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Victoria Fadipe

@victoriafadipe

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I lead credit risk, portfolio strategy, and recovery operations that improve lending performance.

Nigeria

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What I'm looking for

I'm looking to lead credit risk, portfolio strategy, and collections initiatives where I can improve portfolio quality, strengthen governance, scale recovery operations, and partner with Product, Finance, and leadership on data-led growth.

At Frontier Vista, I architect credit and recovery operating frameworks for an early-stage debt recovery venture, from institutional client onboarding and portfolio transfers to collection KPIs, dashboards, and regulatory governance.

Previously at MAX, I managed portfolio risk and multi-portfolio recovery for an asset-financing fintech, helping deliver ₦1.6bn in collections and recovery efficiency above 95%. I partnered with Product, Engineering, Finance, and funding partners to improve verification workflows, reduce turnaround time by 50%, and strengthen portfolio controls.

My experience also includes leading consumer-credit collections at CredPal, managing high-value non-performing accounts, restructuring repayment plans, and improving reporting and operational controls. I bring a practical focus on portfolio quality, disciplined recovery execution, and data-led risk decisions.

Experience

Work history, roles, and key accomplishments

Current

Manager, Client Onboarding & Credit Risk and Collections

Current

Frontier Vista Limited

Apr 2025 - Present (1 year 5 months)

Architected end-to-end credit and recovery operational frameworks and collection strategies for an early-stage debt recovery venture. Spearheaded the complete onboarding lifecycle for institutional clients, including SLA negotiations, contracting, portfolio transfer, and go-live execution.

Credit Risk Management Collections Strategy Portfolio Segmentation SL A Negotiation Client Onboarding Regulatory Compliance CBN FCCPC NDPA Team Leadership Performance Metrics Dashboarding

Portfolio Risk Manager

MAX - Metro Africa Xpress

Jan 2023 - Feb 2025 (2 years 1 month)

Oversaw portfolio risk strategy and multi-portfolio recovery management across a rapidly expanding fintech asset-financing business, controlling delinquency and portfolio exposure. Served as the primary Credit Risk liaison for key funding partners, presenting monthly performance reviews and strategic risk reconciliations.

Portfolio Risk Management Collections Strategy Recovery Management Delinquency Management Risk Reporting Partnership Management Variance Analysis Performance Dashboards Looker SQL Power BI Product Collaboration Process Improvement

Risk & Collections Manager

Credpal

Aug 2019 - Dec 2022 (3 years 4 months)

Directed end-to-end recovery operations across delinquent consumer credit portfolios, leading team execution, target setting, and performance management. Managed high-value non-performing accounts, negotiating complex debt restructures and repayment plans to maximize asset recovery.

Collections Strategy Recovery Management Credit Risk Delinquency Analysis Debt Restructuring Team Leadership Performance Management Data Analysis Reporting Process Improvement

Senior Collection Specialist

Newedge Financials

Jan 2019 - Jul 2019 (6 months)

Managed recovery of delinquent and non-performing accounts through structured borrower engagement, repayment planning, and follow-up. Assessed borrower repayment capacity and default drivers to determine appropriate recovery actions and escalation paths.

Collections Recovery Management Borrower Engagement Repayment Planning Risk Assessment Reporting Process Improvement

Audit Intern

Oluyemisi Jaji & Co

Jul 2017 - Sep 2017 (2 months)

Supported audit procedures, financial record reviews, documentation, and reconciliation activities. Assisted with verification of financial information and preparation of audit working papers and reports.

Audit Financial Document Review Documentation Reconciliations Financial Verification Reporting