Summon Clarity.
Command Growth.

Aakkio Consulting helps individuals and organizations in financial services summon the insights, systems and strategy they need to grow smarter – not just faster.

Born from Accio — the summoning spell — Aakkio means to call forth potential. We bring that idea to business: summoning knowledge, growth, and transformation through strategy, learning, and community.

Each offering under Aakkio exists to help you summon something essential

Aakkio Academy

Learn what drives modern lending and growth

Ready-made templates and frameworks or lenders.

Ask an expert. Get clarity.

Tailored consulting and training for teams.

Research, tools, and benchmarks.

Community for continuous learning.

The Academy for Modern Lending

The Aakkio Academy offers robust, impactful courses on lending, collections, growth, and financial operations — designed for professionals building the future of finance.

Core Lending Models & Unit Economics

This course breaks lending down to its core, covering key models, revenue drivers, and how to balance growth with profitability to align your lending strategy with your goals.

Course Content.

Core Lending models and unit economics

  • Strategic Direction; Profit vs Growth
  • Fundamentals of consumer, SME and B2B lending
  • Revenue Lever: The Engine Room
  • Knowledge Check: Quiz
  • Case Study: Microfinance Salary Advance

Credit Risk Management 101

Risk is central to lending. This course covers how lenders assess, price, and control credit risk—using credit policies, scoring models, and risk-adjusted pricing to protect against losses while supporting growth.

Course Content.

Credit Risk Management 101

  • Why Credit Risk Management Matters
  • Credit Risk Frameworks
  • Credit Scoring Models
  • Credit Policy Design
  • Risk-Adjusted Pricing
  • The Management Credit Committee (MCC)
  • Knowledge Check: Quiz
  • Case Study: B2C vs B2B Risk Assessment

Product Development & Design for Lenders

This course covers the end-to-end process of building lending products—from strategy and PRDs to testing and iteration—so you can launch compliant, functional, and commercially successful offerings.

Course Content.

Product Development and Design for Lenders

  • Product Strategy Development: Building Blocks
  • End-to-End Product Development Playbook
  • Product Paper (PRD) for Lenders — Your Product’s Blueprint
  • Testing & Product Rollout (Alpha → Beta → Full Launch)
  • Knowledge Check: Quiz
  • Case Study: Testing & Rolling Out a Lending Product

Debt Collection & Recovery Blueprint

This course explores how to design and scale effective collections—covering recovery strategies, performance tracking, and digital tools through practical frameworks and case studies.

Course Content.

Debt Collection and Recovery Blueprint

  • Why Efficient Collections at Scale Matters
  • Your Toolkit: Collection Instruments
  • Building Collections Into the Loan Design
  • Collections and Recovery Strategies
  • End-to-End Collections Playbook
  • Knowledge Check: Quiz
  • Case Study: Restructuring a Collections Strategy for Rising NPLs

GTM & Growth Hacking for Loan Products

This course covers go-to-market strategy, acquisition metrics, and ROI tracking—helping you optimize campaigns and drive sustainable portfolio growth.

Course Content.

GTM & Growth Hacking for Loan Products

  • What GTM means for lenders
  • Funnel Strategy and Visualization (Macro View)
  • GTM/Acquisition Strategy for Lenders
  • Tracking and Attribution
  • GTM Economics – The numbers that matter
  • Channel profitability comparison (Segmented view)
  • Cohort Improvement Analysis (Time Series View)
  • Benchmarks for healthy GTM Economics
  • Knowledge Check: Quiz
  • Case Study: LendaSure’s Growth Paradox

Digital Campaigns & SEO for Loan Products

This course teaches you how to drive growth through digital marketing—covering high-converting campaigns, SEO strategy, paid vs organic channels, and performance tracking for compounding results.

Course Content.

Digital Campaigns and SEO for Loan Products

  • Digital Campaign Strategy & Execution
  • SEO & Content Strategy
  • Technical SEO – The Foundation
  • Content SEO: What to Write and How
  • Link Building and Authority Growth
  • Tracking SEO Performance
  • The SEO Flywheel
  • Knowledge Check: Quiz
  • Case Study: Credia Finance — Paid Ads vs. Organic Momentum

People & Productivity in Lending

This course shows how to build and manage high-performing lending teams—aligning structure, incentives, and culture to drive productivity and results.

Course Content.

People & Productivity in Lending

  • How Lending Organisations Are Structured
  • Hiring the Right People for the Right Seats
  • Managing People and Setting Performance Expectations
  • Motivating, Incentivising, and Retaining Teams
  • Leadership and Culture in Lending Organisations
  • Building Productive Systems and Processes
  • Sales and Field Team Productivity
  • Integrating People, Data, and Performance
  • Knowledge Check: Quiz
  • Case Study: Comparing Field vs. Digital Collections Team Productivity

Financial Operations for Lenders

This course explores how to design and scale effective collections—covering recovery strategies, performance tracking, and digital tools through practical frameworks and case studies.



Course Content.

Financial Operations for Lenders

  • Understanding the Financial Backbone of a Lending Business
  • Treasury Management for Lenders
  • Bookkeeping and Financial Records Management
  • Reconciliation and Financial Integrity
  • Tax Management for Lenders
  • Management & Regulatory Reporting
  • Financial Controls, SOPs, and Governance
  • Technology & Automation in Financial Operations
  • Putting It All Together – Financial Ops Playbook
  • Knowledge Check: Quiz
  • Case Study: Reconciling Loan Repayments via Bank APIs

Legal, Governance & Compliance in Lending

This course covers the legal, regulatory, and governance foundations of lending—from contracts and KYC/AML to data privacy and audit readiness—so your business stays compliant and future-ready.

Course Content.

Legal, Governance & Compliance

  • Legal Foundations of Lending
  • Regulatory Landscape
  • Governance Structures in Lending Institutions
  • Credit Policy & Legal Documentation
  • Data Privacy, Consumer Protection & Digital Lending Ethics
  • Anti-Money Laundering (AML) & Know Your Customer (KYC)
  • Debt Recovery & Legal Enforcement
  • Compliance Framework & Audit Readiness
  • Emerging Legal & Governance Themes
  • Case Studies & Practical Simulations
Tools You Can Apply Today

Access ready-made templates, playbooks, and frameworks that save hours of guesswork — from credit scoring sheets to collection call scripts and financial dashboards.

Credit & Risk

Credit Scoring Model Template

Build a data-driven credit scorecard with customizable variables and weightings. Perfect for small lenders or startups looking to standardize risk assessment.

People & Performance

Portfolio Performance Tracker

A structured evaluation form designed to help managers and team leads assess individual and team performance across results, collaboration, and growth potential.

Credit & Risk

Risk Appetite Framework

Define clear boundaries for lending and investment decisions. Includes editable thresholds and real-world examples from digital lenders.

Operations

Collections Call Script Library

A comprehensive set of ready-to-use call scripts tailored for every stage of the collections process — from gentle reminders to late-stage recovery.

Strategy

Lending Product Design Canvas

A structured one-page framework that helps you design and validate new lending products — from defining your target customer segments and credit logic.

Operations

Growth Strategy Blueprint

A structured evaluation form designed to help managers and team leads assess individual and team performance across results, collaboration, and growth potential.

Let’s build something
powerful together.

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AAKKIO

Let’s build something
powerful together.

Contact

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AAKKIO

Get Clarity, Not Opinions

Ask verified experts in lending, risk, and business operations.
Schedule a quick consultation or submit a specific question — and get answers backed by experience.

Oke Egbi

Strategy, Product, Marketing, Growth, Collections & Recovery
Executive

Author's Bio

Oke is a senior fintech executive and lending expert with over a decade of experience building, scaling, and advising credit-led businesses on financial products across Africa using practical, execution-driven frameworks grounded in real-world lending and embedded finance experience.

Simisola Akintola

Sales & Partnerships,
Strategy

Executive

Author's Bio

Simisola is an accomplished financial services leader with over a decade of experience in sales, business development, and strategic partnerships. She excels at designing processes that drive business growth and expansion and believes that people are at the core of success.

Aroyewun Omoniyi

Credit and Risk Management, Collections & Recovery
Advanced

Author's Bio

Omoniyi is a seasoned Credit and Risk Management professional with extensive expertise in designing and implementing credit policies, portfolio management frameworks, and enterprise risk governance across the financial services sector.

Gursimran Bawa

Marketing, Growth
Executive

Author's Bio

Gursimran is a strategy and growth consultant with over 10 years of experience helping fintech, consumer tech, and digital-first businesses scale sustainably across emerging and developed markets. He specializes in growth strategy, market positioning, and user lifecycle design

Khade Idogho

Strategy, Product, Growth
Executive

Author's Bio

Khade has spent the past decade building and scaling businesses at the intersection of strategy, technology, and consumer finance across Africa. Khade helps teams move from big ideas to real, operating businesses.

Jubril Juma

Strategy, Product
Executive

Author's Bio

Jubril Juma is a senior product leader and strategic UX researcher with over 12 years of experience driving product innovation through data, design, and human-centered methodologies across fintech and consumer services. He focuses on building scalable, user-led experiences for global markets.

When Your Team Needs Transformation, Not Theory

Aakkio works with organizations to modernize credit, improve collections, and embed operational intelligence through custom consulting and team learning.

Strategic advisory (credit, product, data, technology)

Our advisory services combine strategic insight with technical depth to help you design scalable lending model and refine product strategy.

Corporate Learning Programs

Each program is built around your organization’s goals, bridging strategy, operations, and execution to turn learning into measurable business transformation.

Custom Playbook Creation

Transform the way your organization executes. We distill proven strategies, data insights, and operational expertise into bespoke playbooks.

Team Capability Audits

Our capability audits benchmark skills, uncover inefficiencies, and reveal strategic opportunities to strengthen your organization’s overall effectiveness.

Learn Together. Grow Faster.

 Aakkio Circle is a private community of professionals shaping the next era of lending and growth. Share wins, swap ideas, and stay inspired.