Kevin Azangu

Offering Over 6 years’ experience in Data analytics High performance Credit, Collections and risk management with progressively responsible experience in financial analysis, credit management operations, procedures and processes, staff training / supervision, and software testing and implementation. Experience in tactical execution of initiatives that enhance client service, operations and bottom-line performance.

PROFESSIONAL WORK EXPERIENCE

Data Analyst and Quality Assurance - Garth Day Year Auctioneers - 16th Feb 2022 to date.

Garth Day Year Auctioneers is a company that deals with debt recovery, Repossession and Private investigation.

Key Responsibilities

Company policies and procedures

• Client-specific requirements
• Monitor and Score Collection Calls
• Managing Day-to-Day Operations
• Communicate analytic results to both technical and non-technical audiences, using
• Microsoft Excel worksheets and Power point presentations
• Collect, collate, and analyses all data required, and present the information in a format 
• that is useful for management decision making.
• Risks analysis & Credit underwriting monitoring -Perform financial analysis, cash flow analysis, credit evaluation and risk exposure evaluation in line with the risk model. 
• Portfolio performance monitoring and offer solution to maximize collection and keep the Non-Performing Portfolio lowest possible. 
• Policy and Regulation Monitoring and update by following up closely with daily legal developments in the market. 
• Competitor research and optimization of the product in regard to the insights gained from research. 
• Customer service experience optimization through track of the main customer issues and offering the necessary solutions. 
• Front end system analysis to ensure customer records are in order and offer solutions whenever there are affected loan records. 
• Research and implementation of third-party services like Outsourcing Companies, Autodialer system, Bulk SMS services, Voice SMS systems. 
• Offering skip tracing strategies to the collection team to ensure they get hold of the elusive customers. 

Data Analyst, Absa Bank Kenya PLC - 01/ 2018 to 02/2022

Key Responsibilities

• Collect, collate, and analyse all data required, and present the information in a format that is useful for management decision making.
• Produce all relevant returns accurately and on a timely basis.
• Assist in the design and improvement of spreadsheets and databases for use within the team.
• Ensure integrity and completeness of data.
• Analyze and interpret customer data relating to Collections & Recoveries processes using statistical and data analysis packages such as, Terra data(SQL), Hadoop, Excel.
• Communicate analytic results to both technical and non-technical audiences, using Microsoft Excel worksheets and Power point presentations.
• Support managers by providing relevant and timely analysis for current projects and ad-hoc queries.

Key Responsibilities

• Monitor and control the out of order loan and card accounts and take appropriate collection action to normalize the position, within pre-determined policy rules and laid down strategies. The overall objective of the role is to ensure appropriate and timely collection action is taken to prevent the account rolling over to the next arrear and being relegated to debt collection agents.
• Undertake the review and actioning of delinquent reports; employ collection strategies within policy guidelines with a view to ensuring that out of order accounts are returned to order within the shortest possible time. This is likely to involve agreeing short term repayment plans.
• Contact customers whose accounts are payments in arrears. This may take the form of written correspondence or normally this would be by direct telephone contact.
• Maintain a diary system for restructure /repayment program arrangements.
• Review and recommend classification of deteriorating accounts to DRU, legal follow up or external collection agents.
• Send notices to delinquent customers
• Adhere to service level agreements
• First point of contact for customer complaints on delinquent accounts.
• Provide analysis to support managers with business as usual activities such as daily MIS Reports.
• Continuously strive to improve Collections & Recoveries decision support systems.
• Develop, implement and maintain Collection strategies for the Collections & Recoveries business as a whole (operating, organizational, physical and technology models).
• Be responsible for the successful design, development and implementation of any Collections & Recoveries programmes of change, ensuring that the benefits of such change are driven out and maximized and change embedded into the business as usual operations.
• Continuous improvement of the Management Information base to ensure they remain relevant, reflect collection appetite and are useful to provide the business with information for use in decision making.
• Prepare summaries of units performance
• Prepare Delinquency statistics on retail collections & Recoveries portfolio.
• Analysis and interpretation of analysis

• Basic knowledge of the bank’s customer service standards
• A good understanding of the bank’s lending policies, principles and procedures
• A general knowledge of the International Credit manual, BMIS User manual, and Guide to management of risk
• Understanding of debt recovery (DRU) procedures manual and Debt outsourcing procedures manual.
• Basic Risk Management techniques
• Debt Recovery techniques
• Negotiating skills
• Credit management

• Preparation of the Credit application for customers and conducting financial analysis and recommend to risk department.
• Extract Customer credit Bureau report and interpret to the risk department • Verify and authenticate the security documents before loan processing. 
• Scan security document to the digitized record keeping system. 
• Achievements 
• Implementation of digitized record keeping system 
• Aided in adoption efficient loan application review process.

Certificate on Financial Modelling – 2018 – Strathmore University

Bachelor of Applied Management ( Finance option) – St. Clements University - 2010- 2014

Kenya Certificate of Secondary Education ( KCSE) – 2005 – 2009