Alhaji Muhammad Musa Bello was born  in 1959 in Adamawa state. He is a graduate of Ahmadu Bello University (ABU), Zaria, where he obtained a B.Sc. in Management with a major in Banking and Finance in 1980 as well as an MBA in the same field.

As an expert in banking, industry, business and public service, he was at various times in charge of credit and marketing at the ICON Merchant Bank Plc and later a Director at Habib Bank Plc and several other top ranking firms.

He was Managing Director of the Bakabure Industrial Complex, Yola. He also has been member of several sub-committees of the defunct Technical Committee on Privatization and Commercialization (TCPC). He has been very active in the promotion of enterprise and commerce in Adamawa State, and played an active role as an official of the Adamawa Chamber of Commerce, Industry, Mines and Agriculture (ACCIMA).