Augustine Efede

Strategic and results-oriented Business Administrator with over 7 years of experience in financial services, credit management, and business development. Proven ability to structure and analyse loan requests, implement credit risk models, monitor repayment schedules, and drive disbursement growth across various loan products. Demonstrated success in leading teams, expanding customer base, and optimizing repayment performance.

Delivered over ₦10.7 billion in disbursements across bridge finance, salary loans, and business loans within two years.

Head of Retail Lending & Digital Sales Growth at NextExpress Ventures LTD (2022-11 – Present)

• Reviewed and advised on credit decisions across bridge finance, salary financing, business financing, and structured finance.
• Applied and updated predefined credit score models in line with regulatory and industry standards.
• Monitored repayment cycles and ensured timely collections.
• Monitored and analyzed customer calls via the 3cx system to improve engagement.
• Introduced and promoted loan application system to streamline customer onboarding, automate documentation, track loans and repayments, and send a timely reminders seven days before repayment due dates which reduce turnaround time and boosting customer satisfaction.
• Contributed to digital revenue growth by improving response efficiency and client experience.
• Supported the digital sales team by tracking conversion metrics and customer feedback.
• Coordinated departmental activities, set targets, and coached junior credit officers to meet KPIs.
• Expanded the customer base and managed strategic relationships resulting in high-value disbursements: ₦5B bridge finance (2023), ₦3.5B (2024), ₦600M salary loans (2023), ₦900M (2024), ₦300M business loans (2023), ₦700M (2024).
• Led a team that collectively brought in ₦600M in salary loans in 2023.

Business Development Office at CredCentral Limited (2017-10 – 2022-10)

• Started with a ₦5M monthly salary loan target, consistently achieving and exceeding expectations.
• Progressively advanced to ₦7.5M, ₦20M, and then ₦50M as Team Lead, eventually driving team targets up to ₦80M monthly.
• Acquired and managed new customers, expanding the company's client base and revenue streams.
• Brought in key investors to boost company growth and income.
• Trained and mentored new staff on innovative sales strategies, loan product knowledge, and customer service best practices.
• Driving Online Sales and Revenue through digital Channels (calls, email, and social media)
• Tracking performance metrics like conversation rates and call outcomes
• Ensuring leads generated online were converted to paying customers.
• Promoted to Team Lead, driving collective performance and surpassing group disbursement goals.

Customer Manager at African Alliance Insurance (2016-01 – 2017-10)

• Prospected and identified customer needs, recommended suitable policies, and delivered tailored insurance solutions.
• Contributed customer service insights to strategic plans, implemented improvements, and ensured client satisfaction.

Admission Officer (NYSC) at Hopewell College (2016-01 – 2017-12)

• Monitored and maintained office equipment and supplies.
• Created and managed student records and databases.
• Prepared reports, coordinated logistics, and supported departmental staff.
• Organized school functions and handled administrative correspondence.

Inventory Assistant at Help Line Pharmacy (2012-01 – 2013-12)

Voluntary Experience

• Maintained daily inventory of products and assisted in sales and stock management.
• Supported staff welfare initiatives and acted as intermediary between guards and management.
• Documented complaints, tracked performance, and improved customer satisfaction.

B.Sc in Business Administration – Institut Superieur De Formation Professionnelle (2011-01 – 2015-12)

Secondary School Certificate – Nigeria Premier College (2001-01 – 2005-12)

Professional Certification in Credit & Financial Management – Nigerian Institute of Credit Administration (NICA) (2025-01 – 2025-12)

Level 2 – Chartered Institute of Stockbroker