Joy Stephen Email & Phone Number

Nigeria

• Led the strategic development of tailored banking solutions, enhancing client satisfaction and fostering long-term relationships with small to medium-sized enterprises.• Streamlined operational processes within the group, resulting in improved efficiency and faster response times for client inquiries and service requests.• Collaborated with cross-functional teams to launch innovative products, positioning the bank as a market leader in business banking services.• Mentored and developed a high-performing team of bankers, promoting a culture of excellence and accountability that significantly improved team engagement.• Established key partnerships with local businesses and community organizations, driving outreach initiatives that strengthened the bank’s presence in the business sector.

Nigeria

• Enhanced client engagement by delivering comprehensive retail banking services, successfully expanding the customer base across both urban and rural markets.• Improved efficiency in bank collections by implementing a streamlined process for processing POS transactions for retail and wholesale clients, significantly accelerating collection timelines.• Evaluated and approved funding requests for corporate clients and salary earners, ensuring a robust risk management approach that supported the bank’s financial health.• Facilitated the opening of various accounts, guiding clients through the selection of appropriate banking products and providing support for internet banking enrolment and card issuance.• Spearheaded the on boarding of agents in rural communities, empowering them to assist households with account openings and BVN enrolment, thereby increasing financial inclusion.

Nigeria

• Drove the sales of retail banking services, successfully expanding customer engagement and enhancing the bank's presence in both local and broader markets.• Implemented an efficient process for processing POS collections, resulting in improved collection rates for retail and wholesale customers.• Assessed and approved funding requests for both salary earners and corporate clients, balancing risk management with client needs to support their financial goals.• Facilitated the recruitment of new accounts, guiding customers in selecting the right banking products and ensuring a seamless enrolment process for online banking and card issuance.• Led the on boarding of agents in rural areas, enabling them to assist household customers with BVN enrolment and account openings, thus promoting greater access to banking services.

Nigeria

• Successfully promoted and sold a diverse range of bank products, significantly enhancing customer satisfaction and contributing to revenue growth.• Developed and implemented cross-selling strategies across multiple channels, generating new income streams and increasing the bank's overall profitability.• Conducted thorough profiling of customers to tailor banking solutions that meet their unique needs, ensuring they fully benefit from the bank's offerings.• Streamlined the recruitment process for savings, current, and corporate accounts, guiding customers in selecting appropriate products and facilitating a smooth online banking enrolment.• Enhanced customer engagement by providing personalized support for additional banking services, such as card issuance, resulting in higher customer retention rates.

Bauchi

• Evaluated and authorized loan applications for business, real estate, and credit loans, ensuring sound financial practices while supporting clients in achieving their goals.• Conducted in-depth interviews with loan applicants to assess financial eligibility, facilitating informed decisions on loan feasibility.• Maintained effective communication with customers, promptly addressing inquiries and providing essential information throughout the loan application process.• Justified approval and rejection decisions through detailed reporting, ensuring transparency and adherence to lending policies.• Completed loan contracts and provided comprehensive counselling on policies and restrictions, enhancing customer understanding and satisfaction while fostering trust and loyalty during the underwriting process.

Bauchi, Nigeria

• Evaluated and authorized loan applications for business, real estate, and credit loans, ensuring sound financial practices while supporting clients in achieving their goals.• Conducted in-depth interviews with loan applicants to assess financial eligibility, facilitating informed decisions on loan feasibility.• Maintained effective communication with customers, promptly addressing inquiries and providing essential information throughout the loan application process.• Justified approval and rejection decisions through detailed reporting, ensuring transparency and adherence to lending policies.• Completed loan contracts and provided comprehensive counselling on policies and restrictions, enhancing customer understanding and satisfaction while fostering trust and loyalty during the underwriting process.

Disaster And Risk Management And Development Studies, Geography, Pgd

Activities and Societies: Risk Management

Master Of Public Health - Mph, Public Health

Postgraduate Degree, Education, Credit

Higher National Diploma, Biochemistry, Credit

Master Of Business Administration - Mba, Business Administration And Management, General

Bachelor Of Science - Bs, Biology/Biological Sciences, General