Unwanaobong David-Finance, Banking & Credit Risk Subject-Matter Expert
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Experience
Vice President, Credit Risk Management – Europe, Middle East & Africa (EMEA)
JPMorgan Chase Bank
- Managed credit risk oversight for a portfolio exceeding €15 billion across EMEA, assessing exposures, transaction structures and portfolio risk.
- Reviewed and supported complex credit decisions, including a single-ticket transaction exceeding €750 million.
- Developed and implemented risk management and mitigation actions to strengthen portfolio quality and credit controls.
- Streamlined credit approval processes and supported consistent, risk-based decision-making across stakeholders.
- Supervised risk analysis support based in India and coordinated cross-functional review of credit matters.
- Supported successful regulatory and audit outcomes, including engagement relating to European Central Bank review.
Country Head of Credit Risk Management
NCBA Tanzania Limited
- Reviewed credit proposals and approved transactions within delegated authority; structured and recommended larger exposures to the Board Credit Committee.
- Led formulation and periodic review of credit policy, credit products, underwriting controls and lending standards.
- Oversaw identification and management of sub-standard and non-performing assets and recommended remedial actions to EXCO and the Board.
- Strengthened portfolio quality and reduced non-performing loans to below 5%.
Acting Group Head of Credit Risk Management – Secondment
Commercial Bank of Africa (Kenya) Limited
- Supported group credit risk management architecture and credit approvals during a four-month secondment.
- Reviewed and recommended credit proposals to the Board Credit Committee and presented credit packs for decision.
- Performed portfolio reviews and supported determination of industry concentration ceilings.
Country Head of Credit Risk Management
Commercial Bank of Africa (Tanzania) Limited
- Led the credit risk management function, strengthening underwriting, risk assessment and portfolio monitoring.
- Proactively identified emerging risks and implemented remedial strategies, reducing non-performing loans to below 5%.
- Partnered with business teams to structure complex corporate and commercial lending transactions within acceptable risk parameters.
Group Credit Policy / Credit Product Development
United Bank for Africa Plc
Review of the banks credit risk policy, ensuring alignment with regulatory requirement. Developed five new credit product programs to support 1LOD in development of market penetration strategy, reviewed and supported the renewal of existing credit product programs and providing update on its performance to executive management.
Country Chief Credit Officer
United Bank for Africa (Tanzania) Ltd
Team Lead – Credit Office, West / Central Africa
United Bank for Africa Plc
Team Member – Credit Office / Credit Analysis
United Bank for Africa Plc
Accounts Receivable / Payable Supervisor
United African Trading Company of Nigeria (UACN Plc)
Industry experience
See where this freelancer has spent most of their professional time.
Experienced in Banking and Finance.
Business area experience
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Experienced in Finance, Strategy, Accounting, Audit, and Product Development.
Summary
Senior finance and credit risk professional with 19 years of experience across banking, corporate and commercial lending, UHNW credit, financial and credit analysis, portfolio risk governance, credit policy and regulatory compliance. Extensive experience evaluating complex financial information, assessing creditworthiness, structuring transactions, reviewing risk drivers and making evidence-based credit decisions across European and African banking markets. Experienced in translating complex financial and risk concepts into clear recommendations for executive committees, boards, business stakeholders and regulators. Background includes private market risk, investment risk assessment, counterparty risk, distressed loan management and financial markets, complemented by training in AI & Machine Learning in FinTech.
Skills
Credit Analysis & Creditworthiness Assessment
Corporate / Commercial Banking
Credit & Counterparty Risk
Portfolio Risk Oversight
Risk Governance & Credit Policy
Regulatory Compliance & Engagement
Risk Framework Development
Financial & Risk Analysis
Financial Statement & Cash-Flow Assessment
Loan Structuring, Origination & Approval
Private Market & Investment Risk Assessment
Distressed / Non-Performing Loan Management
Financial Markets & Derivatives
Executive, Board & Stakeholder Communication
Microsoft Excel
Powerpoint
Word
Outlook
Sage Pastel
Sunsystems
Languages
Education
University of Dar Es Salaam
MBA · Business Administration · Tanzania, United Republic of
University of Calabar
B.Sc. Accounting · Accounting · Nigeria
Certifications & licenses
AI & Machine Learning in FinTech
DLH, Luxembourg
Basic Credit Course
H. Pierson, Nigeria
Enhanced ETFs and Innovation
EFPA / Deutsche Bank Luxembourg
Financial Markets & Derivatives
Standard Chartered
Intermediate Credit Analysis Training
IBFC Agusto
Moody's Credit Analyst Training
Moody's
Multinational Client Credit Process
H. Pierson, Nigeria
Statistics
Experience
Global experience
Expertise
Qualifications
Profile
Frequently asked questions
Have questions? Find more information here.
Unwanaobong speaks the following languages: English (Advanced), Yoruba (Advanced).
Unwanaobong has at least 22 years of experience. During this time, Unwanaobong has worked in at least 8 different roles and for 7 different companies. The average length of individual experience is 2 years and 5 months. Note that Unwanaobong may not have shared all experience and actually has more experience.
Based on recent experience, Unwanaobong would be well-suited for roles such as: Vice President, Credit Risk Management – Europe, Middle East & Africa (EMEA), Country Head of Credit Risk Management, Acting Group Head of Credit Risk Management – Secondment.
Unwanaobong's most recent position is Vice President, Credit Risk Management – Europe, Middle East & Africa (EMEA) at JPMorgan Chase Bank.
In recent years, Unwanaobong has worked for JPMorgan Chase Bank and NCBA Tanzania Limited.
Unwanaobong is most experienced in industries like Banking and Finance.
Unwanaobong is most experienced in business areas like Finance, Strategy, and Accounting. Unwanaobong also has some experience in Audit and Product Development.
Unwanaobong has recently worked in industries like Banking and Finance.
Unwanaobong has recently worked in business areas like Finance, Audit, and Strategy.
Unwanaobong holds a Master in Business Administration from University of Dar Es Salaam and a Bachelor in Accounting from University of Calabar.
Unwanaobong has 7 certificates. Among them, these include: AI & Machine Learning in FinTech, Basic Credit Course, and Enhanced ETFs and Innovation.
Unwanaobong is immediately available part-time for suitable projects.
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