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Work Background
Financial Services InnovatorsExecutive Director
Dec. 2019Lagos, NigeriaSummary: Leading innovation programmes, startup support initiatives, and ecosystem development efforts focused on empowering entrepreneurs, fostering industry-academia collaboration, and driving inclusive growth across key sectors such as financial services, health, education, agriculture, and energy. Key Responsibilities • Designed and implemented startup incubation and acceleration programmes • Supported product development and testing through an innovation sandbox • Facilitated upskilling of tech talent in tertiary institutions • Led ecosystem-building efforts and community engagement • Delivered SME-focused workshops, training sessions, and startup clinics • Built strategic partnerships with universities and industry players • Provided advisory support to startups, MSMEs, and diaspora founders Notable Achievements • Incubated and supported 100+ startups, with 8 achieving commercial success • Launched an innovation sandbox enabling 154 MVPs and 10 industry collaborations • Established 3 university innovation labs, impacting 400+ students • Delivered 460+ workshops and clinics, reaching 3,000+ entrepreneurs and MSMEs • Built a community of 40+ active mentors and partners • Supported diaspora founders in navigating regulations and achieving successful market entries/
Nigeria Inter-Bank Settlement Systems PLCHead, Research & Development
Apr. 2016 - Aug. 2019Lagos• Pioneer leader for institutional research and development, leading innovation management, payment awareness and training, and strategy, at the leading provider of infrastructure services in the Nigerian Financial Service Industry; • Drive the strategic initiatives of NIBSS through innovation; • Conduct market scans to decipher new opportunities for innovation in the e-payment space in a bid to ensure the constant relevance of NIBSS in the ecosystem; • Maintain a directory of all ideas with priorities, and implementation success factors; • Spearhead the development and implementation of e-payment and payment related technology applications in the financial ecosystem; • Constitute and manage a cross functional team of business, risk and software programmers during the development phase of new products ensuring adherence to user requirements and procedure; • Coordinate the activities of product prototyping and conduct Proof of Concepts (POCs) with industry stakeholders largely banks in the financial ecosystem; • Develop and implement programs to lower the regulatory barriers to Fintech startups working closely with the Banking and Payments Regulator, Central Bank of Nigeria; • Work with Product Management to pilot approved product/services; • Develop research plans to guide the activities of research analysts when conducting surveys on existing products; • Expand the training capacity of NIBSS to include other stakeholders participation; regulators, non-bank -financial institutions, microfinance banks and licensed payment providers; • Implement learning intervention programs to bridge the e-payment competency gaps of banking professionals and other stakeholders; • Mid-wife the e-Payment Training Institute; • Engage industry stakeholders regularly to solicit feedback for improvement of products and processes; • Ensure research activities are within approved budgets; • Perform quality assurance on e-learning offerings to clients; • Publish e-payment bulletins monthly.
Nigeria Inter-Bank Settlement Systems PLCHead, Innovation and Strategy
Nov. 2015 - Apr. 2016Lagos• Spearhead and manage strategic projects within NIBSS that affect the financial industry; • Innovate and manage the development of new ideas and concepts to products; • Develop strategic alliances in the financial industry to enhance NIBSS visibility and relevance; • Work with executive management to develop a strategic plan for implementing new initiatives for the financial industry.
Nigeria Inter-Bank Settlement Systems PLCBusiness Analyst
Aug. 2012 - Nov. 2015Lagos• Monitor the relevant national and international payments market developments that may affect NIBSS business; • Develop and promote studies for the on-going update and development of the Nigerian payment system; • Propose surveys or market research and analyse the results, framed in the study of a new product or in the preparation of industry reports; • Monitor the functioning of the major payment organizations systems, particularly those with significant use in Nigeria, ensuring the coordination of NIBSS’ business connections to these systems; • Ensure the economic rationality of NIBSS’ business, analysing proposals for new products or services, or adjustments of the existing in coordination with the respective functional analysis developed by the Product Management team; • Propose rules of marketing for NIBSS’ services offer, minimizing the analysis effort recurring requests, ensuring temporal coherence of business decisions and increasing the autonomy of commercial managers; • Define and update NIBSS’ business models and pricing; • Develop commercial and technical proposals for customers, involving the Product Management (namely to support the preparation of the technical proposal) and the Relationship Management teams; • Monitor the financial performance of the products (volumes, costs and revenues), analysing the level of compliance with the business case; • Conduct an integrated analysis of the current and potential value of the client for NIBSS (through indicators such as volume of sales, margin, potential cross-selling, among others); • Participate in the planning of commercial activities, helping the Customer Relationship Management team to set commercial targets per customer/product; • Support the other commercial areas in prospecting and selling products and in interactions with customers; • Define the product promotion strategy jointly with the Product Management and the Corporate Communication.
United Bank for Africa PlcTeam Lead, Commercial Products
Sep. 2010 - Jul. 2012Credit Policy and Product Programs(Credit Risk Maangement), Head Officeo Design Product Strategy o Product Ranking and Ratings o Monthly Review of Product Performance o Product Modification/Development to serve existing customers or create markets o Product Enhancement for relevance o Identify the life cycle of various Products in the bank o Product classification in line with Market Share and Market Growth Rate o Competitor/ Peer analysis o Industry/Market analysis to ascertain customer needs o Customer analysis-review characteristics of top customers o Design Incentives for Top 20 customers to lock them in o Review Operational Processes in granting credits. o Identify value chain opportunities in customers’ business o Conduct Industry studies on commercial markets in Nigeria o Conduct studies on the average entrepreneur in Niger o Conduct training on product programs bankwide o Develop a commercial lending model for the commercial sector
United Bank for Africa PlcCredit Analyst
Feb. 2009 - Aug. 2010Credit Risk Management, Head OfficeInitiate new Products based on customer needs analysis/industry assessment Review and modify existing Product Programs in line with market dynamics/realities Monitor Product Program performance on periodic basis to determine weaknesses with a view to strengthening the Product Programs Market intelligence on competing Product offerings and market trends Education of Business Offices on Product Program dynamics Refine and improve the Bank’s credit processes based on continuous feedback from all parties (Regional Bank, Corporate Bank, etc) Resolve all credit process/procedure related issues, by constantly interfacing with the various stakeholders. Continuously update the credit risk management framework of the Bank Periodic review of the credit policy manual for relevance and effectiveness Provision of inputs from market developments into the policy formulation process Local customisation of group-wide credit policy and process for African operations Review credit policy exceptions Perform Credit process and strategy review for subsidiaries Monitor aggregate portfolio performance in line with budget Develop a portfolio management strategy for the Bank Develop standard approval/disbursement templates, formats and forms. Analyse companies for special lending e.g.credit projects, project finance, object finance etc
United Bank for Africa PlcHead, Credit Cluster Team
Feb. 2007 - Jan. 2009Victoria Island/Lekki Regiono Manage and drive the growth of Consumer credits at the Regional Level. o Identify potential consumer markets for Consumer credit products o Create a unique selling point (USP) for each credit product to edge out competition. o Increase Consumer Credit portfolio at the regional level through presentations to various target markets. o Develop and implement different sales strategies to harness opportunities in virgin and fertile markets. o Supervise Consumer Credit sales team on customer assessment for consumer credits o Define eligibility criteria for customers on consumer credits o Assist marketers in financial analysis and credit bookings for customers at the regional level. o Monitor consumer credit/risk asset portfolio at the regional level and prepare reports for management in line with assigned budgets o Prepare Market Intelligence Report on competitor’s product offering o Liaise with Consumer credit/ Retail Lending in head office on consumer credits at the region.
United Bank for Africa PlcHead, Retail Liability Team
Oct. 2006 - Jan. 2007Idowu Taylor, Victoria Islando Market, manage and drive the growth of Retail Liability & Investment Product Offerings at the Regional Level o Disseminate and implement sales and marketing strategies along Regional levels oTrain Branches within the region on Product offerings & New Product initiatives o Report on issues impacting Retail Liability products in the banking industry o Co-ordinate the activities of Retail Liability sales team o Identify virgin and fertile market opportunities within the region o Liaise with Retail Liability in the Branches/Head Office Divisions on issues o Provide Intelligence/monitoring of Retail Liability Offerings by competitors to Retail Liability, Head Office.
United Bank for Africa PlcBusiness Development Officer (Local Corporate)
Aug. 2006 - Oct. 2006Awolowo Road Business Office, Ikoyio Management of existing relationships o Increase volume of customers’ business by anticipating customers’ needs and preferences. o Detailed Credit Analysis of consumer and commercial credits requests oConversion of new relationships
Citizens International BankBranch Operations Manager
Feb. 2006 - Jul. 2006Idumota Brancho Supervise day to day operations in the bank. o Proof all ledger accounts daily e.g. Sundry accounts, funds transfer ledger, etc o Supervise all operations’ functions i.e. cash and teller, funds transfer , clearing, customer service and treasury operations o Ensure the branch is conducive for business o Manage the security personnel attached to the branch to ensure the environment is secured for business o Handle and resolve customer complaints o Manage the branch’s expenses for the month o Authorise account openings, cash officer’s transactions and funds transfer operations o Manage the vault and ensure that vault balances are within limits.
UBATeam Lead, Product Programmes
Jan. 2006 - Dec. 2012Developed new products concepts for approval Amended existing products based on market feedback. Prepared product performance reports
Citizens International BankRetail/ Treasury Marketing
Jun. 2005 - Feb. 2006Ikoyi Brancho Relationship Management o Savings Account Deposit mobilisation o Sourcing for target markets for the bank products o Marketing the bank’s treasury products o New business development o Managing a team of marketing interns
Citizens International BankHead, Funds Transfer Local
Feb. 2002 - May. 2005Ikoyi Brancho Acting as FTL and Treasury Operations Officer o Processing Manager’s cheques o Processing of clearing cheques (in-house cheques and other banks’ instruments) o Processing of Inter-branch and intra-branch transfers o Handling of general investments and internal accounts for customers o Handling of Collection accounts e.g. NITEL, VAT etc o Booking of investments (money market and Bankers Acceptance) o Preparing of proofs of FTL, Trops and other internal accounts in the bank
Citizens InternationalBankCash Officer/Tellers' supervisor
Feb. 2001 - Feb. 2002Chinatown, Ikoyio Supervision of Merchant Tellers in the branch and Chinatown Cash Centre o New Business Development and Account Conversion o Managing Chinese business in the cash centre o Selling the bank products o Processing Form ‘M’s for Chinese clients
Citizens International BankTeller
Sep. 2000 - Feb. 2001Ikoyi BranchoReceiving cash deposits and payment of cheques to customers o Balancing of vault and preparation of departmental proofs
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