Adesola Ayu

Results-driven manager with over 12 years of experience in microfinance and retail lending environments. Skilled in credit analysis, risk assessment, loan portfolio management and ensuring compliance with all internal and external processes and requirement focusing on control and operational risk as well as customer service quality.

Business Manager at Luminex Business Consult (2023-01 – Present)

Planning and guiding meetings, workshops and sessions to achieve specific objectives. Managing conversations and ensuring inclusive participation. Creating productive environments and assisting clients with project management and business analysis.

• Planning and guiding meetings, workshops and sessions to achieve specific objectives
• Manage conversation and make sure everyone contributes
• Create a productive and inclusive environment
• Assist clients with project management and business analysis
• Mentorship and leadership growth for business owners

Branch Manager at Addosser Microfinance bank (2020-01 – 2020-12)

Developed strategies that exceeded branch targets while maintaining high portfolio quality and customer satisfaction. Implemented lending technology and financial inclusion initiatives with staff training.

• Developed strategies that exceeded branch targets while maintaining high portfolio quality and customer satisfaction
• Implemented lending technology and financial inclusion initiatives, including staff training
• Managed all branch operations, focusing on operational and credit risk management
• Led the branch credit committees, driving growth in the credit portfolio and deposit base
• Develop effective shop floor management strategy that ensures prevention of queues and rapid resolution of unexpected service delays providing excellent customer experience
• Take ownership of operational risk at the branch implement appropriate resolutions

Branch Manager at EdFin Microfinance Bank (2019-01 – 2020-12)

Ensured compliance with bank operations policy and procedures, microfinance statutory regulations, and error and fraud-free processing. Managed operational risk and internal control processes.

• Ensure compliance with the bank's operations policy and procedures Microfinance statutory regulations, error and fraud free processing
• Ensure internal control processes are adhered to and all loan files have required approvals and signatures
• Take ownership of operational risk at the branch implement appropriate mitigants
• Ensure confidentiality of all customer information is maintained at any point in time
• Support business growth and marketing strategies hinged on surpassing the branch targets
• Recommend development of operational policies and procedures as well as products and services to market requirements; stay up to date on relevant market developments and trends
• Develop relationships with customers and other parties relevant to business development and prompt detection of delinquency symptoms
• Maintains positive relationship with staff, other organizations and local authorities and keeps in regular communication with local microfinance organizations

Branch Manager at Letshego Holdings Limited (2016-01 – 2019-12)

Recommended development of operational policies and procedures aligned with market requirements. Ensured compliance with statutory regulations and internal control processes.

• Recommend development of operational policies and procedures as well as products and services to market requirements; stay up to date on relevant market developments and trends
• Ensure compliance with the bank's operations policy and procedures Microfinance statutory regulations, error and fraud free processing
• Ensure internal control processes are adhered to and all loan files have required approvals and signatures
• Take ownership of operational risk at the branch implement appropriate mitigants
• Ensure confidentiality of all customer information is maintained at any point in time
• Support business growth and marketing strategies hinged on surpassing the branch targets
• Develop relationships with customers and other parties relevant to business development and prompt detection of delinquency symptoms
• Maintains positive relationship with staff, other organizations and local authorities and keeps in regular communication with local microfinance organizations
• Creditworthiness assessment, risk analysis, loan recommendation, portfolio management, and risk reporting

Savings Officer/Relationship officer/Senior Relationship officer at FBN Microfinance Bank Limited (2009-01 – 2016-12)

Created awareness about the bank and mobilized customers for savings and credit delivery. Managed group and individual accounts ensuring compliance with statutory regulations.

• Creating awareness about the bank and mobilizing customers for the purpose of savings and credit delivery
• Managing group and individual account in line with the bank's policy and ensure compliance of statutory regulations
• Disbursement of loan and monitoring credits given out to ensure recovery within the stipulated time line
• Carried out from time to time customer relationship management and ensure retention within predetermined threshold

Industrial Trainee at FirstBank Plc (2007-01 – 2008-12)

Handled office administrative and secretarial duties including payment voucher processing and petty cash transactions.

• Raising of payment vouchers and recording of petty cash transactions
• Call over of expenses vouchers with print outs
• Handling of office secretarial duties i.e. photocopying, typing and printing
• Receiving, Recording, dispatching of mails and receiving of phone calls/dissemination of messages

B.Sc in Business Administration – Lagos State University (2014-01)

OND in Business Administration – Lagos State University (2006-01)