JOY AKΡΟNAWOME OKOLEDO
Relationship Manager | Digital Payments & Business Banking Specialist
Lagos, NG.About
Results-driven banking professional with 3 years of experience in business and personal banking, specializing in client relationship management, digital payments, and financial solutions. Proven ability to grow deposit portfolios, drive digital adoption, and ensure regulatory compliance, with a strong desire to leverage expertise within the Payments and Cards team to enhance efficiency and customer satisfaction.
Work
United Bank for Africa
|Relationship Manager - Business Banking
Lagos, Lagos State, Nigeria
→
Summary
Strategically manages relationships with a diverse portfolio of SME and commercial clients, delivering tailored financial solutions and driving digital banking adoption to enhance client efficiency and portfolio value.
Highlights
Orchestrated strategic financial solutions for a portfolio of SME and commercial clients, driving significant growth in deposits, loans, and transaction volumes across assigned accounts.
Championed the adoption of digital banking channels, including POS, online banking, and card payment solutions, enhancing client operational efficiency and engagement.
Streamlined merchant onboarding processes for POS and payment collections, improving client transaction efficiency and facilitating seamless digital payment integration.
Expanded portfolio value through proactive acquisition of new businesses and strategic expansion of existing client accounts.
Ensured rigorous compliance with regulatory (KYC/AML) and internal banking policies through diligent client transaction monitoring and risk mitigation.
Collaborated cross-functionally with payments, operations, and digital banking units to swiftly resolve complex client transaction issues, enhancing service delivery and client satisfaction.
United Bank for Africa
|Relationship Manager - Personal Banking
Lagos, Lagos State, Nigeria
→
Summary
Managed a diverse portfolio of retail customers, providing comprehensive financial advisory and driving the adoption of digital banking products to enhance customer experience.
Highlights
Successfully onboarded a major chain of stores customer, contributing to substantial growth in the retail client base and transaction volumes.
Managed a robust portfolio of retail customers, delivering tailored financial advisory and banking services that fostered client loyalty and increased product penetration.
Spearheaded the promotion of card products, mobile banking, and electronic payment channels, significantly improving customer adoption of digital banking solutions.
Resolved over 95% of card-related issues, including activations and transaction disputes, ensuring high levels of customer satisfaction and operational efficiency.
Identified and capitalized on cross-selling opportunities, increasing customer engagement and driving additional revenue streams across banking services.
Maintained stringent adherence to KYC and AML regulations throughout the account onboarding process, mitigating risk and ensuring compliance.
United Bank for Africa
|Graduate Management Trainee
Lagos, Lagos State, Nigeria
→
Summary
Gained foundational banking operations experience, supporting critical branch functions and contributing to efficient service delivery and customer onboarding initiatives.
Highlights
Managed ATM cash loading and performance monitoring, ensuring optimal availability and functionality of self-service channels.
Executed daily cash teller activities with high accuracy, processing numerous customer transactions efficiently.
Facilitated prompt debit card issuance to customers, enhancing service speed and customer satisfaction.
Participated in market activation activities, contributing to the successful onboarding of new personal banking customers.
Education
University of Benin
→
Bachelor of Science
Accounting
Grade: Second Class Upper Division
Certificates
Software Testing (Manual)
Issued By
The QA School
Diploma in Customer Service Skills
Issued By
ALISON
Soft-Skills Training
Issued By
Jobberman
Skills
Banking & Finance
Business Banking Operations, Retail Banking Operations, Payments & Card Services, Digital Banking Solutions, Transaction Processing, Cross-Selling Banking Products, Regulatory Compliance (KYC/AML), Merchant & POS Support, Financial Accounting Principles, Business Acumen.
Client Management & Sales
Relationship Management, Customer Acquisition, Customer Retention, Stakeholder Communication, Cross-Selling, Financial Advisory, Client Engagement.
Operations & Digital
Digital Banking Channels, POS Systems, Online Banking, Card Payment Solutions, Merchant Onboarding, Transaction Monitoring, ATM Operations, Debit Card Issuance.
Professional & Soft Skills
Numerical & Analytical Skills, Multitasking, Prioritization, Integrity, Self-Motivation, Problem Solving, Critical Thinking, Written Communication, Verbal Communication, Interpersonal Skills, Attention to Detail, Accuracy, Leadership, Teamwork.
Interests
Professional Interests
Digital Payments Innovation, Card Issuing and Acquiring, FinTech and Financial Technology Solutions, Transaction Banking.