MICHAEL COLLINS

Page Financials specializes in providing quick loans, investment opportunities, and online payment solutions tailored to the diverse needs of its clientele. As the Divisional Head, Public Sector. My responsible is to lead the expansion of the company’s loan portfolio within the public sector by developing strategic partnerships, acquiring new clients, and driving revenue growth. This leadership role involves managing relationships with government institutions, ministries, agencies, and parastatals to offer tailored financial solutions. Key Responsibilities - Lead, mentor, and manage the Public Sector Business team, ensuring high performance and goal achievement. - Set clear sales targets and performance metrics for the team while providing regular training and development. - Foster a high-performance culture focused on innovation, customer satisfaction, and operational excellence. - Develop and execute strategies to expand public sector lending, increasing loan penetration across government ministries, departments, and agencies (MDAs). - Identify and pursue high-value business opportunities within federal, state, and local government institutions. - Serve as the primary liaison between Page Financials and public sector institutions to drive collaboration and financial inclusion. - Represent the company in negotiations, regulatory meetings, and strategic discussions with government bodies. - Work with legal and compliance teams to structure loan agreements that align with both government policies and Page Financials' objectives. Achievements * Recover Historical Overdue Loans - Opened Nigeria correctional mandate, Tertiary Mandate and NSCDC mandate respectively * Took repayment from 15% to above 100% collections. * Reduced NPL from double digit to single digit in a space of 1 year * Revamped the entire process for public sector business * Developed a more robust Product strategy

LAPO Microfinance Bank (LAPO MFB) is one of Nigeria’s leading microfinance institutions, dedicated to providing financial services to low-income individuals, micro-businesses, and SMEs. As the Group Head, Public Sector Business. I was responsible for driving the bank’s growth within the public sector by developing strategic relationships, and expanding the institution’s loan portfolio for public sector employees. This role involves overseeing business development initiatives, and ensuring sustainable revenue generation while maintaining compliance with regulatory requirements. Key Responsibilities - Identify and pursue business opportunities with government ministries, departments, agencies (MDAs), and parastatals. - Develop tailored financial products that meet the needs of public sector employees and agencies. - Build and maintain high-level relationships with government officials, payroll administrators, and decision-makers. - Negotiate and structure loan agreements, ensuring alignment with LAPO’s financial objectives. - Ensure timely loan repayments by implementing efficient payroll deduction mechanisms. - Monitor loan performance and proactively address default risks through innovative recovery strategies. - Ensure all public sector loan transactions comply with regulatory and institutional guidelines. Achievements * Opened over 13 states Mandates, 13 Public Sector Branches, and 10 loan products, e.g Federal MDA, Customs, Correctional, FCT, Immigration, Police, NSCDC, and Tertiary Institutions. * First Segment to disburse 2B in a single month. * Took disbursement from 100M monthly disbursement to 1.5 to 2B Monthly disbursement with collection achievement of 98% Awards Commendation cash Award for being the most profitable segment for 2022 and 2023 Company Award for the overall best performing segment for 3 years in a roll Company Award for most profitable segment Overall, took the portfolio from 800M to 13B in a space of 5 years.

Zedvance Finance Limited is a prominent non-bank retail lender in Nigeria, established in 2014, dedicated to providing innovative financial solutions to individuals and businesses. As a Business Development Manager – Public Sector Loans, I was responsible for identifying, developing, and managing business opportunities within the public sector. This role focuses on acquiring and maintaining relationships with government agencies, ministries, and parastatals to drive loan sales and revenue growth. The manager will strategize, negotiate, and execute loan agreements while ensuring compliance with regulatory standards. Key Responsibilities - Build and maintain strong relationships with key decision-makers in government bodies. - Work closely with treasury departments, payroll administrators, and relevant agencies to facilitate loan processing. - Identify and pursue business opportunities for public sector loans. - Develop and implement strategies to acquire and expand relationships with government agencies and institutions. - Meet sales targets by promoting loan products tailored to public sector employees. - Collaborate with risk and credit teams to assess loan eligibility and ensure compliance with credit policies. - Monitor loan performance, repayments, and default risks while implementing mitigation strategies. - Ensure all loan agreements and processes comply with government regulations and banking laws. - Maintain proper documentation for all loan transactions and approvals.

First City Monument Bank (FCMB) Limited is a leading financial services provider in Nigeria, offering retail, commercial, corporate, and investment banking solutions. As a Team Lead, Business Banking Group at First City Monument Bank (FCMB), I was responsible for driving the growth of the business banking segment by acquiring, managing, and expanding relationships with Small and Medium Enterprises (SMEs) and mid-sized businesses. The role involves developing sales strategies, ensuring credit quality, and enhancing customer experience while achieving revenue targets. Key Responsibilities - Business Development & Revenue Growth - Develop and implement strategies to grow the business banking portfolio. - Identify and acquire new business clients while deepening relationships with existing customers. - Promote FCMB’s business banking products, including loans, trade finance, deposits, and transactional banking services. - Ensure achievement of set financial targets for the team. - Build strong relationships with business customers to understand their financial needs. - Act as the primary point of contact for high-value business clients. - Ensure excellent customer service and quick resolution of client issues. - Assess and recommend credit facilities for business customers based on financial analysis and risk assessment. - Work closely with the credit team to ensure loan approvals align with the bank’s risk appetite. - Monitor loan portfolio performance and ensure minimal default rates. - Ensure compliance with regulatory guidelines and internal credit policies. - Set clear targets and monitor performance to ensure the team meets business objectives. - Provide training and coaching to improve the team’s business development and relationship management skills. - Foster a high-performance sales culture within the team.

First Bank of Nigeria Limited is one of Nigeria’s largest and oldest financial institutions, a subsidiary of FBN Holdings Plc. The bank provides a wide range of financial services, including retail banking, corporate banking, SME financing, and digital banking solutions. As a Customer Service Manager, My responsibility was to overseeing first-level customer support, managing customer complaints, and ensuring seamless service delivery related to account opening and instant debit card issuance. This role involves supervising the customer service team, enhancing customer experience, and ensuring compliance with banking regulations. Key Responsibilities - Serve as the primary point of contact for handling and resolving customer inquiries and complaints. - Ensure prompt response to customer issues via phone, email, or in-person interactions. - Maintain a high level of customer satisfaction by providing effective solutions and escalating complex issues when necessary. - Monitor customer service interactions to ensure quality and compliance with service standards. - Oversee the issuance of instant debit cards, ensuring timely processing and activation. - Ensure compliance with regulatory and security standards in card issuance. - Maintain inventory of debit cards and ensure proper documentation of issued cards. - Address customer issues related to lost, stolen, or malfunctioning debit cards.

Credit Direct Limited is a non-bank financial institution headquartered in Lagos, Nigeria. Established in 2007, it operates as the fintech arm of the FCMB Group, providing lending and fund management services to individuals and businesses. As a Sales Manager at CREDIT DIRECT LIMITED, I was responsible for driving loan and deposit growth, acquiring new customers, and expanding market reach. This role involved developing sales strategies, and ensuring customer satisfaction while maintaining compliance with regulatory requirements. Key Responsibilities - Develop and implement effective sales strategies to drive loan disbursements, and customer acquisition. - Identify new business opportunities, market segments, and partnerships to expand the bank’s customer base. - Monitor sales performance through regular reporting and implement corrective actions when needed. - Build and maintain strong relationships with customers, businesses, and key stakeholders. - Ensure excellent customer service by addressing client inquiries, resolving complaints, and enhancing customer experience. - Conduct market research to understand customer needs and develop tailored financial solutions. - Drive loan product sales while ensuring proper risk assessment and creditworthiness evaluation. - Leverage digital platforms and partnerships to enhance brand visibility. - Use data-driven approaches to refine sales strategies and optimize results.