Analyst💯 | Building @Lenflex_Ng | Building Waploan | Arsenal |
Lagos, Nigeria
Joined September 2022
- Tweets11.9K
- Following1.2K
- Followers5.6K
- Likes31.5K
Pinned Tweet
I did Retail banking for four years and I can comfortably tell you that it is one of the toughest units in the bank.
Many people think the job is simply about opening personal accounts. It isn't.
You open an account, then you have to make sure it is funded. After that, you need to enroll the customer on the bank's digital channels and ensure they collect and activate their ATM card.
If those things don't happen, the account generates little or no value for the bank.
Now imagine going to a random motor park for an account opening campaign.
The first challenge is convincing people to share their BVN and NIN. Those are probably the hardest pieces of information to get from an average Nigerian.
To make things even harder, many of them already have accounts with other banks and see no reason to open another one.
After you finally convince someone to open an account, the next battle begins, getting them to fund it.
In many cases, Relationship Managers end up funding some of these accounts themselves just to get them active.
Then comes ATM card collection.
You'll be calling, sending text messages, and following up repeatedly just to get customers to come to the branch and pick up their cards.
Retail banking is definitely not for the faint-hearted. – at Lagos, Nigeria
ChatGPT is one of the most effective tools for job hunting. It can save you hours of searching through job boards and Google.
If you're looking for an entry-level position, ChatGPT should be one of your go to place.
Go to ChatGPT and search:
"I'm looking for an entry-level role. List companies that are currently hiring in Lagos State, including their career pages and application deadlines."
You can also search:
"Search through LinkedIn and list companies that have recently announced job openings."
You will get a list of companies with recruitment opportunities, links to their career pages and details on how to apply.
You can take it a step further by asking ChatGPT to shortlist opportunities that match your qualifications, experience and career interests.
After applying, you can visit the company's LinkedIn page, follow the organisation and identify the HR professionals and recruiters working there. Follow them as well.
This is more effective than searching through Google and Job boards.
UNCLE retweeted
Dear Nigerians,
You cannot solar-panel your way to national development.
This is just another version of the “I better pass my neighbour” generator era that ends up lining the pockets of capitalists.
We went from buying fuel to escape darkness to buying panels to escape darkness.
At what point do we stop adapting to dysfunction and start demanding a functioning country?
UNCLE retweeted
NIGERIA HAS A GOVERNMENT SPENDING AND ACCOUNTABILITY PROBLEM.
The Tinubu administration keeps asking Nigerians to make sacrifices.
Petrol subsidy removed. Electricity tariffs increased. Taxes expanded. More pressure on households and businesses.
We are constantly told that government needs more revenue.
But before asking Nigerians for more money, perhaps we should ask what the government is doing with the money it already collects.
Look at some of the figures.
1. ₦37.64 BILLION ON PRESIDENTIAL TRAVEL
According to GovSpend records analysed by Pulse, the Presidency spent approximately ₦37.64bn on presidential trips and related travel expenses between June 2023 and April 2026.
That is travel expenditure alone.
2. ₦26.38 BILLION ON THE PRESIDENTIAL AIR FLEET
The PUNCH reported that the government spent ₦26.38bn operating and maintaining the Presidential Air Fleet between July 2023 and December 2024.
3. ₦11.25 BILLION FOR PRESIDENTIAL VEHICLES
The 2026 budget proposal allocated approximately ₦11.25bn for State House vehicle procurement, more than double the previous year's allocation.
At a time when millions of Nigerians are struggling with transportation costs and basic living expenses.
4. ₦25 BILLION FOR STATE HOUSE OFFICE REPAIRS
The 2025 budget allocated ₦25bn for rehabilitation and repairs of State House office buildings.
The same budget provided ₦4.76bn for State House vehicles.
5. ₦6.36 BILLION FOR RESIDENTIAL RENOVATIONS
The 2025 budget proposal included approximately ₦6.36bn for renovation and rehabilitation of the residential quarters of the President, Vice-President and some aides.
6. ₦5.09 BILLION FOR A PRESIDENTIAL YACHT
The 2023 supplementary budget provided ₦5.09bn for a vessel widely described as a presidential yacht.
After public criticism, the government explained that it was an operational naval boat ordered under the previous administration. The allocation was subsequently removed from the supplementary budget.
7. ₦954 BILLION IN POTENTIAL BUDGET SAVINGS
The Centre for Social Justice identified 254 frivolous, inappropriate and wasteful items in the 2025 budget. It estimated that removing them could save as much as ₦954bn.
These included vehicle purchases, office supplies, utensils and questionable recurring expenditure.
8. ₦124.12 BILLION IN AUDIT FLAGGED CONTRACT IRREGULARITIES
In September 2026, PUNCH reported findings from the Auditor General's 2024 report identifying:
- ₦76.96bn in irregular contract awards.
- ₦19.91bn in contracts awarded in violation of procurement due process.
- ₦27.25bn paid for contracts or jobs not executed or not properly executed.
9. ₦15.07 BILLION IN FRAUDULENTLY DELIVERED PROJECTS
Tracka, BudgIT's citizen monitoring platform, reported that 92 federal projects worth ₦15.07bn were fraudulently delivered in its 2024/2025 project tracking exercise.
It monitored 2,760 projects across 28 states. Hundreds of projects were incomplete, abandoned or had not commenced despite budgetary allocations.
The government says there is not enough money to meet the country's needs.
Yet there is money for expensive vehicles, repeated office renovations, presidential travel, aircraft maintenance and questionable contracts.
A government that cannot demonstrate discipline in spending will never tax its way out of a fiscal problem.
Imagine what ₦954bn in potential savings could do if redirected towards primary healthcare, schools, rural roads, electricity and targeted support for vulnerable households.
Imagine what stronger procurement controls could achieve if billions were no longer exposed to irregular awards and payments for undelivered work.
I HAVEN'T MENTIONED THE "THANK YOU MUMMY" PRADOS.
YOU CANNOT KEEP TELLING THE PEOPLE THERE IS NO MONEY WHILE GOVERNMENT SPENDING CONTINUES TO RAISE QUESTIONS ABOUT PRIORITIES, VALUE FOR MONEY AND ACCOUNTABILITY.
Don't let them whine you that revenue is our problem; corruption is!
Corruption remains a major challenge in Brazil, yet the country boasts a $2.65 trillion GDP economy.
The Brazilian economy grew from roughly $500 billion in the 1990s to $2.65 trillion today because policymakers made the right decisions to foster growth.
Local Government Autonomy: Brazil established local government financial, political, and administrative autonomy through a major constitutional overhaul in 1988. By contrast, Nigeria is still struggling to fully realize local government autonomy.
Constitutional and Tax Reforms: Brazil has executed comprehensive constitutional updates, including a landmark consumption tax reform in 2023. Meanwhile, Nigeria remains constrained by its 1999 Constitution, and political leaders have openly argued against rushing necessary tax overhauls.
Oil and Gas De-monopolization: In 1997, Brazil passed its Petroleum Act, breaking the 44-year-old monopoly of the state-owned oil giant, Petrobras. It took Nigeria over two decades to pass the Petroleum Industry Act (PIA) and several more years to implement it.
Power Sector Decentralization: Brazil decentralized its electricity sector in 1995 through concession laws that dismantled state monopolies, transitioning to mass privatization and free competition between 1996 and 1998. Nigeria has struggled with power privatization for decades, and only recently allowed states to generate electricity independently.
Monetary Policy: Brazil floated its currency in 1999 and adopted an inflation-targeting framework. Conversely, Nigeria maintained an unsustainable currency peg for decades, depleting its foreign reserves to defend the naira.
Fiscal Reforms: Brazil phased out direct petroleum subsidies in 2002 to deepen fiscal discipline, whereas fuel subsidies remain a recurring fiscal burden in Nigeria.
Educational Funding: Brazil codified its student loan program (FIES) into law in 2001 to expand higher education access. Nigeria only recently established the Nigerian Education Loan Fund (NELFUND), which continues to face public skepticism.
Telecom Liberalization: Brazil’s telecom liberalization began in 1995 when Constitutional Amendment No. 8 broke the monopoly of Telebras, triggering an infrastructure boom.
Brazil’s economic expansion was driven by deliberate macroeconomic design, market liberalization, and systemic unbundling not by anti-corruption crusades.
Structural reforms beat corruption. An honest society will inevitably stagnate if its economy is built on unsustainable, protectionist, and archaic ideologies.
UNCLE retweeted
You borrow ₦50,000 because you need to settle an urgent bill.
The lender makes it easy. You repay, then qualify for ₦100,000. Next time, ₦200,000.
Before long, borrowing has become part of your monthly financial routine.
Your salary comes in. You repay one loan. You take another to cover expenses. Then you borrow again because the next repayment is approaching.
You are no longer borrowing to solve a temporary problem. You're borrowing to maintain a lifestyle your income can no longer support.
A Christian girl wants to marry a Christian man who loves God.
Dear Christian men who love God, please understand something.
A Christian girl will always want to marry a Christian man because she wants a responsible man who fears God and will lead her well.
But that doesn't mean she expects you to be boring or to be speaking in tongues every minute.
Being a Christian man doesn't mean you should lose your romantic side.
You can love God, be prayerful, fear God, and still know how to make a woman feel loved, desired, and special.
Fear God, but be romantic. A woman wants a godly man, too, and she wants to enjoy being in love with him.
UNCLE retweeted
I spent 126,500 on fuel from Wednesday to yesterday when we closed. I run a fashion business imagine factory people with heavy machinery. Yet people want you to make affordable products is running the business affordable? Who you vote for matters like mad. APC HAS TO GO!
I hear people say Pres. Tinubu should just make electricity supply stable and Nigerians will vote for him.
Meanwhile, President Tinubu has already told you that once he is re-elected, he will remove the electricity subsidy.
Aso Rock is currently off-grid and relying on solar power.
That means that by next year an ordinary Nigerian will pay more for electricity they don't use.
Businesses will spend more on diesel, petrol and other alternative power sources.
People will become poorer by next year. Nigerians will so suffer.
A win for Pres. Tinubu next year is more hardship for us as a country.
Just a few months before the election, insecurity, banditry and kidnapping will reduce drastically.
Any incident that occurs from now on will likely be followed by swift military intervention, the rescue of victims and the rapid arrest of suspects.
The government will use every successful rescue operation to score cheap political points and showcase its fight against insecurity.
As it is, any form of insecurity must be brought under control now so that it does not hurt Pres. Tinubu's chances of re-election.
Remember the recent kidnapping of corp members in Imo State that made the news this month.
Did you see how swiftly the military responded, rescued the victims and arrested the kidnappers?
That is the game they play with our lives.
For now, everything will appear as though the government is winning the fight against insecurity.
Did you also hear Pres. Tinubu's recent speech in Makkah, where he said he had prayed to God about the insecurity in the country and that God had answered his prayers?
That's it. Everything is beginning to look politically convenient.
Once Pres. Tinubu secures re-election, insecurity will return to unsettle certain regions of the country.
I hear people say Pres. Tinubu should just make electricity supply stable and Nigerians will vote for him.
Meanwhile, President Tinubu has already told you that once he is re-elected, he will remove the electricity subsidy.
Aso Rock is currently off-grid and relying on solar power.
That means that by next year an ordinary Nigerian will pay more for electricity they don't use.
Businesses will spend more on diesel, petrol and other alternative power sources.
People will become poorer by next year. Nigerians will so suffer.
A win for Pres. Tinubu next year is more hardship for us as a country.
UNCLE retweeted
While working on a launch event with a sustainable Asian energy company, I observe the Asian marketing manager was moving through the stair case in foot while most of us Nigerians queued for the lift.
I joined her but struggled to keep up.
I am far far better now.
Last year, I made a decision to stop using the office lift.
My office is on the 1st floor, and the building has 7 floors.
Due to how collaborative my job is, I move around the different floors for various reasons.
The management offices are on the 6th floor, and most of my engagements are with the chiefs, so I find myself climbing the stairs quite often.
When I started, I could barely catch my breath after climbing a few floors. But as time went on, my body adjusted, and it became part of my daily routine.
I now move between floors using the stairs, and it feels completely normal.
I once encouraged a colleague to embrace the same routine. He tried it for a few days but eventually stopped. He couldn't keep up.
Since I made this a routine, I feel very light and energetic throughout the day at the office.
UNCLE retweeted
I used to work at a company where it was 15 floors. My office was on the 12th. I took the stays up and down everyday. Guaranteed my steps for the day.
I encourage everyone to try it.
Last year, I made a decision to stop using the office lift.
My office is on the 1st floor, and the building has 7 floors.
Due to how collaborative my job is, I move around the different floors for various reasons.
The management offices are on the 6th floor, and most of my engagements are with the chiefs, so I find myself climbing the stairs quite often.
When I started, I could barely catch my breath after climbing a few floors. But as time went on, my body adjusted, and it became part of my daily routine.
I now move between floors using the stairs, and it feels completely normal.
I once encouraged a colleague to embrace the same routine. He tried it for a few days but eventually stopped. He couldn't keep up.
Since I made this a routine, I feel very light and energetic throughout the day at the office.
Ladies also reject plus-size men?
This young man is doing very well, but he has not had it easy finding a lady he can commit to for marriage.
The few ladies he has shown interest in have always refused to commit to the relationship because of his body size.
I don't know the kind of ladies he's meeting anyways, but I don't get it.
A man who is financially fine, loves you and can take care of you, shouldn't that be your focus?
What is it with his body size?
Last year, I made a decision to stop using the office lift.
My office is on the 1st floor, and the building has 7 floors.
Due to how collaborative my job is, I move around the different floors for various reasons.
The management offices are on the 6th floor, and most of my engagements are with the chiefs, so I find myself climbing the stairs quite often.
When I started, I could barely catch my breath after climbing a few floors. But as time went on, my body adjusted, and it became part of my daily routine.
I now move between floors using the stairs, and it feels completely normal.
I once encouraged a colleague to embrace the same routine. He tried it for a few days but eventually stopped. He couldn't keep up.
Since I made this a routine, I feel very light and energetic throughout the day at the office.
If you're not married but have plans of getting married, please consider getting a two-bedroom apartment over a single-bedroom when house hunting.
You might get a one-bedroom apartment for ₦1M while someone else gets a two-bedroom apartment for ₦1.5M.
By the time you're ready to move into a two-bedroom apartment for more space, the rent might have gone up to over ₦3M, while the person who got one earlier would still be paying ₦1.5M.
UNCLE retweeted
Your employer may be deducting your pension every month without actually sending the money to your RSA.
Here's how to protect yourself.
Many Nigerian workers see pension deductions on their payslips and assume their retirement savings are growing.
But a deduction on your payslip does not automatically mean the money has reached your Retirement Savings Account (RSA).
Let's understand how it works.
1. What is an RSA?
Your Retirement Savings Account is your personal pension account managed by a licensed Pension Fund Administrator (PFA). Your contributions and investment returns accumulate in it to fund your retirement.
2. How much should go into it?
Under Nigeria's Contributory Pension Scheme, the general minimum contribution rates are:
- You contribute 8% of your monthly pensionable emoluments.
- Your employer contributes 10%.
Your employer may also choose to bear the full contribution under the applicable rules.
For example, if your pensionable emoluments are ₦300,000 monthly, your contribution would generally be ₦24,000, while your employer contributes ₦30,000.
That's ₦54,000 monthly that should go towards your pension, before investment returns and applicable charges.
3. How do you know the money is reaching your RSA?
Don't rely on your payslip alone.
- Contact your PFA and request your RSA statement.
- Check whether contributions are being credited regularly.
- Compare the credited amounts with your payslips and employment records.
- Query any missing or unexplained contributions with your PFA and employer.
Employers are generally required to remit pension contributions within seven working days after paying salaries.
4. What if your employer deducts your pension but fails to remit it?
You can report the employer to the National Pension Commission (PenCom).
Here's how:
1. Write a formal complaint stating your employer's name and address.
2. Identify the months in which contributions were not remitted.
3. Include supporting documents, such as payslips showing deductions and your RSA statement, where available.
4. Send your complaint to [email protected].
PenCom says it can pursue recovery of outstanding contributions and applicable penalties. Its published guidance also provides for confidentiality when employees report defaulting employers.
Your pension is part of your future income. Don't wait until retirement to discover that the contributions you thought were being saved were never credited to your account.
Check your RSA today. Your future self will thank you.
The trick is not to dodge the question. It is to acknowledge it, then ask a question that gives you room to understand the customer's business before discussing the rate.
But if the customer insist to know the interest rate, do not keep dodging the question, disclose the rate and then move the conversation towards value.
If the customer says another lender is offering a lower rate monthly.
Get to know the terms of the offer and other charges involved, then you propose your product terms and value.
Afterwards you let the customer compare the both offers and make a decision.
