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, Cyprus06.2016
Bachelor of Science - Economics
Fountain University
Osun07.2011
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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