DICKSON TUNGU
Credit Risk Analyst & Compliance
Nairobi
Summary
Dynamic credit risk management professional with over 5 years of experience, strong analytical skills, and a comprehensive understanding of financial risk assessment. Expertise in developing and implementing effective risk mitigation strategies while ensuring adherence to regulatory standards. Recognized as a collaborative team player dedicated to achieving results and adapting to evolving business needs. Proficient in data analysis, financial modeling, and credit evaluation, committed to driving positive outcomes for the organization.
Overview
7
7
years of professional experience
5
5
Certifications
1
1
Language
Work History
Head of Credit Risk and Compliance
Lin-Cap Credit Limited
06.2024 - Current
- Credit Risk Assessment: Analyzing and assessing the creditworthiness of clients and counterparties, developing and implementing credit policies and procedures to mitigate risk.
- Portfolio Management: Monitoring the credit portfolio to ensure optimal performance and minimal defaults, conducting regular reviews of credit exposures and making recommendations for adjustments.
- Decision-Making: Approving or declining credit applications based on risk assessments and collaborating with other departments to facilitate lending processes.
- Reporting: Preparing detailed reports on credit risk exposure and trends for senior management and ensuring transparency in reporting credit risk metrics to stakeholders.
- Strategic Planning: Contributing to the development of business strategies that balance growth and risk management, identifying market trends and adjusting credit strategies accordingly.
- Team Leadership: Managing and mentoring the credit analysis team and fostering a culture of risk awareness and compliance within the team.
Senior Credit Risk Analyst
Ngao Credit Limited
09.2023 - 05.2024
- Ensured adherence to credit policies, procedures and regulatory requirements while analyzing changing market conditions and impact on the internal credit policies and procedures.
- Contributed to key activities and milestones in technology implementation projects and escalated any credit applications that deviate from standards.
- Analyzed expected profitability of different credit portfolio segments, and methods to understand buyer profiles and profitable buyer segments.
- Analyzed credit data, financial statements and other information to determine the degree of risk involved in approving credit applications.
- Analyzed reports on portfolio credit exposure including monthly maturity reports, daily trade activity reports and weekly past due reports.
- Conducted reviews on flagged non-performing applications and plans possible credit restructuring options.
- Monitored buyers’ financial information or records to decide on next course of action.
- Managed dashboard template that supports monitoring of credit exposure levels.
- Gathered information on reputable sources and patterns of latest technologies.
- Monitored portfolios for adherence to credit risk management frameworks.
Telesales Team Lead
Ngao Credit Limited
09.2022 - 08.2023
- Supervision and Support: Responsible for overseeing a team of customer service representatives (CSRs) and providing them with guidance, support and feedback.
- Performance Management: Monitored the performance of individual team members, track key performance metrics such as call quality, average handling time, customer satisfaction and adherence to protocols.
- Training and Onboarding: Played a vital role in the onboarding process of new hires, provided initial training and ensured their smooth integration into the team.
- Escalation Handling: When complex or escalated customer issues arise, I stepped in to aid and find resolutions.
- Quality Assurance: Responsible for maintaining service quality and ensuring adherence to established standards and procedures.
- Communication and Reporting: Acted as a bridge between frontline CSRs and management by communicating updates, changes and organizational objectives to their team members.
- Problem Solving: Acted as adept at problem-solving and decision-making, by addressing challenges and obstacles that arise during daily operations, resolving conflicts within the team and collaborating with other teams to improve overall contact center performance.
- Provided solutions, recommendations and replacements with empathy and positive feedback.
Credit Risk Analyst Officer (SME)
Platinum Credit Limited
01.2020 - 12.2022
- Assessed the records of each customer and recommended the appropriate payment plans based on their earnings, payment histories and purchase activities.
- Completed loan applications with the full credit analyses and summaries of loan requests and submitted to loan review committees for approval.
- Reviewed individual or commercial customer files to identify and select delinquent accounts for collection.
- Evaluated financial information for the loan products to evaluate their growth potential and market share and determine their expected profitability.
- Identified delinquent accounts and initiated collection processes to obtain their overdue funds.
- Prepared reports including degree of risk involved in extending credit or lending money.
Data Clerk Intern
Nairobi County
01.2019 - 12.2019
- Transferred data from hard copy formats into computer files and database systems and stored records and related materials as backups for digital data.
- Created comprehensive Excel spreadsheets to organize large datasets and loaded machines with source media to capture data points.
- Entered data by inputting alphabetic and numeric information using established procedures.
- Tracked data entry operations and errors with daily logs and monthly report.
- Compiled, sorted and verified the original documents prior to data entry.
Education
Bachelor of Science - Applied Statistics
Kisii University
Kenya 04.2001 -
Kenya Certificate of Secondary Education (K.C.S.E) - undefined
Machakos School
11.2013
Kenya Certificate of Primary Education (K.C.P.E) - undefined
Precious Moment School
12.2009
Skills
Financial Analysis
Credit Scoring and Modeling
Regulatory Compliance
Portfolio Management
Credit analysis
Credit scoring & stress testing
Excellent communication
Decision-making
Financial reporting & cash flow analysis
Attention to detail
Credit risk assessment & management
Relationship management
Accomplishments
- Student government.
- Data science club
Certification
1.ISO 31000-The fundamentals of Enterprise Risk management.
Interests
Networking, Socializing, Reading novels
Timeline
3. Fundamentals of Credit control.
01-2025
2. Introductory course in personal Finance and Credit
12-2024
1.ISO 31000-The fundamentals of Enterprise Risk management.
10-2024
4. Diploma in customer service
06-2024
Head of Credit Risk and Compliance
Lin-Cap Credit Limited
06.2024 - Current
5. Essential soft listening skills.
04-2024
Senior Credit Risk Analyst
Ngao Credit Limited
09.2023 - 05.2024
Telesales Team Lead
Ngao Credit Limited
09.2022 - 08.2023
Credit Risk Analyst Officer (SME)
Platinum Credit Limited
01.2020 - 12.2022
Data Clerk Intern
Nairobi County
01.2019 - 12.2019
Bachelor of Science - Applied Statistics
Kisii University
04.2001 -
Kenya Certificate of Secondary Education (K.C.S.E) - undefined
Machakos School
Kenya Certificate of Primary Education (K.C.P.E) - undefined
Precious Moment School