Joshua Ottah

Results-driven finance and administration professional with over five years of experience supporting organisational growth and operational efficiency. Proven track record of leading teams to successfully deliver programmes and development projects, building strong problem-solving, coordination, and analytical skills. Experienced in financial modelling, budgeting, preparation of journal vouchers, and financial statements, with a strong ability to manage day-to-day finance operations.

Recognised for excellent report preparation, attention to detail, and commitment to accuracy. Seeking to contribute expertise and provide value-adding financial and administrative services in a reputable organisation

Gamma Mobility Limited – Kano, Nigeria.

Relationship Officer Sept. 2025 – Present

•Managed a technology-driven portfolio of leased and rental vehicles on digital mobility platforms, ensuring timely repayment of lease and subscription obligations.

•Engaged customers through multiple channels (in-app messaging, calls, email, and field visits) to encourage on-time repayments, track repayment behavior, and resolve payment concerns.

•Used fintech dashboards and analytics tools to monitor portfolio performance, identify delinquent accounts, and trigger automated repayment reminders and escalation workflows.

•Designed structured repayment plans for riders and drivers experiencing financial difficulties, aligning affordability assessments with risk-management policies.

•Collaborated with recovery, operations, and telematics teams on escalated defaults, including asset tracking, immobilization support, and repossession where necessary.

•Conducted financial health assessments using transaction history, wallet activity, trip earnings, and behavioral trends to identify early warning signals of potential default.

•Recommended data-backed risk-mitigation actions such as repayment restructuring, flexible billing cycles, and recovery interventions to improve portfolio performance.

•Ensured strict compliance with internal credit policies, KYC/AML standards, lease agreements, and sector regulatory requirements.

•Prepared portfolio performance reports and delinquency dashboards for the Senior Relationship Officer and management, highlighting trends, risks, and action plans.

•Supported product and credit teams with customer insights to improve underwriting models, repayment features, and mobility financing solutions.

●Higher National Diploma (HND),

Microbiology,

Federal Polytechnic Nekede Owerri, Imo State (2014).

●National Diploma (ND),

Science Laboratory Technology,

Hussaini Adamu Federal Polytechnic Kazaure, Jigawa State (2011).

●West Africa Senior School Certificate Examination (WASSCE),

Nasara Academy Kabuga, Kano State (2008).