Head of Credit

• Aug 2022 - Present

Fintech Head of credit Credit analysis Compliance Team leadership Credit scoring Strategies Fintech Head of credit Credit analysis Compliance Team leadership Credit scoring Strategies

Credit Administrator

• 2021 - Aug 2022

Quality controll lead

• 2020 - 2021

Business Credit Analyst

• Feb 2019 - 2021

- Review company policies and business process. - Analyze data and information to identify business opportunities. - Work closely with executive management to achieve outcomes based on company goals. - Recommend and update policies and procedures to improve performance. - Enhance workflow and cross-departmental engagements. - Collaborate with the sales and engineering team to improve cost-effectiveness across all platforms. - Create monthly reports to management on key findings and assessments. - Keep updated on industry and market trends Show less

Credit Risk Analyst

• Jul 2014 - Jul 2018

- Conduct thorough analysis of financial statements and assessment of credit requests, including new and changed requests, refinancing and annual due diligence for micro, SME and Agribusiness customers.- Provide recommendations tied to analysis and assessment of credit risk- Present analysis, findings and recommendations to managers, especially findings that involve a borrower’s ability to repay- Evaluation of risk associated with individual transaction, Products and the borrowers. - Ensure compliance and put in place operational risk controls in accordance with CBK or regulatory standards.- Ensure credit protection is fully understood and utilized.- Explore if there are any further possibilities of exploiting credit protection. Show less

Credit Administrator

• Jan 2014 - Jul 2014

- Coordinating and overseeing the lending cycle ensuring compliance to the Bank Policies and procedure at Branch level.- Ensure all necessary support documentation are provided in customers file and that they are correctly executed.- Review approved terms and conditions to ensure accuracy and policy compliance- Review all loan and related security documents, ensure that they are properly perfected and maintain an updated status report.- Coordinating and reconciliations of loan accounts.- Manage relations with credit reporting agencies, collection agencies all third party service provider.- Team management of credit officers- Chairing branch credit committees. Show less

Credit Officer

• 2010 - 2014

- Preparing proposal for micro, Agribusiness and SME customers for financing.- Working with other stakeholders like NGOS and Government ministries to conduct customers financial literacy training and credit management.- Completing loan applications, including credit analyses and summaries of loan requests, and submitting to loan committees for approval. - Mitigating risks through detailed credit analysis. - Loan follow up and recoveries.- Discuss significant credit risks if any with top management.- Conduct stress and scenario testing and analysis of portfolio at all levels.- Ensure no relevant scenarios are missed in testing Show less