Mrs. Nwoke holds a Bachelors Degree in Economics from the University of Abuja. She is a seasoned banker with over eight years banking experience, with competences in Business Development, Credit Administration, but with a special bias in banking operations. While in First City Merchant Bank, now First City Monument Bank, Joyce was instrumental to the success of the operations of her branch. She rose to the position of the acting head of operations in the bank.
She joined United Bank for Africa in 2004 where she gained much experience and rose to the position of Head, Savings Department of the Main Branch of UBA in Abuja. Joyce has an Advanced Certificate in Computer Fundamentals. She is also a member of the Nigerian Institute of Management. Joyce has brought her wealth of experience to Hasal Microfinance Bank, having attended several professional courses on banking operations, customer service, and risk management.