Open to opportunities

Gabriel Richard

@gabrielrichard

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Results-driven Credit Risk Analyst with expertise in portfolio management.

Nigeria

Message

What I'm looking for

I am looking for a role that challenges me and offers opportunities for growth in a collaborative environment.

I am a results-driven Accounts Receivable Collection Specialist, Portfolio and Credit Risk Analyst/Manager with over 6 years of experience in loan recovery, credit risk management, and portfolio optimization. I have successfully managed loan portfolios exceeding ₦120B, achieving a 20% increase in recovery rates and an 8% boost in portfolio balance through proactive collections and effective risk strategies.

My expertise lies in delinquency management, dispute resolution, and client engagement, ensuring timely payments and minimising overdue debt. I serve as a key liaison between Finance and Operations, enhancing collection efficiency and overall financial performance. I am passionate about leveraging data-driven insights to drive portfolio growth and improve operational efficiency.

Experience

Work history, roles, and key accomplishments

Current

Trade Finance Consultant

Current

EuroEximBank

Jan 2024 - Present (1 year 5 months)

Facilitated issuance of over $30,000 in Trade Finance Instruments annually, strengthening client relationships and increasing repeat business by 30%. Advised clients on risk mitigation strategies to enhance operational efficiency and compliance.

Client Relationship Management Risk Mitigation Regulatory Compliance

Current

Credit Risk Analyst

Current

LAPOMFB

Jun 2024 - Present (11 months)

Analyzed financial statements and conducted sector-specific risk analysis to evaluate creditworthiness, leading to better credit decisions. Developed strategies for loan recovery and reduced non-performing loans by 10%.

Financial Analysis Risk Management Loan Recovery Strategies Data Analysis

Assistant Team Lead Collections

LAPOMFB

Oct 2021 - Oct 2023 (2 years)

Led a team of 12 Relationship Managers, achieving 25% portfolio growth in one year. Managed SME loans and cut account receivables by 20% through strong credit policies and effective team management.

Team Leadership Portfolio Management Accounts Receivable Cross Selling

Relationship Manager

LAPOMFB

Jun 2019 - Mar 2020 (9 months)

Built and nurtured relationships to drive business growth, promoted bank products, and conducted financial appraisals to assess client creditworthiness.

Relationship Management Business Growth

Senior Relationship and Collections Manager

LAPOMFB

Mar 2020 - Oct 2021 (1 year 7 months)

Generated leads and converted them into customers while managing overdue payments and negotiating payment plans. Enforced credit policies and produced management reports to track KPIs.

Lead Generation Customer Relationship Management Credit Policy Enforcement KPI Tracking