding ratios, restructured market operations, and delivered measurable improvements in team productivity and performance.
A lifelong learner and strategist, Mahmud holds a Bachelor’s Degree in Agricultural Technology from Abubakar Tafawa Balewa University, a Post-Graduate Diploma in Business Administration from the University of Abuja, an MBA in Strategy from the University of Aberdeen (UK), and a Master’s in Islamic Finance Practice (MIFP) from INCEIF, Malaysia.
He is a certified PRINCE2 Practitioner, a Member of the Chartered Management Institute (CMI), UK, and the Institute of Management Consultants (MIMC), Nigeria. He also holds the Investment Foundations Certificate from the CFA Institute. His executive education includes programs from the University of Cranfield School of Management, Deloitte, H. Pierson, Phillips Consulting, Lagos Business School, and IBFC Agusto.
Mahmud is an alumnus of the McKinsey Black Leadership Academy’s Management Accelerator Program, where he earned certifications in Adaptability & Resilience, Problem Solving, and Business Strategy.
Renowned for his visionary leadership, strategic communication, and ability to inspire teams across generations, Mahmud brings to CardinalStone Pensions a blend of discipline, innovation, and passion for excellence, driving the organization’s mission to redefine the future of pension management in Nigeria.
Head Of Finance
BUKOLA JOSHUA
Bukola Joshua is the Chief Financial Controller at CardinalStone Pensions, where he oversees the finance functions. Before joining CardinalStone Pensions, he served as the Financial Controller at CardinalStone Partners Ltd, managing the financial reporting, budgeting and tax management functions for the group. With over 13 years of experience as a professional accountant, his areas of specialization include financial reporting, budgeting, treasury, and tax management.
He began his professional career at Moadok Ltd and later joined Zenith General Insurance Ltd as a Financial Reporting Accountant, where he played a pivotal role in maintaining a robust financial system and ensuring compliance with regulatory returns.
Bukola is an Associate Member of the Institute of Chartered Accountants of Nigeria (ICAN). He holds a Bachelor’s degree in Accounting from Lagos State University and a Master’s degree in Finance from the University of Lagos. He is currently pursuing an Executive MBA from the prestigious Lagos Business School.
Head of ICT
EMMANUEL P. ETIM
Emmanuel Patrick Etim is an experienced ICT professional and Database Administrator with over 17 years of expertise in designing and implementing Microsoft SQL Server solutions. He holds a Higher National Diploma in Computer Science and a Postgraduate Diploma in Information Technology, complemented by multiple professional trainings in Computer and Information Technology.
He is a member of the Computer Professional Registration Council of Nigeria (CPN) and has held key positions in leading organizations. Before joining CardinalStone Pensions, he served as Head of ICT at Evergreen Pensions Ltd and Oak Pensions Limited.
As a software solutions provider, he played a pivotal role in designing and developing an enterprise solution for the Nigerian pension industry while working with Sybase Nigeria (now Covenant Visions International).
Head of Investment
JERRY NNEBUE
Jerry brings over 11 years of experience in banking, finance and investments. He currently serves as the Head of Investment at CardinalStone Pensions, where he oversees the management of various funds.
Before his current role, Jerry was a senior portfolio manager at CardinalStone Asset Management, where he supported the management of the firm’s investment portfolios, including separately managed funds and mutual funds across different asset classes. During this time, he also led the evaluation and appraisal of alternative investment opportunities, including real estate and infrastructure projects.
Earlier in his career at CardinalStone, Jerry was an investment strategist within the Research Department of the firm, where he jointly drove research and investment strategies across both traditional and alternative asset classes. In that capacity, he co-led the team to win the 2022 and 2023 editions of BusinessDay’s Banks and Other Financial Institutions (BAFI) award for the Equities Research Firm of the Year.
Jerry has a bachelor’s degree in accounting from the University of Nigeria Nsukka and a Post-Graduate Certificate in Data Science and Business Analytics from the McCombs School of Business, University of Texas, USA, where he finished top of his class. He is also a CFA Charter holder.
Head of Operations (AG)
OLUWATOSIN Y ERUKUBAMI
A seasoned corporate communications and business strategy leader with over 18 years of progressive, cross-sectoral experience driving organizational transformation, strengthening stakeholder engagement, and elevating corporate reputation.
Recognized for her strategic foresight and execution excellence, she consistently delivers initiatives that enhance client experience, optimize operations, and support long-term business growth.
She holds a BSc (Hons) in Economics, an MBA in Marketing from Lagos State University, and an MBA in Corporate Communications from Rome Business School. A member of the Institute of Strategic Management of Nigeria (ISMN), she has also completed advanced Entrepreneurship and Capacity Building training at Lagos Business School. Oluwatosin’s expertise spans strategic communications, lean management, customer
experience leadership, and enterprise-wide process improvement. She is highly regarded for her ability to align communication strategies with business objectives, navigate complex
stakeholder ecosystems, and lead high-performing teams with clarity and purpose.
A dynamic and impact-driven executive, she brings a unique blend of analytical insight, strategic
communication acumen and operational discipline, consistently positioning organizations for
sustainable success in an increasingly competitive business landscape.
Head OF RISK MANAGEMENT
MICHAEL AWOLIYI
Michael Oladisun Awoliyi is a finance and risk management professional with extensive
experience across pensions, asset management, telecommunications, manufacturing, and other segments of the financial services industry. He is currently the Head of Risk
Management at CardinalStone Pensions Limited, where he leads the firm’s enterprise-wide risk management function, covering investment, operational, regulatory, and strategic risk domains.
He has held several senior roles, including Head of Enterprise Risk Management, Strategy & Research at Goldenbridge Asset Management. Acting Chief Risk Officer at Norrenberger
Financial Group and key positions at Trustfund Pensions Limited, where he served as Team Lead for Enterprise-Wide Risk Management, Corporate Strategist, and Budget & Financial Analyst. Across these roles, he built and implemented risk frameworks, drove corporate strategy execution, enhanced financial performance, and strengthened regulatory
compliance.
Michael holds an M.Sc. in Financial Management from the University of Hull, UK, and a B.Sc. in Business Administration from Bowen University, Nigeria. He is a Member of the Chartered Institute for Securities & Investment (CISI, UK), and an Associate Member of both the Chartered Institute of Stockbrokers (CIS) and the Chartered Risk Management Institute of Nigeria (CRMI).
Combining technical depth with strong analytical, communication, and leadership capabilities, Michael is passionate about institutional growth and is committed to building resilient, sustainable, and well-governed financial systems.
