Summary
Overview
Work History
Education
Skills
Accomplishments
Additional Information
Languages
Work Availability
Quote
Timeline
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Francis Bitanyi

Francis Bitanyi

Arusha

Summary

Service-oriented Manager with track record of consistently delivering highest levels of performance. Tactful and dynamic professional offering great acumen in sales generation and customer relationship management. Knowledgeable in financial and credit analysis, credit modeling and market status monitoring.

Overview

6
6
years of professional experience

Work History

Global Insights Manager

Sun King
04.2021 - Current
  • Provided daily insights on portfolio performance and reporting highlighting risk and issues with meaningful narrative of progress and outcomes to inform quick decision-making/action plans
  • Performed research, analyzed information collected, and proposed changes that will improve competitiveness of Green Light Planet from both sales and collections
  • Forecasted likely trends from certain risk events and identified and communicated how events will impact company's potential loss
  • Identified issues, analyzed information, and provided solutions to problems.
  • Participated in continuous improvement by generating suggestions, and engaging in problem-solving activities to support teamwork.
  • Exceeded goals through effective task prioritization and great work ethic.
  • Resolved problems, improved operations, and provided exceptional service.
  • Developed AI BOTs aiming at Fraud Detection and generated on-time insights into portfolio
  • Created baseline for tools(Web, APK, IOS) needed within risk function to drive day-to-day operations: Eg: Work Map Plans for Credit Managers
  • Worked with automation related to collection: Incentives payout, Credit Assessment, CRM ticketing, etc
  • Developed risk-explored models within Looker BI, And ensured efficiency in generating dashboards and reports on time
  • Developed collection/risk surveys, and analyzed and interpreted results for such surveys through analytical tools
  • Helped management identify workflow issues and solutions
  • Supervised and delegated tasks to team of 8 people.
  • Quickly learned new skills and applied them to daily tasks, improving efficiency and productivity.

Credit Risk Manager

Greenlight Planet
11.2018 - 03.2021
  • Analyzed performance of portfolio and provided objective strategies for portfolio improvements, Which improved repayment speed of portfolio by 24%.
  • Created necessary tools, Google sheet, and apps and ensured smooth flow of compliance, monitoring, and performance improvements
  • Performed complex analysis, and advised and shared meaningful reports to sales to keep them updated on loopholes, gaps, and improvements.
  • Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
  • Work cross-functionally with sales, management, and other departments to maintain effective operations.
  • Reviewed credit risk and reward strategy and provided recommendations to optimize risk-return characteristics.
  • Monitored accounts for signs of fraud and non-payment issues.
  • Obtained and reviewed credit reports, credit references, credit insurance, and financial statements to establish credit limits for new accounts.
  • Investigated and evaluated customers for creditworthiness and potential risk factors.
  • Reviewed and verified income, credit reports, and employment histories for each borrower.
  • Devised collection recovery strategies to resolve customer issues and delinquent cases.
  • Obtained and interpreted financial statements to assist in credit limit reviews.
  • Tracked policy exceptions to review and enhance underwriting guidelines.
  • Executed risk assessment programs to identify and quantify risks and associated controls.
  • Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales, and billing departments, Which resulted in reduction of write-off rate to less than 4%.
  • Adhered to banking standards and government lending guidelines for loan services.

Relationship Officer

EFC Bank
07.2017 - 11.2018
  • Supported credit team in mining and analyzing customer data to identify and plan for expansion and additional business.
  • Preparation of field reports/collection of data/documentation and reports
  • Identified new credit business opportunities through networking and customer research
  • Assessed credit applications and provided credit facilities to customers
  • Monitored and managed credit portfolio, ensuring compliance with internal and external regulations
  • Resolved credit-related customer complaints and issues in timely and professional manner
  • Collaborated with other departments within bank to ensure credit customer satisfaction
  • Kept accurate records of credit customer interactions and transactions
  • Meeting or exceeding credit sales and revenue targets
  • Maintained knowledge of credit industry trends and developments.
  • Retained and grew portfolio of relationships by performing proactive, mobile, and value-adding partnership roles. Which resulted in my portfolio growth to 20 billion worth with 335 Clients.
  • Monitored, followed up, and escalated cases to meet customer response commitments.
  • Retained and grew portfolio of relationships by performing proactive, mobile, and value-adding partnership role
  • Monitored, followed-up and escalated cases to meet customer response commitments

Education

Master of Science - COMPUTATIONAL AND APPLIED MATHEMATICS

The Nelson Mandel African Institution of Science AndTechnology
Arusha, Tanzania
12.2023

Bachelor of Science - MATHEMATICS AND STATISTICS

Mwenge Catholic University
Moshi, Tanzania
07.2017

Skills

  • Coding with Python, R, and Javascript Problem-Solving
  • Leadership
  • Experience with CRMs Eg Zendesk Automations, Using APIs,
  • Analytics, Using Looker BI Tool Basic
  • Database Management, SQL
  • Portfolio Analysis
  • Strategic Risk Management
  • Project Management
  • Applied Statistics
  • Delinquency Monitoring
  • Interpersonal Skills
  • Lending Regulations

Accomplishments

  • Credit Underwriting — Created(With the team) an underwriting tool, That had 4 layers; 1: Actual Income review using Bank/Mpesa statements to evaluate financial capacity, 2: Face and ID Verification, 3: CRB Scoring Matching and 4: Machine learning to learn and update the approval flow https://credit-assessment.herokuapp.com/
  • Fraud Management — Created(With the team) a Fraud platform that allows fraud management Recording, tracking activities, monitoring and reporting https://greenlightplanetfraudapp.herokuapp.com/
  • Collection Activities Tracking Tool — Created(With the team) to allow tracking policy change, act as a repository for the team, embedded AI to allow easy data querying, generate tasks for team and allow manager approval and review progress for the APK: https://www.sun-kingfieldapp.com/portfolio

Additional Information

  • Outstanding employee 2 times in a row,
  • The highest reward for an employee, Greenlight Planet.
  • Most Valued employee in more than 4 times in Sun King, Quarterly award

Languages

Swahili
Native language
English
Proficient
C2

Work Availability

monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Quote

There is a powerful driving force inside every human being that, once unleashed, can make any vision, dream, or desire a reality.
Tony Robbins

Timeline

Global Insights Manager

Sun King
04.2021 - Current

Credit Risk Manager

Greenlight Planet
11.2018 - 03.2021

Relationship Officer

EFC Bank
07.2017 - 11.2018

Master of Science - COMPUTATIONAL AND APPLIED MATHEMATICS

The Nelson Mandel African Institution of Science AndTechnology

Bachelor of Science - MATHEMATICS AND STATISTICS

Mwenge Catholic University

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Francis Bitanyi