Professional Profile
I am a results-driven Financial Inclusion Innovation Manager, Business Coach, Management Consultant, and Agile Business Transformer, with extensive leadership experience as an MD/CEO, Credit Analyst, and Investment Partner. My career is built on a foundation of empowering businesses through financial innovation, driving growth, and leveraging technology to foster inclusion and sustainability.
My career began in 2009 with AB Microfinance Bank, a multinational institution headquartered in Berlin, Germany, where I rose from a Trainee Loan Officer to Senior Credit Analyst, mastering the intricacies of credit analysis, SME financing, and lending operations. At Letshego Microfinance Bank, I served as a Branch Manager and key trainer, delivering comprehensive induction and seasonal training programs on lending technology while helping launch innovative products like Education and Health Sector Loans.
As Head of the Commercial Department at Nigeria’s first education-focused microfinance institution, Edfin Microfinance Bank, I led efforts to expand market reach and drive customer-centric solutions to low cost private schools in Lagos. I later assumed the role of MD/CEO at Lifegate Microfinance Bank Limited, where I guided the bank’s operations and strategy towards sustainable growth.
At Rivy (formerly Payhippo), I hold the role of Head of Credit, where I combined my expertise in business development and credit analysis to enhance client acquisition, streamline credit processes, and ensure effective risk management. My leadership enabled the company to scale its operations and deliver tech-enabled financial solutions that empowered underserved businesses.
As the Founder/CEO of Luminex Business School and Consult, I now lead programs that equip entrepreneurs with practical, market-driven skills in business strategy, financial management, and value creation.
Academically, I hold a Bachelor’s degree in Accounting from Benson Idahosa University and a Master’s in Business Administration (Finance) from Ladoke Akintola University of Technology. I am a certified member of the Chartered Institute of Bankers Nigeria (CIBN) in microfinance and have earned a Certificate in Digital Strategy for Business from Columbia Business School (Emeritus).
I am further equipped with certifications in Data Analytics, Business Continuity, Leadership, Creativity and Innovation, Disruptive Leadership, Design Thinking, Emotional Intelligence, and Strategic Planning. These credentials reflect my commitment to continuous learning and my ability to navigate complex challenges with innovative, data-driven solutions.
I come with over a decade of impactful leadership, I bring a proven track record in delivering financial solutions, fostering business transformation, and driving sustainable growth for organizations and communities alike.
How I help mentees
I can mentor a new manager on how to transition into the role of a manager. How to identify and manage key stakeholders in the business. How to build a high performing team.
Key accomplishments
Core Competencies
Leadership
● Successfully redirected a fintech company from SME finance to a new business focus (Clean energy finance) while maintaining corporate credibility.
● Designed a KPI system that optimized resource utilization, reduced team size by 50%, and sustained productivity.
● Spearheaded the establishment of Nigeria's first education finance microfinance bank.
● Revitalized a defunct microfinance bank into a successful hybrid operation.
● Achieved an 85% customer retention rate by strategically leveraging team strengths.
Organizational Skills
● Contributed to the launch of three loan products (Education, Agric, and Housing) simultaneously.
● Developed and managed multiple platforms and partnerships to support business operations.
● Facilitated connections between foreign investment companies and potential funding opportunities in Nigeria.
Analytical Skills
● Developed evaluation methodologies to assess the financial capacity of loan applicants with limited financial knowledge.
● Conducted comprehensive loan request analyses, including risk identification and mitigation.
● Assessed corporate entities for funding using the CAMEL framework.
● Utilized data-driven decision-making tools like Excel and Data Studio to enhance portfolio performance.
Coaching and Mentorship
● Volunteered with LSETF to provide training for SME business owners.
● Created and delivered market-ready prospecting data, coaching clients on improving student outcomes and commercializing schools.
● Provided personalized coaching to business owners to help them navigate challenges and make informed decisions.
● Served as a lending technology training consultant for several microfinance banks in Lagos.
● Gained international experience in India, learning advanced lending techniques for affordable schools and EdTech products.
Problem-Solving
● Developed innovative business growth and marketing strategies to exceed branch targets while maintaining portfolio quality and customer satisfaction.
● Improved the loan collection rate from 75% to 94% by designing an effective credit profile.
● Identified alternative revenue streams during the COVID-19 pandemic to offset the impact on the organization’s primary income source.
● Effectively managed the company’s financial resources during FX volatility by implementing a rapid
investment turnaround strategy.
● Introduced new policies and strategies to restore profitability in a struggling bank.
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