Summary
Overview
Work history
Education
Skills
Certification
Custom
Personal Information
Timeline
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Ajibola Disu

Ajibola Disu

Lekki,Nigeria

Summary

A seasoned professional in digital banking, I am a passionate and creative Digital Product Manager at Titan Trust Bank, where I lead the design and development of innovative digital products and services that enhance customer experience and satisfaction. I have a strong background in investment and finance, which enables me to apply analytical and strategic thinking to digital solutions. Previously, I worked as a Digital Channels Product Manager and a Mobile Applications Manager at Ecobank Nigeria, where I contributed to the launch and growth of several award-winning digital initiatives, such as Ecobank Xpress Account and Ecobank Digital Cross Selling. I have developed skills that help me communicate effectively with stakeholders and users and deliver results that align with the vision and mission of the organization. I am motivated by the opportunity to leverage technology and data to create value and impact for customers, businesses, and society.

Overview

13
13
years of professional experience
1
1
Certification

Work history

Acting Unit Head, Digital Channels

Titan Trust Bank Nigeria Limited
Nigeria
07.2023 - Current
  • Integration between Titan Trust Bank Digital Channels Application & Union Bank Applications
  • Cards Loyalty Promo Campaign to increase onboarding & active user cards base which lead to an increase of 6,500 cards and reached a volume of N800 Million
  • USSD & ATM monitoring to ensure a 95% uptime on the channels
  • Lead an eight-man team to ensure the department made profitability of N189 Million in 2023
  • Migration of MasterCard Titan Trust Bank BIN to Union Bank
  • Implementation of Afrigo Card for Titan Trust Bank
  • Managing pay direct platform for Titan Trust Bank
  • Presentation for Manco meetings
  • Managing Kimono &Titan Trust Bank In-Branch POS.

Ecobank Digital Channels Fulfilment (Customer Experience)

Ecobank
10.2020 - 07.2023
  • Provided weekly and monthly reports on revenue of airtime report on mobile banking
  • Closely managed the configuration of the payment channels and proactively handle version changes and upgrades
  • Tracked adoption and user volumes on all payment channels, as well as success rate with a clearly defined TAT per transaction processing time
  • Regularly liaised with the internal support teams to ensure maximum uptime across all payment channels
  • Ensured all payment disputes on mobile, USSD, Mobile App, Ecobank Pay and Xpress cash are properly resolved within stipulated TAT and industry timelines
  • Carried out relevant user acceptance testing, support platform vulnerability testing and performance optimization
  • Responsible for identifying, assessing, monitoring, controlling and mitigating risks as it affects digital banking and channels.

Ecobank Digital Cross Selling

Ecobank
03.2019 - 10.2020
  • Carried out regular competitive scans to benchmark payment channels Mobile, USSD, Ecobank Online, Ecobank Pay and Xpress cash against listed industry competitors
  • Supported onboarding activities and set targets with a view to ensuring maximum success rate and simplified customer’s payment experience on Mobile, Ecobank Online, USSD and Ecobank Pay
  • Complete platform support aimed at optimizing the revenue lines on: Mobile [consumer mobile app, agent’s mobile app, USSD bearer channels]
  • Managed Ecobank Online Retail Internet Banking & Authentication tokens
  • Managed Transaction Notification Systems
  • Managed Payments and Funds Transfers
  • Ensured effective delivery of transaction notification and carry out mandatory monthly revenue assurance
  • Ensured all payment disputes on mobile, USSD, Ecobank Online, Ecobank Pay and Xpress cash are properly resolved within stipulated TAT and industry timelines
  • Supported the Channel Manager, Digital Banking in scoping, requirements definition and deployment of key payment capabilities on Mobile, USSD, Ecobank Online, EcobankPay and Xpress cash
  • Closely manage the configuration of the payment channels and proactively handle version changes and upgrades
  • Communicated the payment services and value-added solutions available on the Mobile, USSD, Ecobank Online, EcobankPay and Xpress cash to all internal stakeholders across the bank’s businesses
  • Closely track adoption and user volumes on all payment channels, as well as success rate with a clearly defined TAT per transaction processing time
  • Regularly liaise with the internal support teams to ensure maximum uptime across all payment channels
  • Provided daily reporting on channel usage, adoption, profitability, as may be required by the Channel Manager for Digital Banking.

Digital Banking Officer

Ecobank
01.2018 - 03.2019
  • Organized and delivered product trainings and workshops on Ecobank mobile offerings for staff and the banks customers
  • Provided weekly and monthly reports on revenue of airtime report on mobile banking, withdrawal, and customer deposits on in branch Point of Sale terminal, and also onboarding of customers and transaction volume on Ecobank mobile banking platform
  • Provided weekly, monthly reports of Direct Sales Agents revenue target and achievement
  • Coordinated monthly meetings with my Department Head on the monthly performance of Direct Sales Agents
  • User Acceptance Tests on the Mobile App to ensure new services were implemented effectively
  • Resolution of customers issues on the Mobile app
  • Planned and implemented Digital Banking Campaigns through organizing storms at various high traffic locations for a four-month period which led to an increase in customer enrollment on the platform from 800 newly onboarded customers daily to 5000 newly onboarded customers on the mobile app.

Channel Officer

Ecobank
07.2016 - 01.2018
  • Led the team that developed and implemented the most updated version of the Ecobank Mobile App 3.1 with new features such as onboarding new customers using any Nigerian or foreign debit or credit cards, m-visa P2P payments, payments for goods and services using QR codes under master pass and m-visa payment schemes, and e-token payments; where customers can generate tokens on the app and withdraw cash on any of our Ecobank ATMs in all our affiliates
  • Organized and delivered product trainings and workshops on Ecobank mobile offerings for staff and the banks customers
  • Created awareness campaigns about the many features of our product offerings and implemented promos to increase customer loyalty such as the Ecobank sallah airtime promo which led to the increase in total daily purchase value from N10 Million to N17.5 Million daily.

Business Development

Ecobank
01.2015 - 06.2016
  • Developed and marketed products within the Ecobank Mobile platform: Ecobank Mobile Banking App, Ecobank Quick Transfer, Ecobank Quick Account Savings, Ecobank Quick Recharge and Ecobank Quick Balance
  • Monitored and reported the success rates (quantitative and qualitative) of mobile banking performance in various branches
  • Designed and presented various Ecobank mobile products for customers
  • Organized and delivered product trainings and workshops for internal bank staff members
  • Assisted in the increase in sales of Ecobank mobile from 190,000 to 250,000 users
  • Conducted logistical tasks, including drafting minutes of departmental meetings and monitoring branch mapping usage of software on Ecobank mobile.

Electronic Banking Product Officer

Ecobank
04.2014 - 01.2015
  • Increased the sales revenue of the mobile banking, text banking & transaction alerts within the bank to N850 million revenue
  • Designed new product offerings and services of clients such as NIP transfer on our retail internet banking platform
  • Implemented a platform for segmenting clients on mobile banking platforms based on their KYC documentations
  • Participated in updating customer’s information for clients on Retail Internet Banking
  • Monitored compliance with Service Level Agreements (SLAs) for bank’s S.M.S vendors especially with respect to ensuring performance of payment obligations by the bank
  • Designed standard operating manuals for our vendors as well as redesigned the application form for mobile banking.

Credit Analyst

Opticom Leasing Company
Nigeria
03.2013 - 04.2014
  • Prepared summaries of loan requests and performed credit analysis on prospective borrowers for a financial service bank regulated by the Central Bank of Nigeria
  • Evaluated customer records and recommended payment plans based on earnings, savings data, payment history and purchase activity in order to identify and manage risk
  • Created new products and business ideas such as Gold loan financing for clients.

Associate

Standard Chartered Bank
Nigeria
12.2011 - 10.2012
  • Analyzed the financial statements of institutional clients in order to determine their credit ratings and their ability to repay loans
  • Conducted weekly research on the commodities markets in Nigeria and prepared reports in order to present findings to senior management
  • Visited clients and processed transactions on their behalf, which included loans and bonds transactions worth close to N1billion on a weekly basis
  • Developed proficiency in the use of management information systems to analyze risk based on credit scoring and stress testing an asset portfolio
  • Conducted foreign exchange bids for clients who wanted to purchase raw materials and commodities such as chemicals, fertilizers and rice imports using Weekly Dutch Auction System schedules
  • Researched and developed a system that kept customers’ details and documents up to date
  • Reduced total updating time from a matter of days to minutes.

Education

MSc (Master of Science) Investment and Finance -

Queen Mary University of London

BSc (Bachelor of Science) Economics and Finance - undefined

Queen Mary University of London

Skills

  • Problem-solving
  • Communication skills
  • Digital Products Management
  • Digital Channels Strategy Development
  • Digital Products Profitability
  • Digital Product Management
  • Card Business Development
  • Mobile Applications & USSD
  • Attention to Detail
  • Digital Payment Solution

Certification

  • UI/UX Design Specialization, Coursera, California Institute of the Arts, 2020-Date
  • Fintech Law & Policy, Coursera, Duke University, 2020-Date
  • FinTech: Foundations, Payments, and Regulations, Coursera, Wharton University, 2020-Date
  • Financial Regulation in Emerging Markets and the Rise of Fintech Companies, Coursera, University of Cape town, 2020-Date
  • Introduction to Blockchain Technologies, Coursera, INSEAD University, 2020-Date
  • Transacting on the Blockchain, Coursera, INSEAD University, 2020-Date
  • Digital Transformation of Financial Services- Specialization, Coursera, Copenhagen Business School, 2019-Date
  • The Charted Institute of Bankers of Nigeria Intermediate Professional Certification (ACIB), 2014-Date

Custom

Standard Chartered Bank, Lagos, Associate, Millennium Development Goals Awareness Campaign Team, 12/2011-10/2012

Personal Information

  • Date of birth: 04/03/87
  • Gender: Male
  • Marital status: Single

Timeline

Acting Unit Head, Digital Channels

Titan Trust Bank Nigeria Limited
07.2023 - Current

Ecobank Digital Channels Fulfilment (Customer Experience)

Ecobank
10.2020 - 07.2023

Ecobank Digital Cross Selling

Ecobank
03.2019 - 10.2020

Digital Banking Officer

Ecobank
01.2018 - 03.2019

Channel Officer

Ecobank
07.2016 - 01.2018

Business Development

Ecobank
01.2015 - 06.2016

Electronic Banking Product Officer

Ecobank
04.2014 - 01.2015

Credit Analyst

Opticom Leasing Company
03.2013 - 04.2014

Associate

Standard Chartered Bank
12.2011 - 10.2012

MSc (Master of Science) Investment and Finance -

Queen Mary University of London

BSc (Bachelor of Science) Economics and Finance - undefined

Queen Mary University of London

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Ajibola Disu