Jesujana Kayode Emmanuel

Leads advanced credit risk assessments and portfolio management, leveraging data analytics to optimize lending decisions and minimize defaults.

• Managed a diverse loan portfolio valued at over $X million, significantly reducing default rates by 15% through proactive risk identification and mitigation strategies.
• Developed and implemented data-driven risk models, improving credit scoring accuracy by 20% and streamlining the loan approval process for enhanced efficiency.
• Provided strategic recommendations to senior management on emerging market trends and risk exposure, directly influencing sound financial planning and policy adjustments.
• Mentored and guided a team of 3 junior analysts, enhancing their capabilities in advanced credit assessment, data analysis, and regulatory compliance.

Conducted comprehensive credit evaluations and risk analyses, contributing to informed lending decisions and maintaining portfolio health.

• Analyzed financial statements and credit histories for an average of 50+ loan applications monthly, ensuring strict adherence to lending policies and risk parameters.
• Identified and flagged high-risk accounts, preventing potential losses totaling over $Y through diligent analysis and timely intervention.
• Collaborated cross-functionally with sales and operations teams to structure loan products that balanced risk profiles with profitability targets.
• Prepared detailed credit reports and risk assessments, providing actionable insights for management review and decision-making.

Supported credit risk operations by conducting preliminary assessments and maintaining accurate risk data.

• Assisted in the evaluation of credit applications, verifying client information and preparing preliminary risk reports for senior review.
• Maintained and updated credit risk databases, ensuring data integrity and accessibility for ongoing analytical purposes.
• Contributed to weekly risk review meetings, presenting findings on emerging credit trends and individual loan performance.
• Conducted initial due diligence on prospective clients, gathering essential financial and background information.

Gained foundational knowledge in credit assessment and risk management principles through structured training and practical application.

• Completed an intensive training program in financial analysis, credit scoring methodologies, and regulatory compliance within the microfinance sector.
• Shadowed senior analysts, learning best practices in risk identification, mitigation strategies, and portfolio monitoring.
• Assisted in data collection and preliminary analysis for various credit reports and market research initiatives.
• Participated in client interviews to understand financial needs and assess repayment capacities.

Applied machine learning and statistical techniques to real-world datasets, developing predictive models and extracting actionable insights.

• Developed a predictive model for customer churn, achieving 85% accuracy using Python, scikit-learn, and advanced statistical methods.
• Performed extensive data cleaning, transformation, and feature engineering on large, unstructured datasets, improving data quality by 30%.
• Visualized complex data insights using Matplotlib and Seaborn, effectively communicating findings to project leads and stakeholders.
• Contributed to a team project focused on optimizing resource allocation using data-driven forecasting, resulting in potential efficiency gains.

Managed administrative operations, ensuring efficient workflow and supporting departmental functions within the bank.

• Streamlined document management and filing processes, improving retrieval efficiency by 25% and enhancing data accessibility.
• Coordinated schedules, meetings, and communications for a team of 10+, significantly enhancing overall operational flow and productivity.
• Managed office supplies and equipment inventory, optimizing resource utilization and contributing to a 10% reduction in administrative costs.
• Provided comprehensive administrative support, ensuring smooth daily operations and a highly organized work environment.