Tony Nyumba Apindi

TONY NYUMBA APINDI Tel: - E- mail:-CREDIT ANALYST AND DATA SCIENCE PROFESSIONAL I am a Credit Analyst and Data Science professional with 3 years of experience in statistical analysis and 2 years in project management. In my current role at Branch International, I specialise in data-driven decision-making, credit risk analysis, and the development of credit models. I excel in monitoring portfolio performance, optimising credit policies, and proposing data-driven solutions to enhance profitability and customer experience. My expertise extends to collaborating with cross-functional teams to drive product strategy and develop insights through advanced data analysis and visualisation techniques. Additionally, I have a strong foundation in data science and project management gained through my previous roles and training with Adaptive Management and Research Consultants (AMREC) Limited. EDUCATION BACKGROUND • Bachelor of Science in Applied Statistics and Computing – Moi University, Kenya. August 2018-April 2023 (Second Class Honours [Upper Division]). PROFESSIONAL COURSES • Understanding Product Management- Continuing Professional Development (CPD) Certification Service, United Kingdom through Alison.com. May, 2023-June, 2023. • IBM ITExperience Data Analysis. June, 2023-October, 2023. WORK HISTORY Branch International (Nairobi, Kenya); Mar 2024-Present Credit Analyst (Hybrid) • Monitor performance and drive changes in the Credit Policy of Branch MFB East Africa portfolio to optimise profitability and reach growth targets. • Drive lending product strategy and roadmap, work on developing new products and grow existing lending portfolios effectively. • Collaborate with data science, product, marketing, collections, and engineering to propose experiments and policy changes • Contribute to the development of current and new Credit MI, metrics, dashboards, and decision tools in order to gain accurate and timely insight into the Credit Risk drivers. • Create, implement, and support credit models leveraging a variety of mathematical and computer science methods and tools including Python, Structured Query Language (SQL), mathematical finance/ programming and statistics, and probability. • Conduct ad-hoc analysis to identify underlying explanations for changes in portfolio performance, develop data-driven solutions, and evaluate expected portfolio impacts. • Propose data-driven product changes to improve customer experience and company profitability. Partner with product and engineering teams to implement your solution into production. • Develop statistical models to assist in pricing and user segmentation for capital markets transactions and financial data analysis. • Efficiently deliver on compliance by meeting external reporting requirements to ensure Branch MFB continues to meet its regulatory ‎obligations. • Ensure accurate and timely data submission to the relevant stakeholders such as CRB, CBK etc. AiCE Africa (Nairobi, Kenya); Jan 2024-Feb 2024 Artificial Intelligence Educator (Remote) • Teaching: Teaching and training the participants on the fundamentals of data analysis and data science using Python Programming Language. • Curriculum Development: Creating and developing course content for the students. SELF-EMPLOYED (Nairobi, Kenya); Jan 2021-Feb 2024 Freelance Data Analyst (Hybrid) • Engaged in freelance data analysis for various clients, including master's students and organisations. • Conducted statistical analyses on diverse datasets, employing tools such as NVIVO, MAXQDA, SPSS, STATA, R Programming, and Python Programming Language. • Compiled comprehensive reports detailing analysis methods, results, and actionable insights. • Provided clients with strategic suggestions and recommendations based on data-driven insights. • Demonstrated versatility in handling different types of data and addressing varied analytical requirements. AMREC Limited (Kisumu, Kenya); May 2022- July 2022 Statistics and Monitoring and Evaluation Intern (On-site) • Developing a Monitoring and Evaluation Plan: Assisted in identifying the objectives of the intervention, defining the indicators that would be used to measure progress and impact and developed a plan for collecting and analysing data. • Data Collection: Made phone calls, sent emails to the required respondents and created electronic surveys and questionnaires to obtain the required information. • Data Cleaning: Identified and corrected inconsistencies and inaccuracies in the data collected. This was to ensure that the data was accurate, complete and consistent and could assist in the analysis process. • Data Analysis and Presentation: Conducted the required analysis using the appropriate software and techniques that included descriptive and inferential statistics. After the results were obtained, the findings were typed to report the finding and visualisation conducted to assist the stakeholders understand and interpret the findings easily. SKILLS • Microsoft applications (proficient in all) • Data collection software: CommCare, Survey CTO, Open Data Kit (ODK) • Data analysis tools: NVIVO, MAXQDA, SPSS, STATA, R Programming, Python Programming Language • Data visualisation tool: Microsoft Power BI • Database management software: Structured Query Language (SQL) • Effective Communication: Strong verbal and written communication skills, ability to convey complex concepts to diverse audiences, active listening, and collaboration. • Insightful Reporting: Proficient in crafting compelling reports and other written deliverables that translate complex data into actionable insights. I possess a keen eye for detail, enabling me to present information in a clear, concise, and visually appealing manner. I excel in synthesising complex data sets, distilling key findings, and providing impactful recommendations. My reports are not only informative but also engaging, ensuring that stakeholders are able to grasp the significance of the data and make informed decisions. Mr. John Wafula Head of Artificial Head of Artificial Intelligence AiCE Africa - REFEREES Mr. Vincent Masolo Grants Management Consultants UNICEF-ECW Hosted Funds --