Travelling and Learning
Rashidat M. Ajia-Imam
Corporate Strategist/Bank Examiner
Abuja
Summary
A Corporate Strategist, with extensive experience in Financial Management and Service Innovation. A Fellow of the Institute of Credit Management (FICA), Associate of Chartered Institute of Bankers of Nigeria (ACIB) and Member Chartered Institute of Banking, Ireland among others.
An avid team player, astute with exceptional human relations management skills.
Overview
26
26
years of professional experience
28
28
years of post-secondary education
4
4
Certificates
Work History
Head, Process Improvement
Nigeria Deposit Insurance Corporation
Abuja
03.2023 - Current
- Process improvement and optimization to ensure efficiency of processes and resources
- Manage interdependencies of Service Level Agreements (SLAs) of thirty-four (34) Departments/Units/Zones in delivery of services to all Stakeholders and attainment of Organizational Mandates.
- Promote Efficiency, through analysis of key expenditure of major cost centers without compromising standards in delivery of Corporation's mandates.
Head Service Innovation
Nigeria Deposit Insurance Corporation
Abuja
06.2021 - 02.2023
- Pioneered and established Service Innovation, Developed SOP and Trained an eight (8) member Team on strategies aimed at permeating a Corporation-wide culture of innovation.
- Lead deployment of Self- Assessment Tool (SAT) of Corporation's processes and corporate governance. Validated results by independent accessor earned the Corporation an overall core of 93% and Platinum Award.
- Established Innovation Competition in the Corporation and featured Top 8 finalist in the National Federal Civil Service Innovation. Achived 2nd and 5th Position in inaugural outing.
Senior Bank Examiner
Nigeria Deposit Insurance Corporation
Abuja
07.2017 - 06.2021
- Trained and supervised junior financial examiners, explaining procedures and protocols.
- Performed yearly reviews of bank policies and procedures to evaluate compliance with regulatory requirements and standards.
- Studied economic information and read historical data to evaluate soundness of operational practices against business framework.
- Directed and participated in formal and informal meetings with bank directors, trustees and consultants to gather information and discuss findings.
- Investigated activities of institutions to enforce laws and regulations, assessing legality of transactions and operations or financial solvency.
- Reported violators of financial regulations to appropriate parties for disciplinary action.
- Authored thorough reports detailing results of investigations and recommendations to improve compliance and maintain solvency.
Finacial Analyst
Nigeria Deposit Insurance Coporation
Abuja
11.2010 - 06.2017
- Collected data and developed detailed spreadsheets to identify trends and create revenue, profitability, and expense forecasts.
- Reviewed financial reports to determine early warning signs (EWS) to forestall deterioration of assets through recommendation of remedial action to promote financial condition of FIs and promote soundness of financial industries.
- Determined pricing for calculation of insurance premium through assessment of risk factors of financial institutions using Differentiate Premium Assessment System.
- Analyst-in-Charge of Several Banks including internal banks and banks under conservation.
- Pioneer Examiner of Mobile Money Banks (MMO), drafting policies, managing risk portfolio, and promoting proliferation of subscribers as part of governmental efforts at promoting financial inclusion and literacy.
Profit Center Manager
Unity Bank Plc
Lagos
01.2005 - 07.2008
- Asset and Liability development of Commercial Banking at incremental rate of 45% annually. Recovery of delinquent assets, maintenance of impaired assets at threshold of 5% or less.
- Performed banking, business administration and financial tasks to guarantee five-star service for clients.
- Conducted financial due diligence on potential investments and acquisitions.
- Collaborated with C-level executives and stakeholders to develop long-term financial plans.
- Prepared internal and regulatory financial reports, balance sheets and income statements.
- Designed and maintained financial models to identify and measure risks.
Regional Credit Officer
Unity Bank Plc
Lagos
11.2007 - 01.2008
- Collaborated with management to evaluate credit strategies and develop improvements.
- Reviewed credit reports, credit references, credit insurance and financial statements to establish appropriate credit limits for credit request.
- Analyzed credit portfolios of branches in the region to validate risk classification and set branch credit limits based on asset and liability portfolio considerations.
- Analyzed credit request from branches, ie financial status, credit and property evaluations to determine loan feasibility.
- Devised collection recovery strategies in collaboration with branches, Legal Team and Debt Recovery Agents to resolve customer issues and delinquent cases.
- Oversaw reporting, documentation and recordkeeping requirements for Region.Recomendation for administrative sanctions for performance deviation and regulatory infractions.
Bank Branch Manager
Unity Bank Plc
Lagos
11.2006 - 11.2007
- Maintained confidentiality of bank records and client information to prevent mishandling of data and potential breaches.
- Identified partnership opportunities and established favorable business connections.
- Examined customer loan applications for loan approvals and denials.
- Compiled database of loan applicants' credit histories, financial statements and other financial information.
- Assessed employee performance and developed improvement plans.
- Attainment of Branch Corporate Objectives
Head of Operations
Intercity Bank Limited (Unity Bank Plc)
Minna and Lagos
07.1997 - 11.2006
- Raised property accuracy and accountability by creating new automated tracking method.
- Observed each employee's individual strengths and initiated mentoring program to improve areas of weakness.
- Tracked employee attendance and punctuality, addressing repeat problems quickly to prevent long-term habits.
- Reduced operational risks while organizing data to forecast performance trends.
- Worked in several capacities including;
- Cash and Cashiering
- Funds Management
- Data Entry, Accounts & Reconciliation
- Foreign Exchange
- Naira Dealer ( Treasury Management)
- Customer Service
- Corporate Affairs
Education
MBA - Chatered Banking
Bangor University
North Wales 03.2013 - 06.2023
MBA - Human Resources Management
Lagos State University
Lagos , Nigeria 09.2003 - 08.2005
Postgraduate Diploma (PGD) - Managment
University of Calabar
Nigeria 01.2001 - 10.2001
Bachelor of Arts - Mass Communication
Bayero University Kano
Kano Nigeria 12.1990 - 05.1995
A' Level - Advance Level GED
Inst. Basic & Applied Science, Kwara Polytechnic
Kwara State, Nigeria 10.1988 - 08.1990
High School Diploma -
Queen Elizabeth Secondary School
Ilorin, Kwara State, Nigeria 10.1983 - 06.1988
Primary School Leaving Certificate - O, Level
Kilburn Park Primary School
London 08.1979 - 06.1983
Skills
Workflow Optimization
Accomplishments
- Letter of commendation as pioneer head of service innovation, developed SOP, trained Staff and in 15 months earned the Corporation a Platinum Award for efficiency and good corporate governance.
- Developed several polices and frameworks, ie Hall of fame, Innovation competition etc Corporation attained 2nd and 5th positions at Federal innovation entries out of 83 participants
- Used Microsoft Excel to develop inventory tracking spreadsheets.
- Collaborated with team of 8 in the development of in-house Attendance Management System to combat turancy /absentism and resoucre allocation managment system
Affiliations
- Promoted to Head Process improvement after only fifteen months in the Department
- Oversaw 12 Middle and Junior employees.
- Achieved improved efficiency on Staff Loans Policy by completing Process Optimix=zation of four key Staff Loans.
Certification
Balance Score Card Certification by Balance Scorecard Institute
Interests
Timeline
Head, Process Improvement
Nigeria Deposit Insurance Corporation
03.2023 - Current
Balance Score Card Certification by Balance Scorecard Institute
10-2021
Head Service Innovation
Nigeria Deposit Insurance Corporation
06.2021 - 02.2023
Senior Bank Examiner
Nigeria Deposit Insurance Corporation
07.2017 - 06.2021
Chartered Institute of Banking Nigeria
06-2013
Chartered Institute of Banking Ireland
06-2013
MBA - Chatered Banking
Bangor University
03.2013 - 06.2023
Finacial Analyst
Nigeria Deposit Insurance Coporation
11.2010 - 06.2017
Institue of Credit Adminstration
08-2009
Regional Credit Officer
Unity Bank Plc
11.2007 - 01.2008
Bank Branch Manager
Unity Bank Plc
11.2006 - 11.2007
Profit Center Manager
Unity Bank Plc
01.2005 - 07.2008
MBA - Human Resources Management
Lagos State University
09.2003 - 08.2005
Postgraduate Diploma (PGD) - Managment
University of Calabar
01.2001 - 10.2001
Head of Operations
Intercity Bank Limited (Unity Bank Plc)
07.1997 - 11.2006
Bachelor of Arts - Mass Communication
Bayero University Kano
12.1990 - 05.1995
A' Level - Advance Level GED
Inst. Basic & Applied Science, Kwara Polytechnic
10.1988 - 08.1990
High School Diploma -
Queen Elizabeth Secondary School
10.1983 - 06.1988
Primary School Leaving Certificate - O, Level
Kilburn Park Primary School
08.1979 - 06.1983
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