GRGabriel Richard
@gabrielrichard
Results-driven Credit Risk Analyst with expertise in portfolio management.
NigeriaWhat I'm looking for
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
Trade Finance Consultant
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.
Credit Risk Analyst
LAPOMFB
Jun 2024 - Present (1 year)
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%.
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.
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.
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.
Education
Degrees, certifications, and relevant coursework
Gabriel hasn't added their education
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Tech stack
Software and tools used professionally
Availability
Location
NigeriaAuthorized to work in
Social media
Skills
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