Olabiyi Pereira
Credit Risk Portfolio Manager (Retail and Smes) @Sterling Bank
Signup · Get unlimited contacts
WORK HISTORY
Credit Risk Portfolio Manager (Retail and Smes) @Sterling Bank
Conduct monthly research and analysis, providing detailed strategic functional reports to Executive Management, focusing on achieving a 10% year-over-year improvement in service propositions based on actionable insights derived from the analysis.• Monitor market trends and competitor strategies, providing quarterly reports that influence planning and performance management, aiming to align the bank\'s strategy with market shifts to maintain or improve a 15% competitive edge.• Perform risk assessments on all credit requests, processing over 30 monthly evaluations, with a target of less than 5% variance in risk prediction accuracy, to support informed and strategic credit decisions by Executive Management.• Ensure 100% compliance of credit approvals with the bank\'s policy guidelines and operate loan accounts within their approved limits while assisting the credit team in maintaining a less than 2% breach in credit limit monitoring.• Oversee daily cash management and conduct monthly reconciliations, manage the branch’s balance sheet to maintain a profitability margin increase of at least 8% per annum, and control branch expenses within a 5% variance of the allocated budget.• Implement customer service strategies to achieve a 95% customer satisfaction rate, build and maintain relationships with at least 50 critical clients per quarter, and ensure resolution of customer issues within a 48-hour SLA compliance rate of 90%.• Evaluate credit risk for retail and SME portfolios, implementing data-driven analysis and predictive models that achieve a 15% reduction in default rates through targeted risk mitigation strategies.• Implement portfolio optimisation techniques that identify and reallocate resources towards low-risk, high-reward segments within the retail and SME sectors, leading to a 10% improvement in the risk-return profile.
EDUCATION
University of Hertfordshire
Master of Business Administration - MBA, Human Resources Management/Personnel Administration, General
University of Lagos
Master of Science - MS, Labor and Industrial Relations
Olabisi Onabanjo University
Bachelor's degree, Labor and Industrial Relations
ABOUT OLABIYI PEREIRA
Versatile Finance professional with years of experience analysing intricate financial data, steering effective risk management strategies, and fostering robust client relationships. Adept at executing comprehensive financial analysis in compliance with IFRS, GAAP, and IAS, employing advanced financial modelling techniques for precise forecasting. Spearheaded credit risk assessments, mitigating potential financial pitfalls and optimising portfolio performance. Cultivate enduring client partnerships, delivering tailored financial solutions and surpassing stakeholders\' and clients\' expectations. Collaborative leader with a knack for adapting to dynamic market conditions, streamlining operational processes and enhancing efficiency. Elevate financial performance through strategic financial planning, navigating the complexities of financial markets with an unwavering commitment to achieving optimal results. KEY ACHIEVEMENTS • Achieved an impressive monthly net profit increase of showcasing a keen ability to consistently enhance financial performance and sustain profitability. • Spearheaded a remarkable surge in the balance sheet, elevating it from £615,400 to £9.23 million in risk assets and liabilities portfolios within 14 months, demonstrating exceptional talent for strategic asset management. • Engineered a notable reduction in the Non-Performing Loan Ratio (NPL) to 4%, achieving the best-in-region status and underscoring a commitment to robust credit risk management. • Drove a remarkable 120% growth rate in monthly e-channel fees and commissions, demonstrating a proactive approach to embracing digital channels and capitalising on revenue-generating opportunities. • Implemented effective cost-saving measures, resulting in a noteworthy 10% reduction in monthly operating expenditure, showcasing a keen eye for operational efficiency and resource optimisation. • Developed and executed customer service strategies that led to a 95% customer satisfaction rate and a 90% retention rate among high-value clients, reflecting strong relationship management and customer-centric service delivery.
This profile is compiled from publicly available professional sources. Unifers is not affiliated with or endorsed by LinkedIn. Request removal of this profile.