Femi O

Risk, internal audit and Internal control professional

Talent

LagosMember since June 23, 2026

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About

Credit Risk, Underwriting and Fraud Risk Professional with over 10 years of experience across fintech, banking, microfinance and consumer lending. Proven expertise in credit assessment, loan underwriting, fraud prevention, portfolio monitoring, collections oversight and risk management. Experienced in evaluating retail, commercial and consumer lending applications using traditional and alternative credit assessment methodologies.

Strong understanding of Nigerian credit infrastructure including BVN, NIN,credit bureau agencies, with a demonstrated ability to lead underwriting teams, strengthen fraud controls and optimize lending portfolio performance

Experience

PROFESSIONAL EXPERIENCE

SAPPHIRE VIRTUAL NIGERIA LIMITED

Sep 2025 – till date

Post Held: Risk manager

Lead risk management and underwriting oversight for a device financing portfolio, supporting responsible credit growth while maintaining portfolio quality

Conduct risk assessment and policy reviews for mobile phone financing and consumer lending products, ensuring alignment with approved risk appetite

Oversee fraud prevention controls across the device financing life-cycle, including customer on boarding, credit assessment, device delivery verification, and collections monitoring

Supervised and provided technical guidance to credit analysts and risk officers, improving underwriting quality and turnaround time

Assessed borrowers using traditional and alternative credit indicators including transaction behaviour, repayment history, account activity and digital footprint analysis

Performed fraud screening and verification checks to identify suspicious applications and mitigate fraud risks.

Collaborated with collections teams to monitor portfolio performance, improve recovery rates and reduce delinquency.

FAIRMONEY

Feb 2025 – Feb 2026

Post Held: Senior Credit risk analyst

Responsible for due diligence, structuring and evaluating corporate, commercial and retail credit transactions in different sectors of the economy

Conducted borrower verification and creditworthiness assessment using BVN, NIN,various credit bureaus and internal credit scoring tools to support sound lending decisions.

Conducted underwriting reviews for digital consumer lending applications, ensuring compliance with internal risk policies and regulatory requirements.

Collaborated with collections teams to implement recovery initiatives that improved loan recovery rates and reduced delinquency levels

POLARIS BANK LIMITED

Jan 2024 – Feb 2025

Post Held: Senior credit risk analyst

Reviewed and approved loan applications through detailed underwriting assessment of borrower capacity, character, collateral and repayment ability

Prepared and presented credit memorandum to Management Credit Committee and Board Credit Committee, supporting informed lending decisions.

Performed manual credit reviews for retail, commercial and consumer lending applications in line with approved underwriting policies

Reviewed portfolio delinquency trends and recovery performance to support effective collections strategy and portfolio optimization

FLUNA CAPITAL LIMITED

July 2022 – Jan 2024

Post Held: Credit risk manager

Evaluated and structured over US$1.7 million in private credit transactions across technology, agriculture, logistics, manufacturing and mining sectors.

Reduced portfolio risk exposure by 35% through innovative credit structuring, collateral optimization and risk mitigation techniques

Led financial, operational and credit due diligence exercises across multiple African markets.

Developed portfolio monitoring frameworks to track borrower performance and emerging credit risks

Collaborated with technology teams to automate credit assessment processes, significantly improving turnaround time and underwriting efficiency

Conducted periodic analysis of non-performing exposures and recommended recovery actions that improved portfolio quality

UK-DION GROUP LTD

November 2021 – Sept 2022

Post Held: Internal audit and control manager

Designed and implemented a risk-based audit and control framework across multiple subsidiaries, strengthening governance and risk oversight.

Conducted enterprise risk assessments across business units and developed mitigation plans for key strategic and operational risks

Develop and implement fraud prevention procedures and processes to ensure effective transactions monitoring Implementing tools to monitor transactions, identify attempted fraud and reports evaluate policies/procedures and ensure they are in line with regulations

RIGO MICROFINANCE BANK LTD

November 2019 – October 2021

Post Held: Internal audit and risk supervisor

Perform and control the full audit cycle including risk management and control management over operations’ effectiveness, financial reliability and compliance with all applicable laws and regulations.

Led enterprise-wide risk assessments and control reviews, strengthening risk management and governance across all business functions

Strengthened credit risk oversight through periodic review of loan portfolios, Portfolio at Risk (PAR), and recovery processes, enhancing portfolio quality monitoring

Led fraud risk reviews, investigations, and control enhancement initiatives that improved fraud detection capabilities and reduced operational vulnerabilities.

LITERAMED NIGERIA LIMITED

December 2018 – October 2019

Post Held: Senior Internal Auditor

Led operational and financial control reviews that identified key process inefficiencies and strengthened internal controls across procurement, inventory, and revenue management functions.