Femi darabidan

Created Vale Finance as a Subsidiary company, a CBN licensed Finance Company Created Risk Management Framework Ensured Operational efficiency and profitability for the Company Grew and managed Client Portfolio for revenue assurance and Credit Risk associated Managed the Project initiation, Execution, and Management of the IT Development Team for the FINTECH Digital Banking Platform – VALE App (formerly FUNDBAE App, available on Google Playstore) Product Development for VALE App (formerly FUNDBAE) Digital Banking Platform Management of the VALE App (formerly FUNDBAE) Product Launch and Market Entry Campaign Collaborated with key participants to work on the budget. Spearheading strategies to steer the company’s future in a positive direction. Drove the company’s operating capabilities to surpass customer satisfaction and retention, and company goals. Controlled company costs and introduced tactical initiatives to address fraud and other losses. Monitored invoices, money-handling procedures, accounting, and bank processes. Prepared timely and accurate financial performance reports. Oversee marketing initiatives and implemented better business practices. Delegated responsibilities to ensure staff members grow as capable participants. Collaborate with the executive team to create and oversee Budgeting &Strategy Implementation across all the teams and units in the organization. Oversee strategic business operations units to ensure the business is running effectively and optimally. Manage the Human Resources teams to ensure best practices in Employee Engagement, Relations, Motivation, and Performance Appraisal and their impact on lower management teams. Oversee the Product Development Team to ensure feedback from internal & external stakeholders is considered and possible iterations are implemented in a timely manner to meet market demands. Leading B2B Funding, Merchant Partnerships, and Engagements across all verticals. Developing and implementing Executive Management Initiatives and Special Projects. Managed and coordinated the Growth Team to deliver on their Job Descriptions and KPIs to meet the organisation’s strategic objectives.

General Management and Supervision of Banking Operations Coordinated activities to achieve the Bank’s Strategy and Goals Ensured the Bank’s Compliance with the regulatory framework and provisions of the CBN Performed Credit reviews and approval. Conducted portfolio management of the bank’s financial and non- financial assets Supervised Credit monitoring and loan recovery Client acquisition, management, and retention Financial Planning and strategy Loan Reconciliation and Collections management Project implementation and Management – BankOne Integration and Implementation, Mobile App and Internet Banking Development, REMITA and NIBSS Integration Ensured efficiency is achieved across all the business units

Conducted Business Feasibility and profitability activities Supervised the development of business domains, implementation and integration of the core application, and onboarding of BANKONE and CRC (Credit Bureau) Platforms. Supervised Business Expansion and Management Managed Administrative and Human Resources activities. Performed Credit Analysis and Reviews Performed Credit monitoring and Loan recovery – maintaining an NPL ratio of less than 5%. Participated in Client acquisition, management, and retention. Oversee Financial Planning and Business Strategy Conducted Loan restructuring and Recovery. Supervised Sales and Marketing Activities Managed the overall Operations Management for the business. Oversee Loan Reconciliation and Collections management. Implemented and managed business projects such as BankOne Integration and Implementation, Mobile App, and Internet Banking Development Developed and coordinated Business Plans and Operating Strategies Coordinated and supervised the Information Technology Teams for systems software backend developments. Pursued regulatory approvals and licenses at the Central Bank of Nigeria Identified Business market and operational needs and requirements. Identified and coordinated negotiations with Financial Technology vendors for solutions and infrastructure to drive market penetration and sustainability i.e., Nigerian Interbank Settlement Systems Company (NIBSS), REMITA, BANKONE, LEND BY CREDITCLAN, CHAMSSWITCH Financial Products Development Oversee Human Resource Management Developed Operational Manuals and Policies Budgeting and Implementation of Financial Strategies for the group

Carried out New Business Development activities Maintained Customer Relationships and retention Carried out Credit Request Analysis and preparation of Business Case Conducted Credit monitoring and collection activities

Carried out New Business Development activities Maintained Customer Relationships and retention Carried out Credit Request Analysis and preparation of Business Case Conducted Credit monitoring and collection activities

Performed Key Account Relationship Management i.e., Oando Supply and Trading Limited, Oando Marketing Limited (now Enzo Limited), African Petroleum Limited (now Forte Oil), etc. Handled Customer Credit Request Analysis and developed Business Cases Managed Business and Credit Analysis for key clients Monitored Distributorship Finance Scheme for Downstream Oil Marketers i.e., Oando DODO Managed Loans & Credit Utilization for the bank Participated in Revenue Collections Management at Acorn Petroleum Tank Farm Apapa Conducted weekly and monthly reviews on the Oil and Gas Market-industry for the Business Unit