A Certified Public Accountant from Andal Alino, Talavera, Nueva Ecija. Received his college diploma at the Araullo Lyceum Cabanatuan City, with the degree of Bachelor of Science in Commerce. He holds the presidency of the Microfinance Council of the Philippines (MCPI), the Central Luzon Association of Microfinance Institutions (CLAM), and the FAMILIA Foundation of Nueva Ecija, Inc. He is the Chairman of Opportunity Microfinance Bank (OMB) since June 20, 2007 and Vice Chairman of Alliance of Philippine Partners in Enterprise Development (APPEND) since May 10, 2007.