Musa Dabra
Abuja,Federal Capital Territory
Summary
Technology leader and fintech innovator with strong expertise in AI systems, microfinance digitization, and financial infrastructure development. Founder of Nexttech Innovators and the team behind NextCBA, where I led the onboarding and migration of several MFBs and lending companies, including Microbiz MFB, Viscount MFB, Maigatari MFB, CreditGo, Boxpay, MamaTsafe, Grossave, and Zayn Finance. Skilled in building core banking modules, lending engines, wallets, GL/Account transfer systems, and AI-driven automation tools. I combine engineering experience with strategic leadership to deliver scalable fintech solutions and support institutions in achieving digital transformation.
Overview
6
6
years of professional experience
Work History
Founder
Zayn Financial Inclusion (Pilot Microfinance Project)
08.2025 - Current
- Created Zayn to test and refine NextTech’s financial inclusion systems.
- Conducted a survey of 552 micro-businesses in 1 week as part of market research.
- Launched operations on Sept 24, 2024, achieving 420+ customers in 7 weeks.
- Led rollout of Islamic-compliant (non-interest) loan products and staff training.
- Participated in hiring, onboarding, and training the operations team.
- Designed lending operations, recovery processes, and customer servicing workflows.
Founder / CEO
NextTech Innovators Limited
01.2024 - Current
Product: NextCBA (Core Banking Platform)
- Built and launched NextCBA, a modern core banking infrastructure for MFIs and lending companies.
- Microfinance Banks onboarded:
Microbiz MFB
Viscount MFB - Currently migrating:
Maigatari MFB - Lending Companies onboarded:
CreditGo
BoxPay
MamaTSafe
Grossave
Zayn Finance - Developed modules for lending, savings, GL, teller, user management, reporting, and workflow automation.
- Built onboarding/migration engine, reconciliation systems, and transaction automation.
- Managed infrastructure: Docker, cloud deployment, NGINX reverse proxy, server security, and performance optimization.
- Built an AI Voice Engine for loan reminders, customer engagement, and support.
- Developed WhatsApp Banking powered by an in-house LLM for account queries and transactions.
- Launched the mobile banking app for customers.
- POS Terminal support in development.
- Card Integration in testing stage.
- Field Agents App currently in pilot testing in multiple markets.
Co-founder, Technical Lead
MufasaX Crypto Exchange
03.2024 - 03.2025
- Built a multi-country crypto exchange operating in Senegal, Ivory Coast, and Burkina Faso.
- Designed and implemented full CFA (XOF) fiat on/off-ramp systems integrated with mobile money and local payment gateway rails.
- Led and hired a distributed engineering team across West Africa and India to deliver wallet management, and liquidity systems.
- Implemented blockchain integrations for USDT, SOL, BTC, and custom tokens, including reserve wallet architecture.
- Managed cloud infrastructure, DevOps, security, KYC, and regulatory alignment for Francophone West Africa.
Engineering Lead
Yo-Taxi (E-hailing Startup)
07.2023 - 12.2023
- Recruited and led the engineering team for Yo-Taxi, an e-hailing mobility platform.
- Oversaw backend, mobile app development, infrastructure, and cloud deployment.
- Delivered the product from concept to market launch.
Software Engineer (Core Banking)
Woodcore Inc.
08.2022 - 06.2023
- Redesigned and optimized core banking NIBSS NIP integration for reliability and speed.
- Led development of the Pooler Collection System for virtual account collections and settlements.
- Contributed to backend infrastructure powering financial institutions across Africa.
Software Engineer
SW Global (SWG)
01.2021 - 09.2022
- Developed the Nigerian Bill of Lading Payment Notification System for Nigerian Ports Authority (NPA).
- Worked on the Nigerian Immigration Passport Appointment & Payment system used nationwide.
- Maintained Innovate1Pay, a high-volume payment gateway used by government and private clients.
Product & Technology Lead
Your Daily Store (YDS Online)
01.2020 - 01.2022
- Managed and redesigned ydsonline.com, Miniso Online Store, and YDS Groceries platform.
- Implemented inventory management, accounting workflows, and e-commerce automation.
- Digitized the entire retail operation and improved order fulfillment efficiency.
Education
Bachelor of Science - Computer Science
Ahmadu Bello University Zaria
Zaria, Nigeria09-2018
Skills
- Software Engineering & Architecture
- AI & Automation
- Fintech & Microfinance Systems
- Product & Leadership
- Blockchain & Crypto
Timeline
Founder
Zayn Financial Inclusion (Pilot Microfinance Project)
08.2025 - Current
Co-founder, Technical Lead
MufasaX Crypto Exchange
03.2024 - 03.2025
Founder / CEO
NextTech Innovators Limited
01.2024 - Current
Engineering Lead
Yo-Taxi (E-hailing Startup)
07.2023 - 12.2023
Software Engineer (Core Banking)
Woodcore Inc.
08.2022 - 06.2023
Software Engineer
SW Global (SWG)
01.2021 - 09.2022
Product & Technology Lead
Your Daily Store (YDS Online)
01.2020 - 01.2022
Bachelor of Science - Computer Science
Ahmadu Bello University Zaria