Scott Kitibwa

Created comprehensive dashboards tracking default trends and employer remittance patterns, enhancing risk-based decision-making and reducing potential losses. Transformed loan remittance reconciliation processes, accelerating collections by 25% and revamping DAS suspense account reconciliation procedures. Implemented targeted concentration risk controls and established an early warning system for

Spearheaded client-tiering delinquency strategies for employer-based portfolios, resulting in a 17% reduction in PAR 30 and NPA levels. Served as designated Risk Champion, leading organization-wide risk awareness initiatives that increased compliance adherence. Streamlined monthly suspense account reconciliations and redesigned portfolio performance analysis frameworks to detect default trigger br

Executed customized recovery strategies for charged-off accounts, consistently exceeding monthly targets by 12-15%. Collaborated with Relationship Managers to resolve employer-related payment issues, recovering UGX 1.5 billion in at-risk loans. Maintained perfect compliance with the Operational Recovery Framework (ORF) through meticulous documentation and procedure adherence.

Expanded the employee banking portfolio by 18% through strategic employer relationship management and targeted referral programs. Implemented segment-specific risk mitigation strategies based on detailed customer risk profiles, reducing default rates by 9%. Achieved 100% compliance with AML and internal Credit Risk policies through rigorous monitoring and documentation.

Orchestrated recovery strategies across 30+ and 90+ DPD accounts, achieving 22% higher recovery rates than the team average. Negotiated customized payment plans that retained 85% of delinquent customers while meeting recovery objectives. Reduced customer complaint escalations by 40% through effective resolution strategies and transparent communication, achieving 90% compliance with AML and Credit

Currently pursuing a Certificate in Data Science at Regenesys. Developing skills in data analysis and interpretation.

Currently enrolled in the Data Science Program at World Quant University. Enhancing expertise in quantitative analysis and data-driven decision making.

Studied accounting principles and practices at Makerere University. Gained foundational knowledge in financial reporting, auditing, and taxation.

Completed advanced level studies at Naalya Senior Secondary School. Focused on subjects relevant to higher education.

Completed ordinary level studies at Merry Land High School. Acquired foundational knowledge across various subjects.