Data Analyst Risk

RODRIGUE TEKAM WABO

Phone: *** 343-***-**** Email: **********@****.*** http://linkedin.com/in/rodriguetekamwabo BILINGUAL SENIOR CREDIT RISK ANALYST (ENGLISH AND FRENCH) High-performing bilingual professional with a background in analyzing financial data for individuals, small and medium businesses, and real estate finance customers. Technical proficiency in Credit Risk Analysis, combining exceptional talents in creating effective credit presentations and in-depth skills in data analysis and visualization tools to facilitate and support lending decisions and processes for the company. On the way to completing the Financial Risk Management (FRM) certificate. SUMMARY/ HIGHLIGHTS OF QUALIFICATIONS

• 10+ years in financial services with a high

concentration in credit risk management experience and a proven track record of developing effective

credit strategies

• Financial services, financial analysis, financial reporting

• Risk Credit Management Support

• Operational Risk Management Support

• Data analysis with ETL skills (Pandas & Python, SQL, advanced Excel, Power BI, Tableau)

• Collect collaterals required as a guarantee for the loans granted

• Perform effective KYC for both commercial and

corporate customers

• highly focused and driven to achieve business

objectives

• Strong written and verbal communication skills,

French and English

• Strong collaboration, influence, team spirit, strong management, and negotiation skills

• In-depth data driven decision making, Problem

Solving, and strong analytical skills

• Self-starter, Self-organized skills, ability to prioritize tasks, a strong sense of ethical and sound judgment TECHNICAL SKILLS

• Assess all lending type applications based on different criteria/ratios including LTV, TDSR, credit risk rating, net worth, yield ratio

• Perform due diligence and compliance with regulations and gather the required documentation

• Extract, analyze and compile financial data from various sources and systems

• Sound Risk Management Principles; optimizing credit decisions across the customer lifecycle

• Strong experience in leasing, real estate finance, and accounting

• Strong ability to adapt, gain hands-on quickly, and work in a fast-paced, innovative, and entrepreneurial environment

PROFESSIONAL EXPERIENCE

Bilingual Senior Credit Risk Analyst October 2016 - Present SCE (www.sce-cameroun.com), Cameroon

• Used Leveraging industry experience with advanced analytics, to make an immediate impact via strategic and tactical credit risk levers, decreasing the default by 10%.

• Exercised judgment to identify, diagnosed, and solved problems with given rules.

• Used a collaborative approach and with the ability to engage purposely with stakeholders making more effective risk analysis on time by reducing the lasted of the process by 30%.

• Performed the analysis of more than 50 personal credit files per month commensurate with the subdelegating power based on the credit RISK policy.

• Analyze risk profiles across the credit lifecycle and use advanced analytics and machine learning to best identify risks/opportunities

• Collaborate with key stakeholders across the organization to integrate core risk practices leading to a result in a compliance rate with the credit risk management policy of 100%.

• Supervised multiple responsibilities at the same time by managing 2 other segments (credit operations, credit administration, and post-control office with more than 5 people). Rodrigue TEKAM WABO **********@****.***/002*********** Page 2 of 2 Corporate Credit Manager August 2014 - September 2016 SCE (www.sce-cameroun.com), Cameroon

• Minimized the company’s risk exposure by adhering to internal credit policies and procedures concerning lending decisions, decreasing payment default by 10% in 2016.

• Lead development and implementation of key credit risk strategies to effectively manage the lending portfolio in line with business objectives, and credit risk levers across the entire lifecycle of acquisition, account management, and collections. these strategies improved the company's lending portfolio return by 25% each year.

• Supported the execution of strategic initiatives in collaboration with internal and external stakeholders, improving operational efficiencies by over 80%.

• Set up a business center at the end of 2015, for the business credit segment (SME / SMI). Results obtained: starting from scratch, this segment now has a portfolio of more than 500 customers with an outstanding amount representing more than 50% of the outstanding loans of all the company's customers with an unpaid debt ratio of less than 5%.

• Developed analytics capabilities to actively monitor performance and identify trends to enable strategic business decisions, improving credit decision time by 30%.

Operating Manager January 2013 – July 2014

SCE (www.sce-cameroun.com), Cameroon

• Organized, planned, monitored, and evaluated the activity of the network of 12 national agencies with 12 managers and over 50 employees.

• Coached and collaborated with a team of more than 50 persons in the development of the commercial network in 12 agencies within the country.

• Increased sales by 25% by establishing goals and overseeing performance using KPI with relevant dashboard and mentoring the staff.

• Mitigated business risks by working closely with staff members and assessing performance. Credit Analyst January 2004 – December 2012

SCE (www.sce-cameroun.com), Cameroon

• Developed credit information to make lending decisions on new, renewal, and extension loans.

• Monitored covenants of clients within the assigned portfolio to identify deteriorating credit conditions and compliance with the loan agreement.

• Analyzed customers data such as financial statements to determine the level of risk involved for extending credit and performed ratios (using excel sheets).

• Provided input into the planning and implementation of operational programs.

• Performed periodic reviews of credit where more frequent monitoring may be appropriate. EDUCATION

Master’s degree in Banking and finance (WES Assessment) 2017 University of Douala (Cameroon)

Bachelor’s degree in Computer Science (WES Assessment) 2011 University of DSCHANG (Cameroon)

Diploma in computer Science (WES Assessment) 2000

University of NGAOUNDERE (Cameroon)

CERTIFICATIONS

Financial Risk Manager – FRM (GARP) ongoing

Data analyst (LinkedIn learning path) 2022

Manage Financial Data with Pandas & Python (Udemy Unique Masterclass) 2022

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