MOSES ANI CHUKWU
Lagos
Summary
Strategic banking executive with 20 years in retail, commercial, corporate, and consumer banking. Led zonal and regional management initiatives, enhancing profitability and deposit growth while transforming trade finance operations. Skilled in P&L management, regulatory governance, and stakeholder relations. Focused on developing high-performing teams and fostering sustainable, low-risk growth.
Overview
20
20
years of professional experience
Work History
Senior/Zonal Manager
Wema Bank
07.2024 - 12.2025
- Set and executed zonal growth strategies, delivering strong deposit, loan, and PBT growth within the appointment period.
- Drove balance sheet expansion through disciplined credit management, trade finance growth, and low-risk portfolio development.
- Monitored and reported zonal performance against daily, monthly, and annual KPIs, ensuring transparency in profitability, asset quality, and compliance.
- Represented Zone at Executive Management Performance Reviews, delivering strategic insights and market intelligence to drive informed decision-making.
- Strengthened relationships with top-tier corporate and high-net-worth clients, enhancing wallet share and optimizing account performance.
- Built and led high-performing teams through mentoring, coaching, and performance management across all branches.
- Ensured strict adherence to regulatory, risk, and governance frameworks, maintaining strong audit and compliance outcomes.
- Led end-to-end banking operations across multiple branches, overseeing 300+ staff and full zonal P&L responsibility.
Area Manager, Area Sales Manager, Branch Manager
United Bank for Africa (UBA)
Lagos
11.2013 - 06.2024
- Provided strategic leadership for branch and area operations, overseeing retail, SME, commercial, and corporate banking portfolios across multiple locations.
- Held full responsibility for deposit mobilization, loan growth, profitability (PBT), and balance sheet performance at branch and area levels.
- Led business development initiatives, driving new account acquisition, revenue growth, and market penetration across assigned territories.
- Managed and supervised 300+ staff across branches and sales offices, focusing on performance management, coaching, and succession planning to enhance team effectiveness.
- Designed and executed turnaround strategies for underperforming branches, restoring profitability and achieving operational efficiency improvements.
- Strengthened relationships with key corporate, institutional, and high-net-worth clients, enhancing wallet share and driving long-term account growth.
- Ensured strict compliance with regulatory requirements, credit policies, and risk management frameworks, maintaining strong audit outcomes.
- Developed training programs to enhance staff performance and service quality.
- Collaborated with senior leadership to implement strategic initiatives effectively.
- Analyzed market trends to identify growth opportunities within the region.
- Evaluated branch performance metrics to drive operational improvements and efficiency.
- Developed strategies for increasing sales, market share and customer satisfaction.
- Implemented training initiatives to coach staff on best practices and protocol for enhanced profitability.
- Identified business opportunities by analyzing consumer trends within local markets.
- Identified and developed top talent to promote performance-oriented culture.
Head of Retail, Consumer, and Commercial Marketing
Zenith Bank Plc
06.2013 - 10.2013
- Recognized as Relationship Manager and Team of the Year for outstanding performance and revenue contribution.
- Achieved highest number of profitable customer relationships in branch during review period.
- Increased branch profitability by acquiring and managing high-value corporate relationship.
- Led team of 20+ staff, enhancing performance through coaching and relationship-focused sales leadership.
Head of Operations
Zenith Bank Plc
07.2006 - 05.2013
- Led end-to-end branch operations, supervising all operational units to ensure efficiency, accuracy, and service excellence across the branch.
- Ensured full compliance with bank policies, internal controls, and regulatory requirements, maintaining zero major audit or compliance breaches.
- Oversaw daily General Ledger (GL) monitoring, reconciliation, and exception management to safeguard financial integrity and balance sheet accuracy.
- Functioned as the branch Anti-Money Laundering (AML) and compliance officer, monitored transactions, escalated suspicious activities, and promoted adherence to KYC/AML regulations.
- Facilitated communication between Head Office and branch operations, ensuring timely implementation of directives and policies.
- Assumed full responsibility for branch leadership in absence of Branch Head, managing staff performance, customer issues, and operational risk effectively.
- Supervised, trained, and mentored 50+ staff, enhancing operational discipline and preparing team for succession.
Assistant Officer 1
First City Monument Bank
04.2006 - 07.2006
- Defined requirements for bank’s e-banking platform, translating business needs into clear functional and technical specifications to guide development.
- Benchmarked proposed e-banking requirements against industry best practices to ensure scalability, security, and regulatory compliance.
- Collaborated with key stakeholders across business, operations, IT, and risk to validate and refine system requirements.
- Facilitated workshops and review sessions with stakeholders to align expectations and finalize approved requirements for successful project execution.
- Coordinated formal approval processes to enable seamless system development and implementation, ensuring stakeholder alignment and project continuity.
Officer 2
Union Bank of Nigeria Plc
01.2006 - 04.2006
- Served as deputy to Head of Operations, ensuring operational oversight and continuity across all functions.
- Managed daily cash vault operations, overseeing cash issuance and retrieval for tellers to maintain accuracy and security.
- Streamlined tellering operations, enhancing customer satisfaction by adhering to service and process standards.
- Verified and authorized cheque payments in line with internal controls and regulatory standards.
Education
Project Management Certification -
Certification Edge
Lagos, Nigeria03.2026
MBA Management -
Ladoke Akinola University of Technology
Nigeria01.2015
Certificate Course In Business Analysis For HR Leaders -
Certification Edge
Lagos, Nigeria01.2006
Certificate Course In Business Analysis -
Certification Edge
Lagos, Nigeria01.2006
B.Sc. - Applied Microbiology and Brewing
Enugu State University of Science and Technology
Nigeria01.1996
Skills
- Strategic and commercial leadership
- Performance management
- Financial oversight
- Trade finance
- Risk governance
- Financial modeling
- Team leadership
- Stakeholder engagement
- Executive communication
- Analytical thinking
- Complex problem solving
References
Available on request.
Awards
- Quarterly Commendation Award for meeting the PBT threshold for 06 quarters back-to-back, 2023
- Quarterly Commendation Award for most improved deposit growth back-to-back (UBA), 2023
- Most Improved Area Sales Manager for Year 2021 (UBA), 2021
- Award in recognition of branch turnaround within two months of resumption (UBA), 2013
- Regional Relationship Manager and team of the year (Zenith Bank), 2013
Timeline
Senior/Zonal Manager
Wema Bank
07.2024 - 12.2025
Area Manager, Area Sales Manager, Branch Manager
United Bank for Africa (UBA)
11.2013 - 06.2024
Head of Retail, Consumer, and Commercial Marketing
Zenith Bank Plc
06.2013 - 10.2013
Head of Operations
Zenith Bank Plc
07.2006 - 05.2013
Assistant Officer 1
First City Monument Bank
04.2006 - 07.2006
Officer 2
Union Bank of Nigeria Plc
01.2006 - 04.2006
Project Management Certification -
Certification Edge
MBA Management -
Ladoke Akinola University of Technology
Certificate Course In Business Analysis For HR Leaders -
Certification Edge
Certificate Course In Business Analysis -
Certification Edge
B.Sc. - Applied Microbiology and Brewing
Enugu State University of Science and Technology