Travelling, Football, learning languages
Titus O. EBARE
Lekki-Ajah
Summary
A highly accomplished and results-oriented Chief Risk Officer with over 20 years of experience in developing and implementing comprehensive risk management frameworks within diverse banking environments. Proven ability to drive regulatory compliance, mitigate financial risk, and improve operational efficiency. Expertise in credit risk, operational risk, market risk, and regulatory reporting. Demonstrated success in leading and motivating high-performing teams and fostering a strong risk culture.
Overview
24
24
years of professional experience
23
23
Certifications
Work History
Chief Credit Officer
UBA Africa
09.2025 - Current
- Deputy General Manager (DGM) Grade Level
- Responsibilities:
- 1. Identification and analysis of various risks inherent in Corporate, commercial and public sector credits requests. Proffer mitigants for identified risks, refine facility structure, transaction dynamics and make appropriate recommendation to guide management decisions.
- 2. Effectively conduct spreadsheet analysis of borrowers’ financials and bring out salient issues needed for informed credit decision-making.
- 3. Financial analysis of customer using credit skills; ratio analysis; balance sheet and cash flow analysis and projections; evaluation of security; evaluation of parent support policies; judgment of management and strategy.
- 4. Conduct non-financial, environmental, business risk and collateral analysis with appropriate recommendation in line with the policy.
- 5. Evaluation and understanding of risk associated with individual transactions, products and borrowers as well as managing to mitigate credit risk in the commercial credit portfolio.
- 6. Ensure that the approval procedures, standards of credit and maintenance, conform to controls/procedures established by head of credit for the business unit.
- 7. Ensure lending decisions are taken based on the Bank’s target market and risk acceptance criteria and in line with the Bank’s Credit policy.
- 8. Provide high level of service to the internal customer base based on accuracy, responsiveness and turnaround time.
- 9. Providing Guidance for the business units in credit structuring.
- 10. Credit risk rating, updates and pricing determinations.
- 11. Review of credit policy from time to time to ensure compliance with current realities and changes in regulatory policies.
- Anglophone West Africa and East-Southern Africa
Chief Risk Officer (CRO), International/Head Risk Transformation
UBA Plc
05.2024 - 09.2025
- Deputy General Manager (DGM) Grade Level
- Responsibilities:
- 1. Development of Risk Management Charter, Policies and Procedures
- A. Acted as the central point of contact for Risk Management outside Africa [UK, America, France, Dubai, and Saudi Arabia] arising within the processes, including being responsible for the evaluation of the design and operational effectiveness of all controls for UBA International.
- B. Develop and recommend risk management operating policies and procedures for the Bank.
- C. Ensure that the countries consistently and effectively follow the Group’s standard risk committee structure. Wherever possible, attend country risk committees as an observer/ advisor.
- B. Develop work standards for risk management personnel and ensure proper implementation of approved policies and procedures.
- A. Ensure Compliance with all relevant laws, codes, rules, regulations, procedures and standards of best working practice including Anti-Money Laundering and the combat against Financial Terrorism, in order to minimize financial loss and reputation of the UBA Group in countries outside Africa.
- C. Provide quarterly updates to the Board Risk Management Committee (BRMC), the enterprise risk management for UBA International.
- 2. Risk Management Process
- A. Assist the Board Risk Management Committee in defining the Bank’s risk appetite in terms of loss tolerance.
- B. Maintain optimal collaboration with internal stakeholders in embedding the Country Risk coverage in the Group Risk Management reports.
- C. Oversee the existing governance for Country Risk Management framework, including the setting and monitoring of Country Risk Appetite and Country Limits.
- D. Manage country limits, and report trends and limit breaches to Group, CRO whilst ensuring a robust culture of limit observance to avoid excesses.
- E. Monitor economic, legal, political and market developments in selected countries and advise on inherent issues the bank faces resulting from its activities.
- B. Develop and implement an enterprise-wide risk management strategy and implement an integrated risk measurement and management framework for all risks facing the Bank.
- C. Develop and implement risk management systems that will assist in identifying, evaluating, measuring and mitigating all risks in the Bank.
- D. Incorporate risk considerations into strategic decision-making and ensure alignment between business strategies of line management and the Bank’s risk policy.
- E. Champion and conduct Bank-wide risk assessment on an on-going basis.
- F. Ensure portfolio optimisation through efficient diversification and risk transfer strategies, in line with the Bank’s risk/reward profile.
- G. Improve risk transparency through implementation of a set of risk metrics, report (losses and incidents, key risk exposures and early warning indicators) and ensure adequate disclosures on risk exposures of the Bank.
- H. Assess the design and operating effectiveness of controls within the Bank’s products and processes, with a view to validating and/or effecting necessary changes to mitigate such risks.
- I. Establish and maintain a risk awareness culture in the Bank and provide appropriate opportunities for organizational learning, including lessons learned from previous problems, on-going communication, training, and development.
- J. Report regularly to the board (through the board committees) and executive management (through the management committees) on significant risk issues.
- K. Oversee the development and maintenance of the Bank’s risk profile, including additions, interdependence and changes that result from significant business initiatives; and
- L. Propose and incorporate risk performance indicators into the Bank’s performance management and reward structures.
- M. Oversee the development and implementation of Basel II and III where applicable.
- Marina, Lagos, Nigeria
Chief Risk Officer (CRO)
Globus Bank Limited
05.2019 - 04.2024
- Responsibilities as Chief Risk Officer:
- Accountable for the enterprise Risk Management of the bank which encompasses all spectrum of risk including but not limited to the core risk areas, Credit, Market and Operational Risk.
- Provide the Board of Directors with independent assessments of all sovereigns, sub-sovereign and non-sovereign default risks, including the establishment of sectoral, product and portfolio limits on risk assets.
- Lead efforts to reduce business risks that can put the bank’s profitability and productivity at risk.
- Propose Interbank placement limits for board approval using CAMEL rating methodology to guide the bank’s dealings with other industry players.
- Implement policies and procedures to minimize or manage Credit, Market and operational risks.
- Ensure proper Credit selection and Structuring, monitoring and collection of loans.
- Manage compliance with regulatory requirements.
- Develop and implement disaster recovery and business continuity plans to ensure minimal Business disruptions.
- Ensure the risks associated with data breaches and hackers are fully mitigated to stamp out system vulnerabilities and other threats.
- Develop risk maps and formulate strategic action plans to help minimize, manage, and mitigate primary risks and then monitor the progress of these efforts.
- Creating and disseminating risk analysis reports and progress reports to different stakeholders, including employees, board members, and C-suite executives.
- Ensuring that risk management priorities are reflected in the company’s strategic plans.
- Measuring the organization’s risk appetite and setting the amount of risk that the bank is able – and willing – to take on.
- Developing budgets for risk-related projects and supervising their funding.
- 3. Risk Transformation
- A. Drive the transformation of risk management processes, frameworks and systems within the group.
- B. Assess current risk management practices and identify areas for enhancement or optimization.
- C. Lead the design and implementation of risk management frameworks, policies and procedures.
- D. Drive the adoption of risk management technologies and tools to improve efficiency and effectiveness.
- E. Collaborate with internal stakeholders to enhance risk reporting and analytics capabilities.
- F. Collaborate with cross-functional teams to enhance risk awareness, streamline risk management processes, and strengthen the overall risk culture.
- G. Help to foster risk culture within the bank through the conduct of training sessions and workshops to promote risk awareness and knowledge across the group.
- H. Lead and support special projects or initiatives related to risk management and business continuity.
- No. 6 Adeyemo Alakija street, Victoria Island, Lagos, Nigeria
- Mentored junior team members to enhance their understanding of complex risk concepts and methodologies, ultimately building a stronger departmental skillset.
- Streamlined organizational processes by conducting thorough risk assessments and recommending improvements.
- Presented risk-related findings to executive management and the board of directors, ensuring that key stakeholders are equipped with the information needed to make informed decisions.
Head, Credit Monitoring & Collateral Management
Diamond Bank Plc
11.2015 - 03.2019
- Manager Grade level
- Responsibilities:
- O General supervision and coordination of Credit Monitoring activities for Retail, Commercial and Corporate Credits through the lifecycle of the credit.
- O Support the Chief Risk Officer in the ongoing evaluation of Portfolio Risk and Credit Risk Management.
- O Proactively identify loans having potential credit weaknesses so that timely corrective action can be taken to minimize losses.
- O Ensure that the business and Credit Risk partnership is working effectively and that deals are being structured and sanctioned in an effective manner by reviewing and monitoring credit files and account activities.
- O Formulate, review and update credit policies, guidelines and procedures relating to the bank’s credit risk management. Ensure compliance with the bank’s credit policies, regulatory authority and accounting policies.
- O Coordinate scheduled loan review activities designed to evaluate credit risk for individual credit as well as conduct spot checks on credits showing early warning signals triggered by market disruptive events.
- O Conduct physical collateral inspection to confirm existence and adequacy of collateral documentations and valuations and assessment of ease of foreclosure and realizability in default scenario.
- O Identify problems credits, review and proffer restructuring options that would preserve the bank’s assets and minimize losses.
- O Undertake regular customer visits to keep abreast of local market developments.
- O Develop, review strategies to improve non-performing facilities, reduce delinquencies, maximize recoveries and minimize losses.
- O Perform deep dive review, including analysis of Value-at-Risk (VaR) on the credit portfolio and provide commentary on the key drivers and communicate to front office teams any potential risk coming from VaR number for risk management purposes.
- O Perform stress testing and scenario analysis on credit portfolios using critical market indices, plausible stress scenarios and internal set parameters.
- O Develop, review and update risk methodologies for assessing and managing corporate and specialized loan portfolio risk issues.
- O monitor key market movements and escalate any potential unfavorable trend to executive management.
- O Participate and contribute to regional and firm-wide initiatives which includes global projects on re-engineering risk management & back-office system, improvement on reporting analytics on market, dashboard reporting and other reporting tools.
- O Participate in all lenders meetings for facilities syndicated with other lending institutions.
- O Review current processes, identify opportunities for improving efficiency & controls and delivering tactical/strategic solutions.
- O Prepare summary credit risk notes identifying risk of individual risk assets transactions and advising on their mitigation for management and board committees.
- O Perform credit rating and propose rating recommendations on restructured credits.
- O Maintain an appropriate database for credit reports by ensuring customers’ credit files are updated with all requisite credit approval documents and agreements, security documents and all correspondence with the customers.
- O Ensuring that Legal obligations are implemented and track legal recovery processes to ensure favorable outcome for the bank, where legal action is recommended.
- O Generate and escalate periodic and requested management reports ensuring accuracy and timely delivery to board committees and executive management.
- O Led the team that interfaces with CBN examiners during the CBN Risk Based Supervision of the bank and the Year-end audit.
- O Prepare Credit Risk management dashboard highlighting key risk metrics and present same at the Management Credit Risk Committee and Board Credit & Risk Committee.
- O Led the team that interfaces with External Auditors during the audit of the bank’s loan book.
- O Functioned as Head, Credit Risk Management from time to time when duty calls.
- O Perform other duties as may be assigned by the Head, Credit Risk Management.
- PGDs Place, Lekki Epe expressway, Lekki, Lagos, Nigeria
Deputy Manager
Diamond Bank Plc
04.2014 - 11.2015
- Grade level
- Head Credit Monitoring, Corporate Banking division
- Responsibilities:
- O Risk assessments of Credits in the Lagos/West Region.
- Maintains a current knowledge of changing legislation and regulatory climate and recommends changes to the firm’s credit policies and procedures.
- Oversee regulatory compliance with regulatory authorities.
- Coordinate loan review activities designed to evaluate credit risk and maintain the integrity of the credit reporting system.
- Develop strategies to improve non-performing facilities, reduce delinquencies, maximize recoveries and minimize losses.
- Identify potential problem credits and provide guidance to staffing restructuring the credit to minimize losses.
- Provide technical guidance to subordinates in the design and formulation of their work programs.
- Formulate, review and update policies, guidelines and procedures relating to the Bank’s credit risk management.
- Prepare summary credit risk notes identifying risks of individual Risk assets transactions and advising on their mitigation. Formulate and propose rating recommendations to the Credit Analyst.
- Develop, review and update methodologies, processes and systems for assessing and managing commercial credit risk.
- Other Ad hoc Jobs as directed by the Divisional Head, Credit Risk Management.
- PGDs Place, Lekki Epe expressway, Lekki, Lagos, Nigeria
Assistant Manager
Diamond Bank Plc
01.2012 - 03.2014
- Grade level
- Acting. Regional Monitoring Manager – Lagos & West Region
- Responsibilities:
- O Ensuring compliance with DB Credit policies, regulatory authorities and accounting and tax regulations.
- Analyse all Risk inherent in Credits.
- Reviewing of executed documents to ensure the bank is adequately protected in all contracts.
- Ensuring Credit Approval limits are in line with the prevailing Limits and Delegated Lending Authorities approved by the EXCO.
- Ensuring Collateral are valued and inspected on a regular basis as well as undertaking regular annual bank wide collateral review of all credit facilities. Suggest appropriate stock control techniques to Relationship Managers to ensure judicious use of credit availed to their client.
- Conduct review of request for release of collateral from lending units/branches and make appropriate recommendation to Regional Monitoring Manager, Lagos/West.
- Conducted snap checks on branches, customers, warehouses or premises.
- Monitor transaction dynamics and performance of all risk assets and promptly recommend appropriate action to Management.
- Monitor and review pricing of credit facilities and ensure all fees and charges are collected as approved to forestall income leakages.
- Post-disbursement review and monitoring of facilities to ensure compliance with the credit policy and terms conditions of approval.
- Commission registered Estate Agents to conduct valuation of pledged assets and review reports submitted by the Agents.
- Contributing to the preparation of critical credit reports for management review and decision making.
- Produce regular reports on maturity/expiry of insurance and other collateral documents.
- Promptly identify and report overdue deferral documentation and follow-up with Branches on regularization. Obtain responses from branches on uncollected shipping documents.
- Review, observe and escalate breaches of the Credit Policy. Provide statistical data to identify cases of default.
- Preparation of weekly activity report.
- Follow-up on Loan Review Committee Decisions and ensure that they are implemented.
- Maintain current knowledge of changing legislation and regulatory climate.
- Providing input to risk identification and assessment in coordination with risk and opportunity management function.
- Drafting, receiving, examining, commenting, filing and keeping track of all correspondence exchanged during project execution.
- Ensuring that corporate policies and guidelines together with all the legal obligations are implemented and respected for all projects financed.
- Perform credit rating and propose rating recommendations on both old and new risk assets transactions.
- Providing information and advice to other departments or assistance in the operational Risk Management.
- Maintain an appropriate database for reports and outputs of projects financed by the bank.
- Develop relevant methods that include data gathering to track and monitor progress towards achieving the project targets.
- PGDs Place, Lekki Epe expressway, Lekki, Lagos, Nigeria
Senior Banking Officer
Diamond Bank Plc
11.2010 - 12.2012
- Grade Level
- Credit Risk Analysis and Monitoring
- Responsibilities as Regional Risk Monitoring Manager
- Ensuring compliance with DB Credit policies, regulatory authorities and accounting and tax regulations.
- Analyse all Risk inherent in Credits.
- Reviewing of executed documents to ensure the bank is adequately protected in all contracts.
- Ensuring Credit Approval limits are in line with the prevailing Limits and Delegated Lending Authorities approved by the EXCO.
- Ensuring Collateral are valued and inspected on a regular basis as well as undertaking regular annual bank wide collateral review of all credit facilities. Suggest appropriate stock control techniques to Relationship Managers to ensure judicious use of credit availed to their client.
- Conduct review of request for release of collateral from lending units/branches and make appropriate recommendation to Regional Monitoring Manager, Lagos/West.
- Conducted snap checks on branches, customers, warehouses or premises.
- Monitor transaction dynamics and performance of all risk assets and promptly recommend appropriate action to Management.
- Monitor and review pricing of credit facilities and ensure all fees and charges are collected as approved to forestall income leakages.
- Post-disbursement review and monitoring of facilities to ensure compliance with the credit policy and terms conditions of approval.
- Commission registered Estate Agents to conduct valuation of pledged assets and review reports submitted by the Agents.
- Contributing to the preparation of critical credit reports for management review and decision making.
- Produce regular reports on maturity/expiry of insurance and other collateral documents.
- Promptly identify and report overdue deferral documentation and follow-up with Branches on regularization. Obtain responses from branches on uncollected shipping documents.
- Review, observe and escalate breaches of the Credit Policy. Provide statistical data to identify cases of default.
- Preparation of weekly activity report.
- Follow-up on Loan Review Committee Decisions and ensure that they are implemented.
- Maintain current knowledge of changing legislation and regulatory climate.
- Providing input to risk identification and assessment in coordination with risk and opportunity management function.
- Drafting, receiving, examining, commenting, filing and keeping track of all correspondence exchanged during project execution.
- Ensuring that corporate policies and guidelines together with all the legal obligations are implemented and respected for all projects financed.
- Perform credit rating and propose rating recommendations on both old and new risk assets transactions.
- Providing information and advice to other departments or assistance in the operational Risk Management.
- Maintain an appropriate database for reports and outputs of projects financed by the bank.
- Develop relevant methods that include data gathering to track and monitor progress towards achieving the project targets.
- Plot 730 Adeola Hopewell St. Victoria Island, Lagos, Nigeria
Banking Officer
Diamond Bank Plc
05.2008 - 11.2010
- Grade level
- Regional Risk Analysis & Monitoring Officer – Lagos Island Region
- Responsibilities as Regional Risk Monitoring Manager
- Ensuring compliance with DB Credit policies, regulatory authorities and accounting and tax regulations.
- Analyse all Risk inherent in Credits.
- Reviewing of executed documents to ensure the bank is adequately protected in all contracts.
- Ensuring Credit Approval limits are in line with the prevailing Limits and Delegated Lending Authorities approved by the EXCO.
- Ensuring Collateral are valued and inspected on a regular basis as well as undertaking regular annual bank wide collateral review of all credit facilities. Suggest appropriate stock control techniques to Relationship Managers to ensure judicious use of credit availed to their client.
- Conduct review of request for release of collateral from lending units/branches and make appropriate recommendation to Regional Monitoring Manager, Lagos/West.
- Conducted snap checks on branches, customers, warehouses or premises.
- Monitor transaction dynamics and performance of all risk assets and promptly recommend appropriate action to Management.
- Monitor and review pricing of credit facilities and ensure all fees and charges are collected as approved to forestall income leakages.
- Post-disbursement review and monitoring of facilities to ensure compliance with the credit policy and terms conditions of approval.
- Commission registered Estate Agents to conduct valuation of pledged assets and review reports submitted by the Agents.
- Contributing to the preparation of critical credit reports for management review and decision making.
- Produce regular reports on maturity/expiry of insurance and other collateral documents.
- Promptly identify and report overdue deferral documentation and follow-up with Branches on regularization. Obtain responses from branches on uncollected shipping documents.
- Review, observe and escalate breaches of the Credit Policy. Provide statistical data to identify cases of default.
- Preparation of weekly activity report.
- Follow-up on Loan Review Committee Decisions and ensure that they are implemented.
- Maintain current knowledge of changing legislation and regulatory climate.
- Providing input to risk identification and assessment in coordination with risk and opportunity management function.
- Drafting, receiving, examining, commenting, filing and keeping track of all correspondence exchanged during project execution.
- Ensuring that corporate policies and guidelines together with all the legal obligations are implemented and respected for all projects financed.
- Perform credit rating and propose rating recommendations on both old and new risk assets transactions.
- Providing information and advice to other departments or assistance in the operational Risk Management.
- Maintain an appropriate database for reports and outputs of projects financed by the bank.
- Develop relevant methods that include data gathering to track and monitor progress towards achieving the project targets.
- No 43A Afribank St. Victoria Island, Lagos, Nigeria
Banking Executive
Diamond Bank Plc
08.2005 - 12.2007
- Grade level
- Team Leader Corporate Audit & Investigation Department
- Responsibilities as Team Lead Corporate Audit & Investigation
- Special investigations of customers’ complaints, fraud, malpractices
- Provision of required systems audit materials for external auditors and regulatory authorities (Central Bank of Nigeria, National Drug Law Enforcement Agency, Nigerian Deposit Insurance Corporation etc.) when required.
- Verification and confirmation of customer’s statements tendered for visa application.
- Routine inspection of Branches and Head office units and subsidiaries
- Income assurance audit.
- Conducting substantive tests on the bank transactions to ensure adequate data integrity;
- Testing compliance of Operations infrastructure to bank policies and procedures;
- Routine Inspection of offshore branches –Diamond Bank du Benin
- Confirmation of inter bank balances.
- Other ad-hoc Jobs as may be directed by Head, Corporate Audit Division.
Executive Trainee
Diamond Bank Limited
02.2003 - 08.2005
- Grade level
- Team Member, Corporate Audit & Investigation Department.
- Responsibilities as Team Member – Corporate Audit & Compliance Unit:
- Conduct internal audits prior to an external audit to ensure bank policies and operations are up to standard.
- Monitor the operations and procedures of the different sections of a bank to ensure overall compliance.
- Conduct assessments to identify areas of potential compliance risks in order to implement preventive/corrective strategies to address compliance issues.
- Provide reports on a regular basis to senior management to keep them updated on progress of compliance operations.
- Organize compliance programs to educate bank staff on recent and already existing compliance requirements.
- Monitor regulations and regulatory change as well as industry best practice and update the Horizon Scanning tracker as appropriate.
- Support the Compliance Team, with the delivery of the Bank’s vision for Compliance and complement the actions of the other team members de-risking the Bank.
Operations Inspector
Diamond Bank Limited
03.2002 - 12.2002
- National Youth Service Corps (NYSC)
- Responsibilities
- Caution Notice management;
- Under studying Operations and System Inspectors
- Confirmation of Inter-bank balances to other banks and customer balances to embassies.
- Preparation of statutory returns to CBN/NDIC.
Marketing Officer
Diamond Bank Limited
01.2002 - 03.2002
- Plot - Marketing Officer (e - Business division)
- National Youth Service Corps (NYSC)
- Responsibilities
- Marketing of the banks Valucard/Paycard to customers;
- Marketing of the various consumer products of the bank: DISA Accounts, D-TAP, Accounts, and other products for MTN;
- General relationship management of e- Business customers.
Education
Chief Executive Officers program -
Lagos Business School
01-2025
certificate on Fundamentals of Risk Management - undefined
United Nations Institute of Training & Research
01-2011
Master’s in Business Administration - Finance
Obafemi Awolowo University
Ile-Ife, Nigeria01-2010
B.Sc (Hons) Accountancy - undefined
University of Maiduguri
Maiduguri, Nigeria01-2000
Senior School Certificate (S.S.C.E) - undefined
Federal Govt. College
Maiduguri, Nigeria01-1995
Skills
Flexcube Retail and Corporate usage
Finacle Corporate and Finacle Treasury Usage
Statistical Package for Social Sciences (SPSS)
Microsoft Power Bi data analytic software
Proficient in ACL program/SQL usage
Effective use of Project office suite for project management of banks funded projects
Advanced Computing skills including Microsoft Excel spreadsheet with excellent application of pivot tables, Xlookups, Vlook ups, Macros, advanced formulas, bar and pie charts for use in reporting trends and analysis of data
Easy and fast understanding of Systems and Application Software as they become available
Credit Risk Management
Operational Risk Management
Market Risk Management
Risk Process Automation
Regulatory Compliance (Basel II/III, IFRS)
Risk Framework Development
Portfolio Management
Credit Rating and Analysis
Financial Analysis
Stakeholder Management
Team Leadership
Risk Mitigation
Strategic Planning
Loan structuring
Leadership qualities
Continuous improvement mindset
Regulatory compliance
Risk management expertise
Underwriting expertise
Compliance assessments
Collateral risk
Compliance reviews
Accomplishments
- Initiated and managed the process of the first rating for Globus Bank Limited by GCR and Agusto & Co. and achieved an Investment Grade rating (BBB+) for the bank.
- Maintained Zero (0%) NPL ratio since the inception of Globus bank (5 years +).
- Headed the Staff Disciplinary Committee (SDC) and assisted in institutionalising consequence management as part of the overall talent management framework.
- Set-up the Risk Management functions of Globus bank and formulated frameworks and policies for management of risk.
- Developed Credit Rating and Derivative model for Globus bank which was duly certified by the bank’s external Auditors (PwC).
- Played an active role in the merger and integration of 2 banks as well as implementation banking software for loan origination and management.
- Developed a cashflow monitoring application for the real time monitoring of facility account activity.
- Developed Early Monitoring Alert Notification system for the management of Bankwide Credit Risk at Diamond Bank Limited
- Successfully monitored the execution and completion of Shoprite, Onitsha project – Onitsha, Anambra state ($15m).
- Successfully monitored the execution and completion of Wabeco Tank farm project – Calabar Cross River state ($20m)
- Participated in due diligence missions of some financial Institutions targeted for acquisitions on behalf of Diamond Bank Plc for the purpose of contributing to a better understanding of risks associated with them.
- Formulated the project Monitoring template/procedure and prequalification criteria for the engagement of project monitoring consultants in July 2011.
- Improved Credit risk mitigation by leading the team that developed an application for automation of Insurance premium collection on the bank’s secured loan throughout the loan life cycle.
- Led the team that developed the Credit Risk Management policy and Framework for Diamond Bank in 2015.
- Developed the procedural manual for the Monitoring Specialized lending, Power, Maritime and Oil & Gas sector loans.
- Drafted the Risk Control Self-Assessment for Credit Risk Management.
- Led the automation of the credit workflow processes in Credit risk Management.
- Developed several models, templates and portfolio reports for the bank to reduce credit Risk, fraud and to improve operational control.
Affiliations
- - Member, Information System Audit and Control Association (ISACA)
- - Member, Global Association of Risk Professionals (GARP)
- - Associate Member, Chartered Institute of Risk Management (CIRM)
Certification
- Managing Risk in Financial Institution – Lagos Business School (March 2017)
Interests
Timeline
Chief Credit Officer
UBA Africa
09.2025 - Current
Chief Risk Officer (CRO), International/Head Risk Transformation
UBA Plc
05.2024 - 09.2025
Chief Risk Officer (CRO)
Globus Bank Limited
05.2019 - 04.2024
Head, Credit Monitoring & Collateral Management
Diamond Bank Plc
11.2015 - 03.2019
Deputy Manager
Diamond Bank Plc
04.2014 - 11.2015
Assistant Manager
Diamond Bank Plc
01.2012 - 03.2014
Senior Banking Officer
Diamond Bank Plc
11.2010 - 12.2012
Banking Officer
Diamond Bank Plc
05.2008 - 11.2010
Banking Executive
Diamond Bank Plc
08.2005 - 12.2007
Executive Trainee
Diamond Bank Limited
02.2003 - 08.2005
Operations Inspector
Diamond Bank Limited
03.2002 - 12.2002
Marketing Officer
Diamond Bank Limited
01.2002 - 03.2002
certificate on Fundamentals of Risk Management - undefined
United Nations Institute of Training & Research
Master’s in Business Administration - Finance
Obafemi Awolowo University
B.Sc (Hons) Accountancy - undefined
University of Maiduguri
Senior School Certificate (S.S.C.E) - undefined
Federal Govt. College
Chief Executive Officers program -
Lagos Business School
Tech Savy enthusiast
Strong passion for emerging technologies, digital tools, and innovative solutions.