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Senior Staff Bios

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Verónica Herrera

Verónica Herrera is MiCrédito's Chief Executive Officer. She holds a degree in Public Accounting with a concentration in finance from the National University of Managua, Nicaragua.

She has completed additional studies in Bank Management and has comprehensive knowledge of banking in Nicaragua. More recently, Verónica completed The Strategic Leadership for Microfinance Program at the Harvard Business School.

Verónica's experience ranges from overseeing the financial and managerial operations of MiCrédito, preparing financial statements, raising $2-$5 million in capital funding from national and international organizations, establishing procedures for branch networks and monitoring compliance, ensuring branch compliance with internal and external standards, and managing and coordinating external audits.

Verónica is the 3rd daughter of parents who owned a micro-business. For 11 years, she worked for Nicaragua’s People’s Bank and then began a career working with MEDA. She served as Finance Manager at CHISPA (a MEDA micro-credit program) and later at CONFIA/Procredit (the result of a merger). At CHISPA she participated in the process of transforming the organization into a fully regulated financial institution. At CONFIA, she became key in establishing internal controls, maintaining daily relations with the bank's regulators, and provided timely reporting. A few years later, Verónica gathered a group of close colleagues to serve the rural poor with a brand new micro-finance institution called MiCrédito.


Yerly Salmerón Samayoa

Yerly is MiCrédito's Internal Auditor. She holds a degree from the Universidad Nacional Autónoma de Nicaragua (UNAN-RUCFA) and a post-graduate degree in Human Resources Management from the Polytechnic University of Nicaragua (UPOLI).

Yerly joined the MiCrédito team in March 2015, but she had worked with the institution previously as a consultant on audits and internal monitoring. She is a registered public accountant and an active member of the Nicaraguan College of Public Accountants.

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Moisés Valle Marenco

Moisés is Deputy CEO. He holds a degree in Public Accounting and Finance from the Universidad Evangélica Nicaragüense (UENIC) and a Diploma in Banking from Thomas More University. He has worked in a variety of managerial and accounting roles in several companies.

His most recent position was at Hotel Barceló Managua where he served as the Administrative and Financial Manager and was responsible for managing the hotel's liquidity and coordinating the purchasing, management, warehousing, accounting, treasury, and audit departments. Prior to this, Moisés had worked as a private consultant to several companies including MGI Nicaragua (Crowe Horwath), D & S Consultores, and Universidad Evangélica Nicaragüense. Prior to joining the team, he also provided consultancy services regarding the implementation of the new MiCrédito accounting system. Moisés also has significant experience within the Nicaraguan microfinance sector. He served as the Chief Accountant at both Financiera FAMA and Banco ProCredit and also worked as an Audit Supervisor for PricewaterhouseCoopers (PwC).


Lucia Sánchez Valverde

Lucia is MiCrédito's Risk and Compliance Manager. She grew up in Managua and graduated from the UNI (National University of Engineers) with a degree in industrial engineering specializing in finances, human resources, marketing, and project development. She also has training in money laundering, terror financing, and risk management from United States Inter-American Community Affairs in Miami, FL.

She has managed human resources, created budgets, and reported on finances for national and international institutions across Nicaragua, including Banco ProCredit and Banex. Her latest position was marketing manager with the Well Sebastian L'Oreal headquarters here in Managua. Lucia has strong expectations for her position at MiCrédito. She wants to develop her professional skills, while also learning more about the financial field. MiCrédito gives her the professional arena to do this, while also enabling her to help people like her--Nicaraguans who want to build themselves and their country through self-improvement, especially in the financial world.


Cesia Calderón

Cesia is a young woman who loves to work in a team, she is proactive, positive and diligent. She has been in the microfinance industry for more than 14 years. Graduated from UNICA, with a Degree in Business Economics and has a postgraduate degree in Advanced Finance. Seeing her performance, MiCrédito decided to make her part of the Boulder Institute programs twice, for Rural Microfinance in Turin, Italy, in 2016, and for Microfinance training in 2019, in Washington, DC, USA. Her goal is to continue supporting the training of young employees, develop inclusive projects for microentrepreneurs, and become part of MiCrédito's growth plan.


Lyann Urbina

​Lyann is Social Impact Manager and IR. She holds a degree in Communications from the Universidad Centroaméricana (UCA).

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