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salome ndunge

@salomendunge

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I lead data-driven credit strategy, portfolio performance, and sustainable lending growth.

United Arab Emirates

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What I'm looking for

I'm looking to apply credit strategy, analytics, and portfolio leadership to grow sustainable lending products, improve customer outcomes, and shape evidence-based business decisions across cross-functional teams.

I'm leading credit risk strategy for Botim's CashNow and SNPL portfolios in Abu Dhabi, shaping approval logic, score thresholds, segmentation, and portfolio direction to balance growth, risk, and profitability.

Previously at Branch Microfinance Bank, I led credit and analytics across East Africa, presenting portfolio insights to Board Credit Committees and executive forums. I improved loan decision turnaround time by 30% through credit-tool and policy enhancements and increased net yield by 12% through profitability initiatives.

Across Pezesha Africa, Lipa Later Group, and Branch International, I've managed SME lending portfolios, built scorecards, refined credit models, conducted financial modelling, and supported lending-product decisions. My work has included reducing fraud cases by 50%, improving underwriting, and strengthening portfolio performance across African markets.

I translate complex analysis into practical decisions for senior stakeholders, using SQL, Python, Tableau, Power BI, and Excel. I'm motivated by commercial success and inclusive economic impact through evidence-based credit strategy.

Experience

Work history, roles, and key accomplishments

Current

Credit Portfolio Strategist

Current

Botim

Feb 2025 - Present (1 year 7 months)

Lead credit risk strategy for the CashNow and SNPL portfolio, driving growth while optimizing risk and profitability. Design and implement credit policies and frameworks to guide underwriting decisions and portfolio direction.

Credit Risk Strategy Policy Development Underwriting Segmentation Fraud Risk Management Portfolio Management Data Analysis Cross Functional Collaboration

Credit & Analytics Lead- East Africa

Branch Microfinance Bank

Feb 2024 - Feb 2025 (1 year)

Led regional Quarterly Board Credit Committees and Credit Committees, delivering portfolio performance insights and shaping strategic credit decisions. Managed and developed analysts, achieving 98%+ performance against KPIs and OKRs, and directed credit tool enhancements reducing loan decision turnaround time by 30%.

Credit Risk Management Analytics Leadership KPI Management OKRs Policy Optimization Regulatory Compliance Vendor Management Data Driven Strategy

Senior Credit Analyst- East Africa

Branch Microfinance Bank

Sep 2023 - Feb 2024 (5 months)

Executed ad-hoc financial analyses and collaborated with data science, engineering, and product teams to support business optimization. Leveraged SQL and Periscope for in-depth credit data analysis and visualization, and provided key input in refining credit scoring models.

SQL Periscope Credit Analysis Data Visualization Financial Analysis Credit Scoring A B Testing Risk Strategy

SME Portfolio Lead

Pezesha Africa Limited

Jul 2022 - Aug 2023 (1 year 1 month)

Led SME lending portfolios across multiple African markets, driving portfolio growth, credit quality, and risk performance. Managed a team of analysts and credit officers, and owned product management for SME lending and Trade Finance solutions.

Portfolio Management Credit Risk Team Management Product Management Financial Modeling Cash Flow Analysis Due Diligence Data Driven Insights

Credit Operations & Relationship Lead- East Africa

Pezesha Africa Limited

May 2021 - Jul 2022 (1 year 2 months)

Designed and implemented credit origination processes, contributing to increased loan disbursements and revenue growth. Led data cleaning efforts and generated reports to support transparency and accuracy in performance tracking.

Credit Operations Process Design Data Cleaning Reporting M Pesa Cross Functional Collaboration Recruitment

Credit Analyst

Lipa Later Group

Sep 2020 - May 2021 (8 months)

Assessed borrower credit profiles, built scorecards and models to improve lending decisions. Collaborated with tech and collections teams to refine user journeys and boost repayment efficiency.

Credit Analysis Scorecard Development Financial Modeling Market Research Risk Mitigation Reporting

Loan Origination Associate

Branch International

Jul 2018 - Sep 2020 (2 years 2 months)

Reviewed and approved loan applications, contributing to enhanced KYC and origination processes. Reduced fraud cases by 50% through proactive risk identification and escalation.

Loan Origination KYC Fraud Detection Risk Identification Credit Assessment Experimental Design