Summary
Overview
Work history
Education
Skills
Certification
Timeline
Generic

Wariz Adegbola

Brierley Hill, WESTMIDLANDS,West midland

Summary

Analytical professional with a strong background in Credit management and risk management.

Experienced in Retail Banking, high risk management, credit analysis, commercial and financial analysis.

Overview

11
11
years of professional experience
1
1
Certification

Work history

Project coordinator (Volunteer Role)

Global Social Innovators
Essex
07.2024 - Current
  • Resolving project-related issues promptly, preventing disruptions in workflow.
  • Facilitated client meetings, providing updates on project progress and addressing concerns.
  • Maintaining project schedules by managing deadlines and adjusting workflows to suit.
  • Coordinating cross-functional teams to align project tasks with strategic objectives.

High Risk Debt Negotiation Lead

Eon Energy
Solihull, Birmingham
08.2022 - Current
  • I manage and escalate Industrial and commercial (I&C) high-risk portfolios (over £10,000,000 in value size) to maximize mitigation against financial risk while ensuring no financial detriment to the business.
  • Evaluating, analysing, and reporting financial ratios and data to determine prospective company's financial strengths and positions.
  • Maintaining a high degree of customer relationship by offering first-hand resolutions to queries and their financial difficulties- i.e. debt restructuring plans and debt counselling.
  • Improving escalation processes to reduce customer impacts of non-payment and ensuring adequate protection of the company's interests.
  • Interaction with external stakeholders to resolve issues with debt, cash settlements, billing disputes and data discrepancies
  • Assessing payment history and risk positions of returning customers before renewal of energy contracts.
  • Producing invoices, and statements of accounts, issuing credit notes and cash refunds upon request.
  • Managing relationships across a number of teams and partnerships to coordinate various activities enabling prompt cash collections and cash-flow management.

Financial Services Adviser

HSBC UK
Edinburgh, UK
03.2022 - 07.2022


  • Acting as the first point of contact in business credit/ debit cardholder queries and escalating financial queries to relevant teams.

Credit Support Officer

Advance Credit Union
Erdington, UK
02.2022 - 03.2022


  • Ensured Debtor's ageing list is accurately maintained, monitoring outstanding accounts in accordance with the procedures. Liaising with customers/members of the union in order to ensure that outstanding accounts are cleared within the appropriate time limits

Credit Specialist

Self employed
Lagos, Nigeria
02.2019 - 07.2021
  • Performed credit analysis, evaluating financial status to accurately determine the feasibility of loans to private individuals and Small scale businesses.
  • Prepared invoices and credit notes with Sage 50 and maintained accurate and complete documentation of all Easyconsults financial records.

Credit sales and loan underwriting

Credit Direct Limited, FCMB
Lagos, Nigeria
01.2018 - 02.2019
  • Delivered professional sales presentations, creatively communicating product quality and market comparisons to prospective clients.
  • Achieved and exceeded sales targets in line with client growth across all products and services. ( won a sales promo of selling N 100,000,000 within 6 months time frame).

Credit Controller

Page International Financial Service Limited
Lagos, Nigeria
01.2017 - 12.2017
  • Performed customer credit checks, providing recommendations for changes to credit limits that led to a 37% increase in cash inflow.



Credit Collections Officer

Ren Money Micro Finance Bank
Lagos, Nigeria
01.2014 - 01.2015
  • credit controlling duties.



Education

Masters of Business Management (MBA) - Business Management

Girne American University
Girne, Cyprus
06.2016

Bachelor of Science - Economics

Fountain University
Osun
07.2011

Skills

  • Strong Financial data analysis
  • SQL knowledge for data query, review and query reports
  • Microsoft Excel proficiency(V/X LOOKUP and Pivot tables,)
  • Sage 50 Cloud usage for accounting and financial management
  • Knowledge of Gas and Electricity industry and metering (UK)
  • Risk management
  • Customer relationship management
  • credit risk reporting
  • credit checks and credit ratings


Certification

  • Chartered Institute of Credit Management (CICM).
  • Certificate in International Financial Management Utrecht University, Netherlands, 2020-2021.
  • Marketing Dynamics and Corporate Innovation [Utrcht University, Netherlands] - 08/2020-11/2020.
  • Certificate in Understanding The Numbers That Drives Business, from Arkounting (2018)


Timeline

Project coordinator (Volunteer Role)

Global Social Innovators
07.2024 - Current

High Risk Debt Negotiation Lead

Eon Energy
08.2022 - Current

Financial Services Adviser

HSBC UK
03.2022 - 07.2022

Credit Support Officer

Advance Credit Union
02.2022 - 03.2022

Credit Specialist

Self employed
02.2019 - 07.2021

Credit sales and loan underwriting

Credit Direct Limited, FCMB
01.2018 - 02.2019

Credit Controller

Page International Financial Service Limited
01.2017 - 12.2017

Credit Collections Officer

Ren Money Micro Finance Bank
01.2014 - 01.2015

Masters of Business Management (MBA) - Business Management

Girne American University

Bachelor of Science - Economics

Fountain University

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