MBONU HENRIETTA UKACHI
Lagos
Summary
Accomplished and versatile banking professional with over 20 years of comprehensive experience across retail banking, credit management, marketing leadership, and strategic managerial roles.
Adept in navigating various facets of banking operations, including customer management, credit account oversight, and high net-worth clientele engagement.
Proven track record in driving substantial liabilities generation, managing risk assets, and conducting astute financial analyses.
Proficient in leadership, having excelled in roles ranging from Branch Manager to Area Manager, consistently delivering results by aligning strategic vision with operational excellence.
A dedicated professional known for fostering enduring client relationships, driving revenue growth, and implementing innovative solutions to achieve organisational objectives. Seeking to leverage extensive industry expertise and leadership acumen to drive growth and success in a dynamic banking environment.
Overview
26
26
years of professional experience
29
29
years of post-secondary education
Work History
Area Manager
United Bank for Africa
Lagos, Lagos
08.2022 - Current
- Oversaw and guided a portfolio of 9 branches, providing strategic direction to Branch Managers and their teams to maximize revenue (PBT) and drive CASA growth, consistently meeting and exceeding set goals.
- Cultivated a safe and positive work environment for staff members, fostering a culture of productivity, collaboration, and professional development.
- Ensured high levels of customer satisfaction by emphasizing timely and high-quality service delivery across all branches, enhancing the bank's reputation and customer loyalty.
- Managed day-to-day branch operations, aligning activities with established goals and objectives to achieve optimal performance and results.
- Prospected for business opportunities in terms of deposits and risk assets, identifying and capitalizing on opportunities to expand business within the designated area.
- Developed and obtained approval for annual marketing plans and strategies, focusing on liability generation and designated product ranges to drive targeted growth and profitability.
- Monitored and controlled branch income and expenditure, implementing measures to optimize profitability and ensure efficient financial management.
- Reviewed and recommended quality risk assets, contributing to the area's profitability goals while maintaining a balanced risk portfolio.
- Provided coaching and motivation to the team, ensuring they effectively executed their tasks to meet corporate targets and delivery objectives.
Business Manager
United Bank for Africa
Idi Araba , Lagos
03.2014 - 08.2022
- Prepare, develop and obtain approval for annual marketing plans and strategies for liability generation and designated product ranges to enable achievement of targeted growth and profit objectives
- Monitor and control the branch Income and Expenditure to ensure profitability
- Recommend the creation of Risk Assets to increase the branch profitability
- Evaluate market research and competitor analyses in order to formulate marketing plans and strategies
- Maintain and acquire customer relationships to improve deposit liability growth and mix
- Defining and implementing the delivery of marketing strategies and targets
- Coach and motivate team to effectively execute their day to day tasks to meet corporate target and delivery objectives
- Effectively communicate to Team, the corporate policies, objectives and targets of the bank
- Orchestrated a comprehensive operational revamp, initiated targeted marketing strategies, and introduced personalised banking services, leading to the swift turnaround of a loss-making branch within a month with over 110% liability growth within 12 months
- Personally Signed up a substantial no of Trade Customers in the Branch Comprising of both Import and Export Customers who contribute over 80% of the Income of the Branch ( With over $12m LC/ BC Volumes and $20m NXP Volumes, annually)
Cluster Head, Eko Hub, Local Corporates Unit
Ecobank Nig Ltd
Victoria Island , Lagos
12.2012 - 03.2014
- Prospected and cultivated relationships with businesses and high-net-worth clients with an average annual turnover of N750 million and above.
- Managed and nurtured relationships with major clients spanning across 18 branches, ensuring consistent service and satisfaction.
- Identified and analysed the financial requirements of corporate clients, developing customised banking solutions to meet their specific needs.
- Supervised and led a team of 6 members, guiding and coordinating their activities to achieve set goals in income generation, risk asset management, and liability targets.
- Undertook diverse marketing and business development tasks, contributing to various initiatives aimed at enhancing brand visibility and revenue growth.
- Supported the marketing and business development team by providing assistance and expertise in areas requiring additional support.
Branch Manager
Ecobank Nig Ltd
Surulere, Lagos
07.2011 - 12.2012
- Prepare, develop and obtain approval for annual marketing plans and strategies for liability generation and designated product ranges to enable achievement of targeted growth and profit objectives
- Monitor and control the branch Income and Expenditure to ensure profitability
- Recommend the creation of Risk Assets to increase the branch profitability
- Contribute to the effective launching of new products to ensure favorable market response and optimum build-up of revenue
- Evaluate market research and competitor analyses in order to formulate marketing plans and strategies
- Provide strategic direction and operational support to my team
- Defining and implementing the delivery of marketing strategies and targets
- Coach and Motivate Team to effectively execute their day to day tasks to meet corporate target and delivery objectives
- Effectively communicate to Team, the corporate policies, objectives and targets of the bank.
Head of Marketing, Retail Banking Group
Oceanic Bank Plc
Surulere, Lagos
06.2007 - 07.2011
- Led strategic marketing initiatives targeting the retail banking segment, driving customer acquisition and brand visibility.
- Oversaw comprehensive marketing campaigns, aligning efforts with business goals to enhance product adoption and market expansion.
- Analyzed market trends and customer insights to refine strategies, resulting in improved customer satisfaction and retention rates.
- Deputized for the Branch Manager, assuming leadership responsibilities and ensuring smooth branch operations in their absence.
- Collaborated cross-functionally to maintain operational efficiency and uphold service standards, contributing to overall branch success.
- Managed high net-worth customers, providing tailored financial solutions and maintaining strong relationships.
- Developed and executed strategies to mobilise deposits, contributing to the growth of the bank's deposit base.
- Identified and evaluated potential risk assets, including loans and investments, to diversify the bank's portfolio and enhance revenue streams.
Credit, Marketing & Relationship Officer
Zenith Bank Plc
Surulere, Lagos
04.2005 - 06.2007
- Conducted credit assessments, analysing financial statements, credit histories, and risk factors to evaluate loan applications and mitigate potential risks.
- Developed and executed marketing strategies to promote financial products and services, contributing to increased customer engagement and sales.
- Managed customer relationships, providing personalized financial guidance and solutions, ensuring high levels of customer satisfaction and retention.
- Facilitated loan applications, guided customers through the process, and maintained relationships to support ongoing financial needs.
- Nurtured positive customer relationships to increase satisfaction and loyalty.
- Supported AP/AR Manager in mitigating risks associated with credit transactions.
Retail banking executive
Platinum Bank Limited
Surulere, Lagos
01.2002 - 01.2005
- Developed and executed marketing strategies for the bank's specialised products, effectively communicating their unique features and benefits to targeted customer segments.
- Implemented strategies that significantly contributed to increasing the bank's deposit base, resulting in substantial growth in liabilities.
- Identified and evaluated potential risk assets, including loans and investments, to diversify the bank's portfolio and enhance revenue streams.
- Structured and packaged credit facilities tailored to customers' needs, conducting comprehensive analyses of financial statements, credit histories, and risk factors.
- Effectively managed a portfolio of existing customers, serving as the primary point of contact for their needs, inquiries, and concerns.
- Monitored credit accounts, conducting regular reviews to evaluate credit performances, compliance with terms, and mitigate associated risks.
- Provided personalised financial guidance and solutions to high net-worth clients, understanding their complex financial objectives and tailoring services accordingly.
Business development associate
Platinum Bank Limited
Kano, Kano State
01.2001 - 01.2002
- Qualified leads and managed pipeline to drive continuous growth.
- Negotiated favourable contracts, aligning terms to create beneficial new revenue streams.
- Nourished client relationships, cultivating trusting rapport and offering incentives to promote retention and satisfaction.
- Generated complex and detailed reports, presenting business development data to senior leaders.
- Prepared and delivered winning client proposals, business presentations and sales pitches to C-level executives.
- Implemented strategies that significantly contributed to increasing the bank's deposit base, resulting in substantial growth in liabilities.
- Developed and executed customer acquisition initiatives, promoting various deposit products and services to expand the bank's deposit portfolio.
- Identified and evaluated potential risk assets, including loans and investments, to diversify the bank's portfolio and enhance revenue streams.
- Conducted comprehensive risk assessments and financial analysis to determine the feasibility and potential returns of prospective assets.
- Structured and packaged credit facilities for clients, meticulously analysing financial statements, credit histories, and risk profiles to assess creditworthiness.
- Collaborated with customers to understand their financial needs and goals, tailoring credit solutions and packages to align with their requirements.
- Conducted thorough risk assessments and financial analyses to evaluate credit applications, ensuring adherence to regulatory standards and internal policies.
- Controlled credit exposure by reviewing repayment plans, minimising risk and obtaining timely payment.
- Effectively managed a portfolio of existing customers, serving as the primary point of contact for their needs, inquiries, and concerns.
- Monitored credit accounts and conducted regular reviews to assess credit performances, ensuring compliance with terms and mitigating risks.
- Provided personalised financial guidance and solutions to high net-worth customers, understanding their complex financial objectives and tailoring services accordingly.
Client Service Executive
Commercial Internet Xchange (CIX)
Victoria Island, Lagos
01.1999 - 01.2001
- Nurtured strong client relationships to boost satisfaction and loyalty.
- Led regular client reviews to assess satisfaction levels and identify areas for improvement.
- Proactively identified and pursued new business opportunities, resulting in more than 100% increase in client base within two years.
- Secured positive media coverage through well-crafted media kits and masterful press releases.
- Increased brand engagement and media coverage through targeted public relations campaigns.
- Collaborated with cross-functional teams, including sales and product development, to align marketing efforts with business goals and initiatives.
- Developed and executed marketing strategies to promote services and products, resulting in more than 100% increase in customer engagement and sales.
NYSC Marketing Intern
OATO Electronics Ltd
Surulere, Lagos
01.1998 - 02.1999
- Responded to customer queries and provided excellent customer service.
- Delivered goods promptly and accurately to customers' locations within designated timeframes.
- Utilised various data analysis tools and software to consolidate sales data with warehouse inventory records, ensuring accuracy and completeness.
- Created compelling marketing collateral, including brochures, presentations, and digital content, to effectively communicate product/service features and benefits.
- Executed diverse banking operations including account management, deposits, withdrawals, and transaction processing, ensuring accuracy and compliance with regulatory standards.
- Assumed various additional duties across departments, including administrative tasks, project support, and special assignments as directed by my supervisor.
Education
MBA - Financial Management
Lagos State University
Lagos 01.2004 - 12.2025
B.Sc - Banking and Finance
Imo State University
Owerri, Imo State 01.1992 - 12.1998
Skills
- Leadership
- Strategic Planning
- Financial Management
- Business Development
- Customer Service Excellence
- Team Management
- Risk Management
- Communication
- Adaptability and Problem-Solving
- High Level of Integrity and Self-Regulation
- Selling
Languages
English
Advanced
Timeline
Area Manager
United Bank for Africa
08.2022 - Current
Business Manager
United Bank for Africa
03.2014 - 08.2022
Cluster Head, Eko Hub, Local Corporates Unit
Ecobank Nig Ltd
12.2012 - 03.2014
Branch Manager
Ecobank Nig Ltd
07.2011 - 12.2012
Head of Marketing, Retail Banking Group
Oceanic Bank Plc
06.2007 - 07.2011
Credit, Marketing & Relationship Officer
Zenith Bank Plc
04.2005 - 06.2007
MBA - Financial Management
Lagos State University
01.2004 - 12.2025
Retail banking executive
Platinum Bank Limited
01.2002 - 01.2005
Business development associate
Platinum Bank Limited
01.2001 - 01.2002
Client Service Executive
Commercial Internet Xchange (CIX)
01.1999 - 01.2001
NYSC Marketing Intern
OATO Electronics Ltd
01.1998 - 02.1999
B.Sc - Banking and Finance
Imo State University
01.1992 - 12.1998
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