SAMUEL MACHIRI NDUNGU

Principal Deputy to Director Credit

• Chairman of Bank’s Credit Executive Committee chairing 3 committees every week
• In charge of Business Segments Head, Credit Analysis & Underwriting Team, Credit Administration and Portfolio Quality & Remedial
• Formulation and review of Bank’s Credit Policy and establishment of a regime of controls and disciplines that ensures compliance with lending principles and guidelines laid down in Credit Policy
• Ensure a consistent approach in assessing risk by developing relevant risk assessment templates for use by business
• In-charge of Credit Human Capital, Target setting, Performance Management, Staff Training and Development, ensuring optimal operating structure at branch and Head Office units
• Managing entire Bank’s Credit Back Office through administrative units (Central Disbursements, Credit Analytics, Credit Documentation, Collateral Management
• Head of Credit Innovations, Automation and Digitization participation in the entire development and deployment cycle (Ideation, Design, Development, Testing, Deployment, Post-Deployment Review)
• In-charge of Credit Reporting internally to management and branches, and externally to Regulators, Development Partners, and Lenders
• In-charge of Credit-Focused Bank Audits by External Auditors, Key Credit person during Regulatory inspections, Key Credit Person during Due Diligences conducted by Development Partners.
• Led teams of up to 200 personnel, supervising daily performance as well as training and improvement plans
• Established strong relationships with key industry partners, creating mutually beneficial opportunities for growth and collaboration

• Successfully participated in the transition of Equity Building Society into Equity Bank
• Actively participated as the Head of Credit Administration in growing the Credit Portfolio from Kes 0.86 Billion in 2001 to Kes 355 Billion in 2020
• Project lead in the roll-out & implementation of multiple Banking applications – Core Banking Solutions (Bankers Realm, Finacle Versions 7, 10, 10.14), Credit Management Applications (FinnOne Credit suite, Experian analytics System Integrated Group Lending System -iGLS, NewGen Origination Platform); Oracle Suite of Applications (CRM, ERP, Cloud etc.), Roll-out of Equity Bank in Uganda & South Sudan
• Design & Implementation of Key Banking Innovations: Eazzy-Banking Suite (EazzyBiz, EazzyLoans, EazzyNet)
• A key member of the Bank Investor Relations Team focusing on Credit Related matters participating in Investor Workshops and Road in Nairobi, Mombasa, Zanzibar, Lagos, Cape Town, Johannesburg, Singapore, Lagos, Dubai and London in the period 2016, Lead in the Development and Implementation of Key Credit Risk Management capabilities - Credit Scoring & Modelling, IAS39 & IFRS9 Implementations, Credit Analytics for Decisioning, Reporting, Portfolio & Staff Performance Management., to the Director Credit
• In charge of the Business Segments Head, Credit Administration and Portfolio Quality & Remedial
• Formulation and review of the Bank’s Credit Policy and establishment of a regime of controls and disciplines that ensures compliance with lending principles and guidelines laid down in the Credit Policy
• Ensure a consistent approach in assessing risk by developing relevant risk assessment templates for use by the business
• In-charge of Credit Human Capital, Target setting, Performance Management, Staff Training and Development, ensuring optimal operating structure at the branch and Head Office units
• Managing the entire Bank’s Credit Office through administrative units (Central Disbursements, Credit Analytics, Credit Documentation, Collateral Management
• Head of Credit Innovations, Automation and Digitization participation in the entire development and deployment cycle (Ideation, Design, Development, Testing, Deployment, Post-Deployment Review)
• In-charge of Credit Reporting internally to management and the branches, and externally to Regulators, Development Partners and Lenders
• In-charge of Credit-Focussed Bank Audits by External Auditors, Key Credit person during Regulatory inspections, Key Credit Person during Due Diligences conducted by Development Partners
• Ensure continued maintenance of a quality portfolio in line with set standards as stipulated in policy guidelines
• Recommend appropriate risk classification and provision requirements in line with the prudential guidelines.

• In-charge of Credit Human Capital, Target setting, Performance Management, Staff Training and Development, ensuring optimal operating structure at the branch and Head Office units
• Managing the entire Bank’s Credit Office through administrative units (Central Disbursements, Credit Analytics, Credit Documentation, Collateral Management
• Head of Credit Innovations, Automation and Digitization participation in the entire development and deployment cycle (Ideation, Design, Development, Testing, Deployment, Post-Deployment Review)
• In-charge of Credit Reporting internally to management and the branches, and externally to Regulators, Development Partners and Lenders
• In-charge of Credit-Focussed Bank Audits by External Auditors, Key Credit person during Regulatory inspections, Key Credit Person during Due Diligences conducted by Development Partners
• Ensure continued maintenance of a quality portfolio in line with set standards as stipulated in policy guidelines.