VINCENT KALU M.
Lagos,Eti-Osa East LGA
Summary
A seasoned professional with leadership qualities and a strategic mindset. Knowledgeable about driving business growth, managing cross-functional teams, and fostering innovation. Ready to use and develop strategic planning, team leadership, and business development skills in achieving company goals.
Overview
19
19
years of professional experience
2003
2003
years of post-secondary education
Work History
CEO
Aurora Spring Koncepts and Services Limited
Lagos
07.2021 - 11.2024
- Developing and implementing the [company] strategic plan and vision
- Leading the executive team and providing guidance to other key stakeholders
- Ensuring the company's financial sustainability and growth, including managing cash flow and fundraising activities
- Building and maintaining strong relationships with clients/customers, investors, and other stakeholders
- Overseeing day-to-day operations and making decisions that drive growth and success
- Representing the company to the public and media
- Ensuring compliance with regulatory and legal requirements, including corporate governance
- Fostering a culture of collaboration, innovation, and excellence
- Providing leadership and management skills to create a high-quality work environment
- Motivating and developing the management team and high-performing employees
- Utilizing problem-solving skills to address complex challenges and drive continuous improvement
Corporate Relationship and Strategic Business Manager
Royal Heritage Private Security
Lagos
05.2019 - 06.2021
- Brought about new and intuitive innovations towards the improved operations of the business
- Recommended restructuring of the business process and model in line with industry best practices
- Carried out business development activities to boost the client base of the company
- Rejuvenated and revived comatose corporate relationships with past clients and reopened business relationships with them
- Maintained correspondence with existing and new clients continually improving the services of the company
- Took charge of new security beats activation process, ensuring manpower, materials and personnel are swiftly deployed and beat stabilized and secured
- Performed risk assessment and threat analysis for the company and ensuring reports are made available within 24hrs after the site inspection
Debt Recovery Consultant
Royal Heritage Law
Lagos
03.2019 - 06.2021
- Evolved the debt recovery processes
- Achieved a major landmark in skip tracing debtors who have been non-traceable and unreachable, to deliver demand notices to
- Achieved commendation from EFCC operatives at helping to locate elusive debtors the firm petitioned against, whom the EFCC have not been able to locate
- Expanded the desk of debt recovery to incorporate Credit Collections and Asset repossessions/disposals for expanding client base of the Law firm
- Significantly boosted the revenue of the Department by increasing client base while streamlining costs incurred by the unit
- Reinforced the firm's relationship with its clients, giving my wealth of experience in the financial services industry
Debt Recovery /Consult Manager
Onward Paper Mill
Lagos
01.2018 - 03.2019
- Following up on overdue invoices
- Negotiating defaulted or delinquent debts
- Maintaining a complete Debt collection portfolio
- Initiating Debt resolution techniques to achieve revenue targets
- Proffer solutions to maximize swift payment by debtors
Debt Recovery Officer
Murphy Brown Commercial ENT.
PH
07.2016 - 12.2017
- Company Overview: (Debt Management and Recovery)
- Business Development by exploring new client prospects to boost client base of the Firm
- Representing the Firm in meetings With Company's Principals
- Planning Logistics in out of office and location meetings
- Credit Collection and Debt Recovery functions i.e
- Call centre, Debtor communication and Visitation
- Rendering Debt Recovery Reports and submitting payment Cheques from Debtors to Company Principal
- (Debt Management and Recovery)
Remedial Assets Officer
Diamond Bank Plc.
Port Harcourt
08.2010 - 05.2016
- Analyzed, reviewed and reconciled past due accounts determining actual reasons for delinquency and remediating same timely
- Engaged debtors on the payment of overdue receivables (Past Due Obligation) and negotiated terms of repayment
- Recovered outstanding overdue receivables thus preventing receivables exceeding maximum of sixty days past-due
- Proposed reconciliation entries to reflect achieved recoveries on fully written off accounts
- Met with the promoters of Memorandum accounts i.e
- Off Balance Sheets accounts recommending possible restructures to revive these accounts
- Representing the region in Loan Review committee meetings and making recommendations to be approved by Credit Risk Management
- Recommended specific interest waivers and reductions to Credit Management, for under-performing accounts, to stimulate crucial repayments
- Processed write-offs and declassification/reclassification request of accounts that meet approved concessions
- Ensured declassified accounts were properly monitored by the Business Units and relationship officers for better performance
- Constantly Worked with Credit Bureaus, account relationship officers, business managers, legal counsels and other stake holders to ensure positive result is achieved in the recovery (credit collection) efforts
- Met regularly with the delinquent account holders to fashion out best ways of recovering the Bank's exposure
- Devised proactive ways to boost the management of mortgaged collaterals
- Boosted sales of pledged collaterals and other assets, by exploiting social platforms for property sales
- Assigned Recovery Agents and regularly met with them on recovery efforts and drive
- Ensured the regions recovery budget was within view while keeping the recovery expense at the barest minimum
Resident Internal Control Officer
Diamond Bank Plc.
Nnewi
08.2008 - 08.2010
- Performed cash counts and spot checks on operational procedures of the Branch
- Ensured Fixed Asset register was reviewed to ascertain the exact condition of the bank's assets
- Reviewed daily the previous business days transactions are error free and recommending corrective entries if necessary
- Reviewed Credit Files of facility customers and ensured strict adherence of facility transaction dynamics
- Reviewed daily all suspense accounts and related GL's for fictitious/failed transactions
- Monthly GL reconciliations to prove the end of Month balance sheet
- Ensure Operations, Business Units and Admin are working within the frame work of the Banks policy
- Provide significant feedback on the internal control procedures of the bank for improved policies
- Review and monitor the security policies of the Bank for adherence
Branch Operations Services
Diamond Bank Plc.
Port Harcourt
07.2005 - 08.2008
- Cash and Teller Services Supervisor
- Open Branch Batch and Vault Teller for daily transactions
- Vault out of cash to tellers for payout
- Source for cash from other Banks to meet emergency cash needs
- Authorize teller transactions above teller limits
- Prepare Unit cash position of Branch Vault, and send for approval in cases where insurance limit on the vault is exceeded
- Vault in Teller and Bulk Teller cash to ascertain true position of Branch Vault
- Teller Services Officer (TSO)
- To co-ordinate Teller activities ensuring tellers each time, have all they require to carry out their functions effectively
- Assist tellers in their extra functions of Filmdex, confirmation of Cheques, Vault out of cash
- Assist in authorization of teller transactions that exceeds their limits
- Ensuring Tellers conclude their transaction daily on time, to ensure they meet up to daily Vault in time
- Assist the Cash officer in sourcing for cash from other Banks that may have excess to sell
- Assist Cash Officer in ensuring Final Vault in time is achieved to ensure speedy close of the Branch Batch
- Funds Transfer Services Representative (FTSR)
- Issued Managers Cheques and Telegraphic Transfers to both customers and walk-in customers alike
- Treating of Branch expenses by posting into the correct expense head
- Term Deposit Booking, and liquidations
- Posting of other Banks Cheques into Customers Accounts
- Ensuring Monthly amortizations are done
- Payout of Western Union Money Transfer Transactions
- Tax Remittances of Vat and WHT to Both Federal and State Governments
- Pay direct Transactions and remittances
- Handling of clearing transactions for the Branch
- Booking of TOD's and maintaining credit line on Customers' Accounts
- Customs Duties payment Transactions, Form A and M processing
- Customer Services Officer (CUSO)
- Cross selling to Walk-in customers the Banks Products
- Identifying and recommending the Best account package to suit any individual customer
- Opening of accounts and generating Account numbers
- Capturing of customers Signature and image, and maintaining same on customer's accounts
- Ensuring Customers get electronic services on their accounts, to ease them in transactions with the Bank
- Issuance of Cheques and debit Cards for collection by Customers
- Ensuring all other maintenances is carried out on all Customers Accounts
Education
Bachelor of Science - Geography
University of Nigeria Nsukka
Nsukka10.2003
High School Diploma - Social Science
Kuramo College
Lagos, State06.1992
Skills
- Research and due diligence
- Due diligence management
- Enhanced Due Diligence (EDD)
- Credit control and debt recovery
- Debt recovery law proficiency
- End-to-end debt recovery
- Microsoft office skills
- Microsoft Suite adept
- Project handling
- Project management experience
- Superior verbal communication
- Excellent oral communication
- Internal communication
- Dynamic team player
- Motivational team player
References
References available upon request.
Timeline
CEO
Aurora Spring Koncepts and Services Limited
07.2021 - 11.2024
Corporate Relationship and Strategic Business Manager
Royal Heritage Private Security
05.2019 - 06.2021
Debt Recovery Consultant
Royal Heritage Law
03.2019 - 06.2021
Debt Recovery /Consult Manager
Onward Paper Mill
01.2018 - 03.2019
Debt Recovery Officer
Murphy Brown Commercial ENT.
07.2016 - 12.2017
Remedial Assets Officer
Diamond Bank Plc.
08.2010 - 05.2016
Resident Internal Control Officer
Diamond Bank Plc.
08.2008 - 08.2010
Branch Operations Services
Diamond Bank Plc.
07.2005 - 08.2008
Bachelor of Science - Geography
University of Nigeria Nsukka
High School Diploma - Social Science
Kuramo College
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