· Lead the Risk Analysts team in an overview of Credit performance whereby key risk indicators are highlighted and damage control measures are recommended.

· Developed external relationships with appropriate contacts, e.g. auditors, solicitors, bankers and statutory organisations such as the Inland Revenue through physical visits.

· Managed Income statements, cash flow, expenditure and budgets developing/Analysis and effectively managed Risk/Financial assessment systems/models.

· Located or proposed potential business deals by contacting potential partners; discovering and exploring opportunities.

· Undertook strategic analysis and assisted with strategic/financial planning, undertook research into pricing, competitors and factors affecting performance.

· Reviewed and did analysis for cost reduction opportunities and managed North region’s financial accounting, monitoring and reporting system.

· Debriefed country risk management chain on results of various activities encompassing underwriting, fraud management and overall risk management action plans.

· Designed and implemented control measures, credit policies and monitoring plans for credit risk management, operational risk management and regulatory requirements.

· Recruited, oriented, trained, counselled and disciplined employees, created a culture of accountability in the unit. Conducted productivity analysis and performance appraisals of credit analysts.

· Ensured efficient financial monitoring and reporting (including monitoring expenses and revenues, reviewing and upgrading existing procedures, ensuring production of appropriate financial reports)

· Made regular monthly entries to support production of management accounts – accruals, depreciation, etc and assisted in the preparation of the annual budget and revisions.

· Supported project managers in the preparation of project budgets and project reports

· Managed sales team, developed business plan covering sales, revenue, and expense controls, meeting agreed targets, and promoted organisation’s presence throughout North Region.

· Accomplished marketing and sales human resource objectives by recruiting, selecting, orienting, training, assigning, coaching, counseling, and disciplining employees; planned, monitored, appraised, and reviewed job contributions; planned compensation actions and enforced policies and procedures.

· Screened potential business deals by analyzing market strategies, deal requirements, potential, and financials; evaluating options; resolving internal priorities; recommending equity investments.

· Formulated, directed and coordinated marketing activities and policies to promote products and services, working with advertising and promotion managers.

· Managed sales administration function, operational performance reporting, streamlining processes and systems wherever possible, advised senior management on maximising business relationships and created an environment where customer service can flourish.

· Monitored performance of the sales team by establishing a system of reports and communications involving sales reports, cyclical sales meetings, sales newsletters and electronic bulletins.

· Provided an ongoing training for the company’s representatives so that they possess sufficient knowledge to present information on the company’s products in an accurate and balanced manner.

·Identified marketing opportunities by identifying consumer requirements, competitor's share, and competitor's strengths and weaknesses; forecasted projected business.

· Negotiated contracts with vendors and distributors to manage product distribution, establishing distribution networks and strategies.

· Developed negotiating strategies and positions by studying integration of new venture with company strategies and operations; examining risks and potentials; estimating partners' needs and goals.

· Assisted brand team in developing Market Plans, Brand Strategies, Communication Development & Deployment, Brand Portfolio Analysis, Target Audience Profiling, Consumer Insight Generation etc.

· Built market position by locating, developing, defining, negotiating, and closing business relationships, a challenging task of identifying strategic business opportunities for an organization in order to generate revenue and meet assigned targets.

· Developed relationship plans and client contact strategy to meet the bank’s business objectives and kept abreast of changing trends in the market and explored business expansion opportunities.

· Identified ideas by researching industry and related events, publications, and announcements to identify new business opportunities.

· Evaluated potential business deals/relationship by analyzing market strategies, deals requirements/options/financials, resolving internal barriers, and recommending equity investments.

· Conducted or commissioned market research and analysis to understand implications and identified new business development opportunities in line with bank's strategy.