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ED, COO, director, managing director, MD, GM, chief, executive 30 000
Job Type: Full-Time


From 0 to 1995
University of Lagos
From 0 to 1991
Lagos State University
From 0 to 1986
Federal Goverment College, Ijanikin
From 0 to 1985
CMS Grammar School, Lagos
No added languages


Eartholeum Networks Limited
April 2010 - Present Day (7 years 3 months)

I am a Partner and Executive Director directly in charge of Operations and Risk Management. As a director of the company, I am also actively involved in Business development and defining organizational policies and strategic direction.

 I worked actively in the development of the Mobile Payment platform with our platform developers.

 Participated in the rounds of reviews conducted by the Central Bank of Nigeria leading to issuance of the final license for commercial roll out.

 As Chief operating Officer, I have the following functions under my purview to set up and run amongst other Executive roles - Scheme Management, Partner Relations, Customer Care/ Call Centre, MIS/ Analytics, Risk Mgt (Operational, IT, Business and Credit Risk), Regulatory Reporting and compliance.

Deputy General Manager - Group Head, Risk Management
Equitorial Trust Bank (Now Sterling Bank)
July 2009 - February 2010 (8 months)

Initially engaged to set up a Retail Banking Risk Management framework, I subsequently became Group Head for entire Risk Management bankwide to oversee - Credit Risk, Credit Administration & Control. I also set up a functional Operational and Business Risk unit for the bank.

AVP - Group Head, Consumer Lending
First City Monument Bank
March 2007 - June 2009 (2 years 4 months)

I created and facilitated processing of Consumer Banking Products (Home Loans, Personal Loans, Home Appliances, Auto Loans, Mortgages, Credit Cards, Salary linked Loans, etc ). I was a Senior Credit Officer (SCO) with approval limit up to N200m and up to N500m jointly with a 2nd SCO. (circa US$1.3 - US$3.3m)

I was in India on attachment with a Bank to understand Retail/ Consumer products and credit processes. On return to Nigeria, I set up a robust & complete Risk Management framework to ensure a healthy credit portfolio. This framework consists of the following broad functions - Credit Policy, MIS & Analytics, Credit Origination, Underwriting, Fraud Control, Pre-Disbursement, Collections & Recovery/ Legal units

Head – Corporate Lending; Principal Manager
United Bank for Africa (formerly Standard Trust Bank - STB)
August 2005 - February 2007 (1 year 6 months)

I was responsible for reviewing corporate credit requests of customers in the middle & top tier of the economy in all sectors – Energy, Power, Food & Beverages, Telecoms, manufacturing, Trading, Services, etc. Defined loan portfolio objectives, lending policies and procedures, internal lending controls, etc. I approved credit requests within my approval limit up to N100million (circa US$800k).

Senior Manager - Regional Credit Manager
Standard Trust Bank
September 2004 - July 2005 (11 months)

Responsible for the review and approval of all credit requests from the Western region of Nigeria and also for the review and approval of all Consumer Credit requests for the erstwhile STB. Review and grant concurrent credit approval and disbursement consents to credits. Ensure that lending activities comply with the bank’s Risk Acceptance Criteria for relevant market segments, internal lending policies, procedures and standards and guidelines of regulatory bodies. Periodic performance monitoring of the Risk Asset Portfolio.

Senior Manager - Divisional Head, Telecoms & IT (Marketing)
Standard Trust Bank
May 2004 - April 2004 (1 month)

 Managed and cultivated existing & new business relationships and presented credit requests to the bank’s Management Credit Committee (MCC).

 Served as One- Stop point for customers of the bank (in the Telecoms sector) and various departments in the bank to ensure seamless, prompt and excellent service delivery.

 Cross selling of the entire bank’s product to ensure growth in liability mobilisation.

 Prepared weekly activity report for management’s review.

Senior Manager - Head, Construction Unit Corporate Banking
FSB Int'l Bank (Now Fidelity Bank)
September 2001 - April 2004 (2 years 8 months)

 Managed relationships in the construction& Telecomms segment – e.g. China Civil Engineering Construction Company (CCECC), CCC Construction, P. W Nigeria, Grinaker LTA.

MTN, Econet (now Airtel), Cellcom, Reltel, etc

Manager - Head, Strategic Planning
FSB Int'l Bank (Now Fidelity Bank)
October 1998 - August 2001 (2 years 11 months)

 Project Team member on business transformation project by Accenture -Strategy Redefinition (Scenario Planning, Industry Analysis, etc), Diagnostics Review, Customer surveys and Overall Project Management.

 Project Team member on Activity Based Costing Model (ABC) for FSB.

 Organised a Senior Management Retreat in Abidjan, Cote D’Ivoire and I was responsible for documentation of proceedings and the monitoring of the implementation of initiatives & action plan.

 Developed a robust Performance measuring system (The Balanced Scorecard) to measure the achievement of the bank’s Strategic goals from four key perspectives - Financial, Customer, Employee and Internal Processes.

 Conducted workshops to communicate the strategic plan of the organization to all branches nationwide.

Senior Consultant
Andersen Consulting (Now Accenture)
December 1995 - October 1998 (2 years 11 months)

Ø Redesigned and implemented a new budget development process for one of the biggest banks in Nigeria (1st Bank). Developed the Operating manual, Guidelines and Worksheets.

Ø Conducted a Current Position Assessment (CPA) analysis for a medium sized commercial bank (ECOBANK) and a merchant bank (NBM Merchant Bank). On the CPA project I handled the Customer satisfaction Survey, Financial Performance review and Industry/ environmental scan.

Ø Fully participated in a Visioning & Direction Setting project for a Manufacturing concern (Seven Up Bottling Co.). On the project, I conducted an Organisational Values Inventory/ Organisation Design Survey (OVI/ OVS). I participated fully in Strategy Diagnostics and the development of Corporate and Strategic Business (SBU) visions and Marketing Plan on the Century 2 project for First Bank of Nigeria.

Assistant Lecturer
Lagos State University
December 1992 - November 1995 (3 years )

Ø Examination Officer for Faculty of Engineering. Responsible for coordinating Exams and Results for the entire faculty.

Ø Represented the Faculty of Engineering on various Faculty Boards in the University

Taught courses and supervised final year projects.

Graduate Assistant
University of Agriculture, Makurdi
September 1991 - August 1992 (1 year )

National Youth Service

  • Taught the following courses - Engineering Drawing & Thermodynamics