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I am a Credit Risk & Digital Finance Professional with over 8 years of experience in banking, fintech, and digital lending across East Africa. My background spans credit risk analysis, portfolio management, digital product rollout, and data-driven decisioning, with hands-on experience supporting both MSME and mass-market lending products. I have led and contributed to the design, rollout, and optimization of digital lending solutions, including credit workflows, scorecard development, portfolio monitoring, and risk alerts. My work has delivered measurable impact — including reductions in non-performing loans, improved approval turnaround times, and scalable digital credit processes aligned with regulatory and audit requirements. In addition to financial services, I am actively building expertise at the intersection of AI operations, human-in-the-loop workflows, and remote service delivery, with a focus on: AI model evaluation and quality assurance Process documentation and operational support Data analysis, reporting, and performance monitoring I am proficient in Python, SQL, Power BI, Tableau, and Excel, and experienced in working with cross-functional teams to translate complex requirements into practical, scalable solutions. I bring a strong understanding of compliance, accuracy, and quality control, making me well-suited for roles requiring structured evaluation, documentation, and operational rigor. I am open to remote contract engagements in AI operations support, data analysis, financial process optimization, and digital product execution.…I am a Credit Risk & Digital Finance Professional with over 8 years of experience in banking, fintech, and digital lending across East Africa. My background spans credit risk analysis, portfolio management, digital product rollout, and data-driven decisioning, with hands-on experience supporting both MSME and mass-market lending products. I have led and contributed to the design, rollout, and optimization of digital lending solutions, including credit workflows, scorecard development, portfolio monitoring, and risk alerts. My work has delivered measurable impact — including reductions in non-performing loans, improved approval turnaround times, and scalable digital credit processes aligned with regulatory and audit requirements. In addition to financial services, I am actively building expertise at the intersection of AI operations, human-in-the-loop workflows, and remote service delivery, with a focus on: AI model evaluation and quality assurance Process documentation and operational support Data analysis, reporting, and performance monitoring I am proficient in Python, SQL, Power BI, Tableau, and Excel, and experienced in working with cross-functional teams to translate complex requirements into practical, scalable solutions. I bring a strong understanding of compliance, accuracy, and quality control, making me well-suited for roles requiring structured evaluation, documentation, and operational rigor. I am open to remote contract engagements in AI operations support, data analysis, financial process optimization, and digital product execution.

Geoffrey Muthondu Wanyeki

Data Scientist, Data Analyst, AI Developer, +2

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I am a Credit Risk & Digital Finance Professional with over 8 years of experience in banking, fintech, and digital lending across East Africa. My background spans credit risk analysis, portfolio management, digital product rollout, and data-driven decisioning, with hands-on experience supporting both MSME and mass-market lending products. I have led and contributed to the design, rollout, and optimization of digital lending solutions, including credit workflows, scorecard development, portfolio monitoring, and risk alerts. My work has delivered measurable impact — including reductions in non-performing loans, improved approval turnaround times, and scalable digital credit processes aligned with regulatory and audit requirements. In addition to financial services, I am actively building expertise at the intersection of AI operations, human-in-the-loop workflows, and remote service delivery, with a focus on: AI model evaluation and quality assurance Process documentation and operational support Data analysis, reporting, and performance monitoring I am proficient in Python, SQL, Power BI, Tableau, and Excel, and experienced in working with cross-functional teams to translate complex requirements into practical, scalable solutions. I bring a strong understanding of compliance, accuracy, and quality control, making me well-suited for roles requiring structured evaluation, documentation, and operational rigor. I am open to remote contract engagements in AI operations support, data analysis, financial process optimization, and digital product execution.…I am a Credit Risk & Digital Finance Professional with over 8 years of experience in banking, fintech, and digital lending across East Africa. My background spans credit risk analysis, portfolio management, digital product rollout, and data-driven decisioning, with hands-on experience supporting both MSME and mass-market lending products. I have led and contributed to the design, rollout, and optimization of digital lending solutions, including credit workflows, scorecard development, portfolio monitoring, and risk alerts. My work has delivered measurable impact — including reductions in non-performing loans, improved approval turnaround times, and scalable digital credit processes aligned with regulatory and audit requirements. In addition to financial services, I am actively building expertise at the intersection of AI operations, human-in-the-loop workflows, and remote service delivery, with a focus on: AI model evaluation and quality assurance Process documentation and operational support Data analysis, reporting, and performance monitoring I am proficient in Python, SQL, Power BI, Tableau, and Excel, and experienced in working with cross-functional teams to translate complex requirements into practical, scalable solutions. I bring a strong understanding of compliance, accuracy, and quality control, making me well-suited for roles requiring structured evaluation, documentation, and operational rigor. I am open to remote contract engagements in AI operations support, data analysis, financial process optimization, and digital product execution.

Available to hire

I am a Credit Risk & Digital Finance Professional with over 8 years of experience in banking, fintech, and digital lending across East Africa. My background spans credit risk analysis, portfolio management, digital product rollout, and data-driven decisioning, with hands-on experience supporting both MSME and mass-market lending products.

I have led and contributed to the design, rollout, and optimization of digital lending solutions, including credit workflows, scorecard development, portfolio monitoring, and risk alerts. My work has delivered measurable impact — including reductions in non-performing loans, improved approval turnaround times, and scalable digital credit processes aligned with regulatory and audit requirements.

In addition to financial services, I am actively building expertise at the intersection of AI operations, human-in-the-loop workflows, and remote service delivery, with a focus on:

AI model evaluation and quality assurance

Process documentation and operational support

Data analysis, reporting, and performance monitoring

I am proficient in Python, SQL, Power BI, Tableau, and Excel, and experienced in working with cross-functional teams to translate complex requirements into practical, scalable solutions. I bring a strong understanding of compliance, accuracy, and quality control, making me well-suited for roles requiring structured evaluation, documentation, and operational rigor.

I am open to remote contract engagements in AI operations support, data analysis, financial process optimization, and digital product execution.

Skills

Experience Level

Expert

Expert

Expert

Expert

Expert

Work Experience

Senior Credit Analyst at Bank of Africa

September 1, 2025 - Present

Conduct corporate and commercial credit appraisals, including cash flow modeling and covenant structuring. Prepare credit proposals for Credit Committee and Board approvals. Assess complex facilities such as working capital, trade finance, and term loans. Support digitization of retail credit products and automation of credit workflows.

MSME & Digital Credit Analyst at Faulu Microfinance Bank

January 1, 2025 - September 1, 2025

Design credit scorecards for digital loans, integrate them into credit workflows, and monitor portfolio risk with automated alerts. Collaborate with tech/product teams to digitize platforms. Support development of digital Trade finance products like invoice discounting and stock financing with partners.

MSME Credit Analyst at Faulu Microfinance Bank

April 1, 2023 - January 1, 2025

Perform borrowers’ credit risk assessment using CAMPARI/COLD methodologies and DSCR. Prepare sanction sheets for HOCC and Board approval. Analyze financial risk and interpret financial ratios. Monitor portfolio to identify Credit Risk gaps and advise on arrears to improve policy.

Senior Credit Risk Analyst at Rafiki Microfinance Bank

November 1, 2021 - March 1, 2023

Evaluate customer credit risk to determine ability to service requested facilities. Implement operational improvements that increased departmental efficiency by 15%. Prepare reports on exceptions to credit policy and regulatory guidelines. Supervise a team of four credit analysts and enhance performance through targeted training. Strengthen collaboration with key stakeholders.

Credit Risk Analyst – MSMEs at Rafiki Microfinance Bank

August 1, 2019 - November 1, 2021

Conduct MSME credit appraisals using CAMPARI assessment model. Prepare clear, error-free credit proposals and recommendations for approval. Ensure compliance with internal credit policies and underwriting standards. Maintain CBK and Microfinance Act compliance.

Relationship Officer – Credit Analysis at SMEP Microfinance Bank

January 1, 2019 - August 1, 2019

Analyze clients’ financial statements to assess repayment capacity. Ensure full compliance with credit policy and regulatory requirements. Monitor, escalate, and close credit audit issues within agreed timelines.

Credit Administration Officer at SMEP Microfinance Bank

January 1, 2017 - January 1, 2019

Authorized, sanctioned, and disbursed loan facilities in the core banking system. Ensure accurate collection of fees, commissions and interest income. Drafted and proofread letters of offer for approved facilities. Maintained securities and collateral registers for audits and operations. Updated collateral registers to support audits.