Kehinde Tokunbo Olugbemi
Chief Risk Officer
Lagos,Lagos
Summary
Experienced financial services leader with three decades in enterprise risk management and strategic business development. Demonstrated success in leading risk transformation projects and managing structured finance transactions. Collaborated with regulatory bodies at the board level to enhance governance and compliance. Acknowledged mentor at the Chartered Institute of Bankers of Nigeria, fostering industry growth.
Overview
34
34
years of professional experience
5
5
Certifications
1
1
Language
Work History
Chief Risk Officer
Nova Commercial Bank
07.2023 - 11.2025
- Created and administered enterprise-level risk strategy targeting credit, market, and operational risks.
- Harmonized risk frameworks with established regulatory requirements (CBN, NDIC).
- Supported risk teams by optimizing internal governance system.
- Established solid partnerships with regulators, auditors, and various external stakeholders through effective communication and collaborative efforts on risk-related issues.
- Refined organizational workflows via meticulous risk evaluations and advocating for process improvements.
- Conveyed risk-related findings to executive management and board of directors, ensuring key stakeholders are informed for decision-making processes.
- Implemented routine reviews of existing risk management frameworks, ensuring consistent improvement and alignment with changing market realities.
Divisional Head, Enterprise Risk Management (Ag. Chief Risk Officer) / Corporate Banking
Heritage Bank
09.2015 - 06.2023
- Managed strategic risk assessment processes and maintained compliance with financial reporting regulations.
- Coordinated efforts with stakeholders and regulators on structured finance transactions.
- Formulated ‘bad bank’ strategy to optimize asset quality.
- Cultivated enhanced risk culture through focused training sessions for employees throughout all organizational levels.
- Performed consistent assessments of established risk management practices, facilitating persistent enhancement and responsiveness to fluctuating market conditions.
- Investigated third-party relationships to detect potential risks tied to outsourcing ventures or alliances.
Group Head, Emerging Corporates
First City Monument Bank
10.2013 - 01.2015
- Developed Emerging Corporate Business segment from foundation
- Aligned trade finance functions with cash management solutions.
- Facilitated mentorship and strategic guidance to foster professional growth.
- Employed strong analytical and problem-solving abilities to formulate impactful solutions for challenging scenarios.
- Systematized and precise with a dedicated work ethic.
- Thrived in rapid-paced work settings.
- Proficient in operating independently while contributing effectively in a team environment.
Regional Head, VI & Lagos Mainland
Access Bank
11.2008 - 09.2013
- Broadened corporate and commercial banking reach within Lagos.
- Established buyer value models facilitating effective cross-selling strategies.
- Elevated regional performance by deploying targeted sales strategies and optimizing team management practices.
- Elevated market presence via focused marketing initiatives and effective customer relationship cultivation.
- Facilitated ongoing performance evaluations, defining clear expectations and advancing employee development programs.
- Facilitated data-driven decision making through analysis of trends to shape strategic development.
Divisional Head, Commercial Banking & Public Sector
Sterling Bank
02.2007 - 10.2008
- Developed trade finance and loan structures aimed at income enhancement
- Managed public sector collaborations within Oyo region.
- Increased market share via comprehensive competitive analysis, pinpointing emerging business opportunities and prospective clients.
- Revamped divisional operations, driving increased efficiency via strategic process enhancement initiatives.
- Realized financial goals through meticulous budgeting, accurate forecasting, and effective expense management techniques.
- Administered in-depth risk evaluations and instituted necessary mitigation measures.
Profit Centre Manager / Branch Manager
UBA PLC
01.1999 - 02.2006
- Oversaw treasury functions while enhancing deposit mobilization
- Managed credit evaluation processes alongside monitoring and liability advancement.
- Transformed loss-incurring branches into successful operations
Relationship Officer / Unit Head
Diamond Bank
01.1996 - 01.1999
- Managed credit appraisal and new relationship development.
- Prepared and monitored business budgets.
Entrance Control Officer
Cadbury Nigeria PLC (NYSC)
01.1992 - 01.1993
- Monitored quality assurance for production materials.
Education
Chartered Banker MBA (CBMBA) -
Bangor University
UK01.2018
MBA - undefined
University of Ilorin
Nigeria01.1996
BSc - Food Science & Technology
Federal University of Agriculture, Makurdi
01.1992
IJMB & GCE (O-levels) - undefined
School of Basic Studies, Zaria
01.1988
Secondary Education - undefined
Federal Government College, Kaduna
01.1985
Skills
Risk assessment documentation
Enterprise risk mitigation
Audit facilitation
Analytical data insights
Financial resource management
Risk management strategies
Data-driven insights
Crisis response
Data protection
Performance validation
Vendor risk assessment
Cash flow management
Validation of models
Financial risk management
Disaster recovery planning
Market exposure analysis
Incident resolution
Mitigation tactics
Business continuity strategy
Certification
Leading Highly Empowered Teams – Kellogg Business School, USA
Interests
Swimming, Cycling, Literature
Accomplishments
- Spearheaded structured financing deal for the Eko Atlantic City development.
- Participated in Access Bank and Intercontinental Bank merger (Project Star).
- Structured aviation finance deals for SNEPCO, SPDC with Agusto Westland, Italy & Caverton Helicopters, Canada.
- Member of the NUBAN conversion project team (cheque truncation initiative).
- Turned UBA Ejigbo Branch from loss to profit within six months.
Affiliations
- Fellow, Chartered Institute of Bankers of Nigeria (FCIB)
- Member, Chartered Banker Institute (Scotland & Wales) (MCBI)
- Senior Associate Member, Chartered Risk Management Institute of Nigeria (CRMI)
Timeline
Chief Risk Officer
Nova Commercial Bank
07.2023 - 11.2025
Divisional Head, Enterprise Risk Management (Ag. Chief Risk Officer) / Corporate Banking
Heritage Bank
09.2015 - 06.2023
Group Head, Emerging Corporates
First City Monument Bank
10.2013 - 01.2015
Regional Head, VI & Lagos Mainland
Access Bank
11.2008 - 09.2013
Divisional Head, Commercial Banking & Public Sector
Sterling Bank
02.2007 - 10.2008
Profit Centre Manager / Branch Manager
UBA PLC
01.1999 - 02.2006
Relationship Officer / Unit Head
Diamond Bank
01.1996 - 01.1999
Entrance Control Officer
Cadbury Nigeria PLC (NYSC)
01.1992 - 01.1993
MBA - undefined
University of Ilorin
BSc - Food Science & Technology
Federal University of Agriculture, Makurdi
IJMB & GCE (O-levels) - undefined
School of Basic Studies, Zaria
Secondary Education - undefined
Federal Government College, Kaduna
Chartered Banker MBA (CBMBA) -
Bangor University