NTUNGWANAYO Masumbuko is an economist and lecturer-researcher specializing in financial economics, banking, and credit risk analysis. He holds a Master’s degree in Financial Economics and Banking and a Master of Specialization in Finance, and has over nine years of international professional experience in higher education leadership and financial institutions. He previously served as Director General of the Institut Universitaire Libre d’Afrique (INILAQUE) in Burundi, where he led strategic planning, institutional governance reforms, quality assurance systems, and academic program development. His academic and professional interests focus on financial analysis, institutional governance, regulatory compliance, and higher education quality management. Trilingual and experienced in multicultural academic and professional environments, he is currently based in Belgium.