Dare Odeyemi

· Crafting innovative credit decision strategies by seamlessly integrating expert experience with advanced statistical tools like SAS/SQL, Python, RStudio, and PowerBI and Excel. Proficiently analysing and scoring customers, ensuring precision and effectiveness in decision-making processes for secured and unsecured loans.

· Spearheaded the formulation, upkeep, and advancement of comprehensive credit collections strategies, ensuring their application across recovery logic deployment, auto-call at the due date, tele-collections, debt recovery agents, and foot recovery officers. This strategy has kept the default rate at 2.2% to date.

· Managed the entire credit projects and products as a product owner in an agile environment as a certified Product Owner and Scrum Master.

· Implementing approved changes to credit decisioning systems by coding, testing, and serving as the primary internal credit contact.

· Implemented IFRS9 debt provisioning standard for Baxi in line with regulatory requirements.

· Developed a credit product for SMSE, including Post Paid Services and BNPL, Consumer lending leading to a monthly gross transaction value of $10 million and consistent month-on-month growth.

· Managed a credit products and team to achieve an annual revenue of $2.41 million in credit facilities to support self-employed persons through expertise in industry knowledge, analytics, and credit policies with the use of tools like SQL, PowerBI, Python, machine learning, debt provisioning, and data manipulation.

· Innovated a credit process, resulting in a 75% reduction in monthly staff overhead costs and optimizing credit profits and still scalable as of today.

· Created an automated dashboard with SQL, Power BI, and DAX for presenting credit metrics to stakeholders and providing insights to the management team.

· Established product requirements for the Arrears Management System, automating the tracking of loans in default and auto-assigning them to collection agents or staff based on default ages to reduce roll and default rates and NPL at each level.

· Acted in compliance with GDPR, LESP, FCA regulations, and various data protection laws.

• Developed and maintained relationships with customers and suppliers through account development.

· Orchestrated credit automation assurance, catalysing a 20.6% surge in loan disbursements, seamlessly transitioning from manual underwriting to full automation via Data Query language and Excel analytics.

· Spearheaded all credit automation processes, steering strategies to meet targets, fostering robust cross-functional relationships, and leading a skilled team.

· Foster strong relationships with participating teams, led and developed a skilled team, and established a robust rapport with the engineering team.

· Ensured stability, efficiency, and scalability of deployed solutions, offering strategic feedback to product and engineering teams.

· Enhanced the quality, reliability, and performance of credit risk solutions through rigorous testing and data analytics, achieving precision and accuracy.

· Elevated branch transaction values by over $1.3 million monthly through adept management of KYC, Money Laundering, and account processes for personal and corporate customers.

· Significantly boosted NPS scores by expertly configuring Verve, Visa, and Master cards, processing reference letters, and handling status inquiries.

· Drove a remarkable $250K revenue increase for the branch by proactively engaging in sales, reactivating accounts, and ensuring seamless processing of corporate staff salaries, accompanied by consistently delivering SRA-proof reports on a weekly and monthly basis.