• Providing strategic leadership and oversight of the management team• Approving business strategy and monitoring the implementation of the same• Providing oversight of financial performance, risk management and compliance• Member of Board Risk Management Committee

Capital Management• Ensuring the Group maintains adequate capital per regulatory requirements whilst optimising the capital structure to achieve the maximisation of Return on Equity (ROE)• Driving the implementation of best practices in capital management practices such as Resolution and Recovery Planning, ICAAP (Internal Capital Adequacy Assessment Process), Pillar 3 reporting and Stress Testing• Planning and forecasting and reporting against set budget. • Evaluating and analyzing financial and operational performance. • Overseeing regulatory reportingEnterprise Risk Management• Ensuring adequate analysis of risk faced by the Group, defining risk appetite and monitoring the risk profile of the Group. • Risk Data Aggregation and Risk Reporting (RDARR)• Chairing of the Operational Risk and Compliance Committee, a committee responsible for reviewing and assessing risk and compliance practices and strategies.• Liaising with external auditors during the interim and full-year audit and regulators during the annual risk-based examination.• Reviewing disclosures in the financial statement.Sustainability including Environmental and Social Risk• Driving the development and implementation of Sustainability strategy across the Group• Orchestrating Sustainability programs and initiatives.• Overseeing Environmental and Social Risk Management in the Group’s activities and operations• Engaging Environmental, Social and Governance (ESG) rating agencies• Supervising the preparation of Sustainability Report• Defining ESG metrics and targets, overseeing ESG data management, tracking the performance against ESG targets and reporting on the progress made.• Chairperson of the Sustainability Steering Committee, a committee that champions the integration of Sustainability into the organization's strategy and operations.

• Embedding the capital management process into the bank’s strategic planning/ budgeting and forecasting processes to address potential business growth constraints as well as regulatory issues• Driving the annual capital planning process, including determining appropriate capital buffers and preparing dividend proposals for management review• Driving the implementation of best practices in capital management practices such as Resolution and Recovery Planning, ICAAP (Internal Capital Adequacy Assessment Process) and Stress Testing• Ensuring there are appropriate financial policies and procedures and ensuring sound financial compliance.• Strategic business planning• Conducting periodic training in finance to ensure that line managers are aware of their roles and responsibilities as the first line of defence• Providing oversight for the regulatory reporting desk and ensuring the integrity of the General Ledger.• Project team member for the implementation of Risk Data Aggregation and Risk Reporting (RDARR).• Guided the Capital Management teams in Angola, Cote D’Ivoire, Democratic Republic of Congo and Ghana on Stress Testing and Risk Appetite functions

• Provided deeper insight into the Personal Credit portfolio via the use of advanced analytics• Modelled credit losses• Drove the use of scorecards in credit decisions.• Achieved portfolio growth through the adoption of pre-scored and cross-sell campaign strategies• Partnered with the business team to draft the Risk Appetite and Credit Product Papers• Reviewed and monitored the personal credit products viz a viz defined portfolio triggers• Reviewed the personal credit processes and improved the turnaround time by recommending changes for greater credit efficiency and productivity.

• Credit risk modelling for credit losses• Supervised the production and analysis of credit portfolio reports for management, board, regulators, rating agencies and investors• Stressed the credit portfolio • Responsible for all loan Information in the Monthly Management Accounts and the Annual Financial Statement.• Reviewed and reconciled general ledgers and ensured alignment with the financial reporting team.• Prepared the annual budget and quarterly revised estimates for credit impairment and monitored performance against budget.• Responsible for expense control management in the department• Applied relevant International Financial Reporting Standard and Generally Accepted Accounting Principles in managing the credit portfolio• Engaged the bank’s external auditors and regulatory examiners during statutory Audit and examination exerciseAdvanced Analytics of the Western Region (Nigeria, Ghana and Angola) Personal Bank Portfolio • Provided in-depth data analysis, trending, forecasting and reporting to provide meaningful management information used in the day-to-day decision-making process.• Monitored, analysed, and reported any underlying reasons for changes and shifts identified in the portfolio financials and facilitated understanding of this to key stakeholders.• Provided analytical support to the group portfolio team to find patterns in data to explain portfolio performance trends.

• Modelled credit losses• Prepared and analysed various loan portfolio reports for the Bank’s Executive Committee, Board of Directors, Regional and Group Offices and Regulatory Authorities• Applied the relevant International Financial Reporting Standards in managing the Loan Book• Monitored product limits• Conducted stress-testing of the loan portfolio• Oversaw the take-off and smooth integration of the operations of 2 Credit Bureau into the Credit Process.• Job Rotation in Credit Initiation - carried out the under listed activitieso Approved personal unsecured and mortgage loanso Reviewed SME loan applications by analysing their financials and recommending the applications for approval or decline.

• Prepared management reports such as the Daily Financial Statement, Branch Monthly Profitability Report, and Account Profitability Report• Coordinated the Budget Process • Monitored actual performance against the budget• Participated in the audit process by providing accurate audit schedules.• Vetted the payroll prepared by Human Resources for accuracyFacilitated at the bank‘s induction process for new hires• Contributed immensely to a seamless change of banking application from Globus to Flexcube.

* • Prepared and analysed financial performance reports relating to the Direct Sales channel. • Provided daily, weekly and monthly sales performance reports on the Consumer Bank Direct Sales Personnel• Prepared the annual sales budget and monitored actual performance against budget.• Assisted in the planning, direction and driving forward of the Consumer Banking Direct Sales Planning and Strategy• Involved in the reward system of the Direct Sales Team by preparing the monthly payroll for their fixed pay, variable pay and bonus.

• Prepared management reports such as the Monthly Financial Statement, Monthly Performance Review, Expense Control Report and Account Profitability Report and weekly ALCO report• Drove the budgeting process for Expenses and Revenue Budget • Evaluated actual performance against the pre-set budgets• Coordinated Monthly Performance Review (MPR) meetings• Facilitated the bank‘s induction process for new hires• Served in the bank’s Liaison Team for two Full-Year audits carried out by the bank’s external auditors and two Routine Examinations done on the bank by regulatory bodies. I was specifically responsible for the following vetting audit schedules prepared by various units and branches, preparing audit schedules relating to my team and giving the auditors and examiners satisfactory responses to issues and enquires.• Jun to Sep 2003 - I was at the Access Bank Training School for Banking Excellence, where I graduated as the second-best student.