Adesola Adetoro, MBA, FCCA

Experience

• 

  Nestlé

  Feb 2007 - Aug 2007

  Quality Assurance Personnel
• 

  Trinitron Biotech JV

  Mar 2009 - Oct 2010

  Quality Assurance & Control Laboratory Analyst

  • Revised the Standard Operating Procedure and Standard Testing Procedures used in the laboratory for carrying out quality assurance test referencing appropriate pharmacopoeia.• Gave assurance on the quality of raw materials, work in process and finished products.• Calibrated all analytical equipment as per schedule and maintain the record.

• 

  Stanbic IBTC

  Oct 2010 - May 2020

  • Provided insight on the credit portfolio to the Board, EXCO, Regulatory Authorities, Internal Stakeholders and External Auditors• Designed the bank’s first end to end digital instant loan solution.• Functional Stream Lead for the deployment of a new Enterprise Workflow Solution for Retail Loan Origination• Analyze internal and external market and macro-economic trends to identify growth opportunities• Provide Modeling and Analytics Expertise especially as it relates to impairment calculation (IFRS 9), risk weighted asset used in capital adequacy calculation (Basel II), stress testing, portfolio performance forecasting and scenario analysis as well as other Finance Operations• External Liaison with the Central Bank, external Auditors and other Regulatory Bodies on client related issues, and Bank related issues.• Monitoring of the end-to-end Credit Lifecycle process from Origination to Disbursement for Cross sell opportunities and defaults.• Won a Makeathon organized by one of the leading digital platform transformation providers while representing the Bank. Show less • Provided insight into the personal banking loan portfolio of over $250m to the Board, EXCO, Internal Stakeholders and External Auditors.• Proffered several recommendations which led to the growth of the personal banking loan portfolio while maintaining a relatively low credit loss during a period of recession. • Introduced the prescoring of transactional client for credit card which resulted in a 200% growth in the credit card portfolio within a calendar year.• Developed a solution which automate the process for offer letter generation for retail loan which improved turnaround time and reduced reworks due to errors on manually prepared offer letter to less than 2%.• Compute product pricing and margin analysis to ensure profitability• Apply analytics to make better credit policy choices, achieve asset growth and lower than industry average credit losses on portfolio.• Identify variances to Budget and Risk Appetite and recommend corrective actions and strategies to avoid breaches.• Support new product development and existing credit product management Show less • Took lending decision on personal banking loan requests.• Supported the implementation of the CRM platform integration with scoring engine project for personal banking loan.• Review financial and business performance of organizations and corporate to be included as approved employer for retail loan.• Developed a workflow solution using Microsoft InfoPath which incorporate policy rules to improve personal banking loan processing efficiency while reducing paper consumption by more than 90%.• Developed a solution leveraging data generated by the InfoPath form above to fully automate the disbursement call over process using Microsoft Excel Marcos. Show less

  • Credit MIS & Portfolio Reporting Manager

    Aug 2017 - May 2020

  • Portfolio Analyst

    May 2014 - Aug 2017

  • Credit Evaluation Officer

    Oct 2010 - Apr 2014
• 

  Union Bank of Nigeria

  Jun 2020 - Aug 2022

  Head of Retail Portfolio Management

  • Led a team responsible for the monitoring, reporting and management of the retail credit portfolio risk in a challenging macroeconomic climate, recommending adjustments/improvements to the credit policy and risk acceptance criteria which kept all the risk indicators within set trigger level.• Responsible for implementation and management of all Credit Risk Management system application projects.• Responsible for operational execution of the credit policies and fraud prevention activities.• Underwrote and adjudicate high value and exceptional Retail Loan Request.• Review financial and business performance of organizations and corporate to be included as approved employer for retail loan.• Went on Business engagement and supports Retail & SME product managers in the development of credit products to meet customers needs.• Supports the development of collection strategies through analytics.• Implemented a collections scorecard/statistical model which aided loan recovery collections strategy• Developed a credit scoring model using machine learning algorithm with SAS Model Studio for prequalifying self-employed clients for loan which reduced the credit loss in the portfolio.• Responsible for optimization of the decision engine which supports the retail credit process automation and digitization drive, delivering an average of 3 improvement implementation quarterly. Show less

• 

  Servus Credit Union

  Sept 2022 - now

  • Responsible for Identifying and mitigating financial risks associated with integration activities.• Executed the gathering of statistical information for accurate monthly financial reporting.• Developed and maintained reports to influence the operating behavior of management toward business objectives.• Responsible for preparing status reports on progress, risks, and decisions.• Led detailed financial analysis, forecasting, and budgeting to support the integration process considering alternative scenarios and economic prospects.• Acted as a finance business partner providing finance and business support to business units and workstreams.• Responsible for analyzing, revising, and documenting work procedures and processes; recommend methods to increase efficiency and accuracy.• Responsible for advising on controls and risk management processes and practices; identify and recommend potential improvements or immediate risk concerns. Show less • Acts in supportive role in generating innovative strategy and strategic direction of the organization.• Supports the identification, analysis, and mitigation of risks to execution of strategic plan.• Responsible for formalizing and facilitating benefits measurement and tracking of progress on portfolio and operational outcomes.• Providing and designing reports of project performance and benefit realization to Executive Leadership Team.• Responsible for analyzing results relative to execution, identifying, and reporting its strategic implications to senior management and the board of the organization.• Supports initiative teams with business casing to ensure sufficient elaboration.• Responsible for providing independent perspective on the progress of target outcomes.• Collaborating with Enterprise Planning Management team on identifying, prioritizing, and consulting on Strategic, Operational and Business-as-Usual activities and spendings. Show less

  • Senior Financial Analyst, Integration Management Office

    Sept 2024 - now

  • Value Analyst, Strategy & Transformation

    Sept 2022 - Aug 2024