Risk Management Credit Analyst, financial analysis, product developme
Resume:
BIO DATA
Name: Calvin Kiggundu
Date of birth: *th/12/1985
Nationality: Ugandan
Marital Status: Married
Email address: **************@*****.***
Tel: 077******* / 075*******
CAREER OBJECTIVE
Using data to create Short and long term Digital products which impact the massline by leveraging on technology and disruptions in the market place whilst hedging Vulnerabilities.
PROFILE
Am an Economist and Banker by profession who for the last 16 years has impacted growth of digital lending and savings products in the Banking Sector more so with Distributor Financing, Ecosystem Financing, Mobile loans growth and Performance in the market place. EDUCATION BACK GROUND
Year Institution Award
2021 - 2024
Makerere University
School of Economics
Master of Economic
policy and Planning
MEPP.
2005 - 2008 Makerere University
School of Economics
Bachelor’s Degree in
Economics
2003 - 2004 St Lawrence SSS Ssonde
Namugongo
Uganda Advanced
Certificate of Education
1999 - 2002 Seroma Christian High
School
Uganda Certificate of
Education
SKILLS, KNOWLEDGE & COMPETENCIES
Strong credit analytical skills.
Strong focus on balance sheet growth.
Problem analysis and problem solving.
Ability to manage complex business projects.
Ability to work with diverse development and Agile teams.
Ability to multi task with focus on delivering as per timelines.
Ability to understand and implement user stories and business requirements.
Good Team leader.
Can work under minimum supervision.
Critical focus on digital financial services growth and financial inclusion strategy.
Demonstrable understanding of Banking operations, Fintech, and financial services sector product development. This includes knowledge of credit risk assessment, modeling, and management.
Strong analytical and problem-solving skills, with the ability to assess credit risk, interpret complex data and make data-driven decisions.
Proficiency in digital lending platforms, financial software, and data analysis tools.
Good understanding of financial regulations and compliance requirements related to credit in general and digital lending in particular.
Deep understanding of customer needs and a commitment to enhancing customer experience.
Excellent written and verbal communication, with the ability to convey complex information to different stakeholders clearly and concisely.
Strong attention to detail.
WORKING EXPERIENCE.
Company: Equity Bank Uganda Ltd
Period: Jan 2018 to date
Position: Head of Digital Lending and Credit Automation Duties/responsibilities:
Lead the design, development and enhancement of the Bank’s digital credit products and services in collaboration with the Product Development & Innovation and Product Management teams. This includes the digitization of existing non-digital credit products.
Develop and implement credit risk assessment models as well as risk mitigation strategies for digital lending products.
Work with the Credit and Risk teams to monitor and manage the credit risk exposure for digital lending products.
Incorporate modern data analytics into the lending lifecycle from determination of eligibility and credit scoring to optimization of lending processes.
Improve the digital lending customer journey by streamlining the application processes, and feedback mechanisms and implementing user-friendly features across all relevant customer channels and touch points through liaising with the UI/UX teams.
Collaborate with the Compliance team to ensure that all digital lending offerings from the Bank are compliant with industry regulations, internal policies, and other applicable laws.
Conduct market research to identify trends, customer needs and competitive insights that will then feed into concrete strategies to grow the Bank’s digital lending business.
Identify potential Fintechs i.e Clinic Pesa, YO Uganda, Ezy Agric and other firms to partner with to enhance our digital credit offerings and/or capabilities.
Provide input into the Technology team’s IT roadmap and budgeting to align with the Bank’s digital lending journey and ambitions.
Support Bank-wide staff training initiatives on digital lending products, services, tools, and processes.
Developing, maintaining and managing a pipeline of customers across all stages of the Digital loan journey. This ensures that there is sufficient activity across the application approval within the system to avoid customer dissatisfaction and give attention to failure errors.
Work closely with internal stakeholders and external vendors on project planning and execution of change processes with respect to Business Policy Rules and system enhancements as per business technical requirement documents.
Serving as liaison between Projects management Office, Development teams, I.T and Commercial Business team to translate business requirements into effective technical solutions by presenting development options based on best practices with required Agility.
Gathering functional and non-functional business ideas and analysing to design processes flow and documentation in tandem with user stories.
Involved in System User Acceptance Testing & offering Business Units support and training in all Bank Digital Lending Solutions.
Using customer experience and credit expertise to wow customers at every point of their lending journey and prompt resolution to the issues raised.
Monitoring market trend and carrying out competitor analysis of the Digital Lending market with an intent to continuously innovate around online customer journey with enhanced customer experience and satisfaction, especially on Digital platforms
Providing support and training continually to bank staff on new systems, products and policy updates.
Ensuring Quality Portfolio management of Digitally Lent facilities across the Regions and Branches.
Company: Equity Bank Uganda Limited
Period: Jan 2017 to December 2017
Position: Credit Risk Analyst Head Office
Duties/responsibilities:
Prepare credit reports and loan recommendations.
Evaluate credit profile, risk exposure, and other risk factors.
Analyze balance sheet, cash flow, and credit history.
Computing interest accruals and plot repayment schedule.
Maintaining and updating existing credit files.
Staying updated about industry news, key trends, and macroeconomic news.
Ensuring compliance with credit policies.
Prepare proposals for large and complex credit facilities that meet Equity Bank credit approval requirements to grow the asset base
(portfolio) and related bank revenues like interest income, commissions and fees.
Structuring facilities and collaterals/security, constant monitoring of credit exposures to minimize NPAs.
Providing guidelines and valuable suggestions for improving quality of applications for quick decisioning and booking of a quality portfolio.
Guide and mentor New credit analysts under their indirect supervision.
Maintenance of credit files and ensuring that credit related records are properly documented.
Perform industry studies and conducts financial analyses of segment customers using credit review skills and financial expertise to support productive sales performance credit scoring.
Evaluate and acquire a good understanding of the risk associated with individual transactions, products, and borrowers.
Advice RMs on the quality of the portfolio by analyzing the NPA ratios of their customers, portfolio at risk, accounts in arrears.
Make client courtesy calls and visits to provide advisory services to achieve portfolio quality.
Timely resolution of customer issues that require analysis on their accounts.
Review existing credit facilities on an annual basis and make necessary propositions like renewals, restructures, etc.
Timely submission of required documents to credit and legal teams to have fast turnaround time.
Compliance with internal controls as per credit approval criteria as detailed in the Credit Policy and Operational Guidelines to avoid/minimize loss of revenue and prevention of frauds and forgeries.
Company: Finca Uganda Ltd
Period: Feb 2011 to December 2016
Position: Credit Manager
Duties/responsibilities:
To coach and manage performance of credit officers at the Branch.
Review all loan files presented by my officers to ensure quality loan book growth.
Motivate my team with focus on getting adequate productivity.
Provide branch balance sheet growth strategies for both Assets and Liabilities.
Ensuring utmost speed delivery by officers to offer a wow experience to loan applicants.
Carry out market outreach with the aim of getting more potential customers in different sectors of the economy.
On boarding clients on the different digital plat forms to ease their transaction reliability.
Review Branch portfolio concentration and identify possible risk triggers and hedge against any potential risk.
Ensure Bottom line revenue targets are met without shocks. Company: Finca Uganda Ltd
Period: 4th August 2008 to January 2011.
Position: Accounts Relationship Officer – Individual Lending Duties/responsibilities:
Market and grow number of borrowing customers for the Bank.
Monitor performance of all disbursed loans to ensure high performance of the assets.
Recovery of all non- performing loans to reduce on loan loss provisions.
Cross selling of all Bank Products to ensure that customers benefit from a wider range of Bank Products.
Provide customer feedback to the Bank to help in product re alignment.
Prepare financial analysis for customers to be granted loans.
Do field visits for customers to ascertain their payment capacities.
Provide weekly and monthly reports about portfolio performance. ACHIEVEMENTS
Rolled out the first mobile loan product in the Banking industry end to end (Eazzy Loan).
Introduced Digital Ecosystem Lending model in the Banking sector.
Introduced Digital Merchant loans.
Introduced Digital Agent Loans.
Introduced Agriculture Market Place Lending using Fintech / third party data and Digital Micro Insurance.
Introduced Digital overdraft Facilities for customer emergency top ups.
Introduced Telecom Digital Float Financing for Mobile Agents.
Rolled out credit origination systems for all Bank Segments.
Rolled out the first Equity Bank Credit card product in Uganda. LANGUAGE PROFFICIENCY
English.
Luganda.
Lusoga.
HOBBIES
Doing research.
Meeting and Making Friends (Networking)
Adventure/ travelling
REFEREES
Dr. Grace Kibanja.
Dean, School of Psychology, Makerere University
Email: *****.*******@***.**.**
Joseph Munyua.
Head of SME Middle Office, Equity Bank U Ltd.
Email: ******.*******@**********.**.**
Mrs. Aisha Mumeya,
Unit Manager, ICEA Lion Life Assurance,
Email: ***************@*****.***
Contact this candidate