Kingsley I
@kingsleyi
Credit risk leader at RedCloud Technologies applying banking-grade governance to distributor exposure, receivables, and collections.
NigeriaWhat I'm looking for
At RedCloud Technologies, I lead regional operating governance across four regions, with accountability for distributor performance, collections, and portfolio quality. I review debtor and distributor portfolios and coordinate commercial risk and compliance oversight across Nigeria.
At Access Bank PLC, I led digital lending risk and portfolio analytics for retail portfolios exceeding NGN 500bn. I developed monitoring and early-warning frameworks, executive risk reporting, and loss forecasting and stress-testing frameworks to support portfolio decisions.
Experience
Work history, roles, and key accomplishments
Head, Retail Growth – Southern Directorate
RedCloud Technologies
Jan 2025 - Present (1 year 9 months)
Leads data-backed reviews of debtor, creditor and suspended-distributor portfolios, coordinating commercial risk and compliance oversight across Nigeria. Manages regional operating governance across four regions with 560+ field personnel.
Unit Head – Digital Lending Risk & Portfolio Analytics
Access Bank Plc
Jun 2022 - Jan 2025 (2 years 7 months)
Led credit monitoring, portfolio analytics and risk governance for digital lending and credit-card portfolios exceeding NGN 500bn. Designed monitoring frameworks covering DPD, roll rates, vintage performance and early-warning reviews, and produced executive risk reporting for Policy MCC and ERMC.
Retail Loan Factory – Team Lead, Data Analytics / Lead Underwriter
Access Bank Plc
Nov 2019 - May 2022 (2 years 6 months)
Managed eight underwriters processing NGN 500m+ monthly and reduced turnaround time from five days to within 48 hours. Reviewed complex consumer and MSME credit proposals and built portfolio analytics and early-warning reports.
Credit Monitoring Officer, Commercial Banking Division
Access Bank Plc
Apr 2019 - Oct 2019 (6 months)
Monitored commercial banking exposures for facility utilisation, repayment performance, collateral adequacy and adherence to approved credit terms. Escalated emerging risk issues and exceptions and worked with relationship and credit teams on covenant compliance and remediation.
Regional Monitoring Officer, Business & Retail Banking
Diamond Bank Plc
Nov 2014 - Mar 2019 (4 years 4 months)
Served as regional representative for credit monitoring, portfolio quality and compliance assurance, conducting facility-utilization reviews, collateral verification and early-warning monitoring. Contributed to a regional recovery campaign that recovered approximately NGN 545m and led monitoring reviews of inventory-finance, oil-and-gas and lease-finance exposures.
Personal Banking Officer, UAC Branch
Diamond Bank Plc
Aug 2012 - Oct 2014 (2 years 2 months)
Managed retail and emerging-affluent relationships, growing deposits, loans, transaction volumes and product penetration while maintaining KYC, service and operational-control standards.
Procurement Manager
Esnic Integrated Services
Mar 2010 - Jul 2012 (2 years 4 months)
Managed procurement operations for the company.
Relationship Manager (NYSC)
Zenith Bank Plc
Jan 2009 - Feb 2010 (1 year 1 month)
Served as a Relationship Manager during the National Youth Service Corps (NYSC) program.
Education
Degrees, certifications, and relevant coursework
University of East London
MBA, Business Administration
MBA program, currently at the Final Applied Business Project stage with expected completion in November 2026.
Harvard Business School Online
Professional Development, Business Analytics
Completed professional development in Business Analytics.
Edureka
Professional Development, Python Programming
Completed professional development in Python Programming Expert.
DeepLearning.AI
Professional Development, Artificial Intelligence
Completed professional development in AI for Everyone.
Chartered Institute of Bankers of Nigeria
Professional Development, Professional Conduct & Ethics
Completed professional development in Professional Conduct & Ethics.
Microsoft
Professional Development, Business Analytics
Completed professional development in Business Analytics with Power BI.
Business Times Streamlined
Professional Development, Bank Treasury, Risk & Capital Management
Completed professional development in Bank Treasury, Risk & Capital Management.
International Institute of Management Professionals
Professional Development, Leadership
Completed professional development in Leadership Essentials.
Frankfurt School of Finance & Management
Professional Development, Credit Portfolio Risk Management
Completed professional development in Enhancing Credit Portfolio Risk Management.
FITC
Professional Development, Credit Risk Analytics
Completed professional development in Credit Risk Analytics & Decisioning in the Age of Digitization.
Unicaf University
Professional Development, Leadership
Completed professional development in Leadership in Organizations.
Institute of Management Specialists
Fellow (FIMS), Management
Fellow of the Institute of Management Specialists (FIMS).
Institute of Credit Administration
Fellow (FICA), Credit Administration
Fellow of the Institute of Credit Administration (FICA).
Chartered Institute of Bankers of Nigeria
Associate (ACIB), Banking
Associate of the Chartered Institute of Bankers of Nigeria (ACIB).
Madonna University
B.Sc., Political Science
Grade: Second Class Upper Division
B.Sc. in Political Science, graduated with Second Class Upper Division.
Frankfurt School of Finance & Management
Certified Expert in NPL Recovery & Management (CENPL), Finance
Certified Expert in NPL Recovery & Management (CENPL).
National Association of Credit Management
Certified International Credit Professional (CICP), Credit Management
Certified International Credit Professional (CICP).
Institute of Risk Management
Professional Development, Risk Management
Completed professional development in Fundamentals of Risk Management.
Tech stack
Software and tools used professionally
Availability
Location
NigeriaAuthorized to work in
Salary expectations
Social media
Job categories
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