Bukola Aina (Buki)

Senior Risk Analyst with 8+ years of experience in commercial lending, consumer lending, credit risk assessment, and underwriting across banking, fintech, and payroll industries. Experienced in evaluating financial statements, bank statements, cash flows, repayment capacity, and overall creditworthiness of small businesses and consumers. Proven ability to identify fraud risks, assess complex credit exposures, and provide clear, well-supported lending recommendations.

Recently completed a Post-Diploma Certificate in Data Analytics, leveraging SQL, Python, and Power BI to enhance risk analysis, portfolio monitoring, and data-driven decision making.

Credit & Risk Analyst (Remote) at Dayforce Canada (2023-02 – Present)

• Conduct comprehensive risk assessments of small and medium-sized businesses seeking payroll and workforce management services, evaluating financial strength, operational scale, and business legitimacy.
• Analyze business financial indicators, revenue estimates, payroll obligations, industry benchmarks, and operational characteristics to assess financial capacity and overall risk exposure.
• Review supporting documentation and investigate discrepancies between stated business activity and observed financial or operational indicators.
• Identify fraud risks, suspicious activity, and potential financial losses through detailed investigations and business verification reviews.
• Apply sound risk judgement and recommendation frameworks to support onboarding decisions while balancing risk mitigation and customer experience.
• Evaluate businesses across diverse industries, assessing business models, financial health, operational stability, and potential risk factors.
• Prepare clear risk assessments and communicate findings to internal stakeholders to support informed business decisions.

Credit Analyst at Flexiti Financial (2021-11 – 2023-02)

• Assessed consumer credit applications using TransUnion and Equifax credit bureau data, income verification, debt obligations, and affordability metrics.
• Evaluated borrower repayment capacity through analysis of credit history, utilization trends, payment performance, and existing liabilities.
• Applied lending policies and underwriting guidelines to support responsible credit decisions while maintaining portfolio quality.
• Reviewed credit limit increase requests and escalated applications requiring additional risk assessment.
• Identified fraud indicators, identity verification concerns, and application anomalies requiring further investigation.
• Documented lending decisions and communicated recommendations clearly to internal stakeholders.

Credit Risk Analyst at AB Microfinance Bank (2011-03 – 2019-03)

Conducted credit risk assessments for SME and consumer loan applications, analyzing financial statements, cash flows, and credit histories to determine borrower repayment capacity. Performed financial analysis using key ratios (liquidity, leverage, and profitability) to evaluate business performance and overall creditworthiness. Reviewed balance sheets, income statements, and cash flow indicators to assess borrower solvency, operational stability, and potential default risk.

Prepared detailed credit memos and risk recommendations for management approval, summarizing financial performance, risk exposures, and repayment structures. Monitored loan portfolio performance and identified early warning indicators of financial distress, enabling proactive risk mitigation. Collaborated with credit and operations teams to ensure compliance with lending policies and regulatory requirements.

Post-Diploma Certificate in Data Analytics – Southern Alberta Institute of Technology (SAIT)

MBA in Finance – University of Lagos

BSc in Biochemistry – Olabisi Onabanjo University