Available for opportunities
Adekunle Okunade
Data Analyst and Certified Data Protection OfficerCredit Risk & Analytics · Lagos, Nigeria
- Email: hello@adekunleokunade.com
- Phone: +234 803 543 4816
Professional summary
Credit Risk and Data Analytics professional with 5+ years' experience analysing loan portfolios, monitoring delinquency trends, and supporting risk-based decision-making within a high-volume fintech lending environment. Strong background in portfolio risk monitoring, behavioural analysis, and recovery optimisation, with hands-on experience tracking PAR buckets, NPL trends, and customer risk patterns. Skilled in using SQL, Python, and Power BI to build dashboards, generate insights, and support credit policy improvements, risk segmentation, and lending decisions.
Core competencies
- Portfolio risk monitoring (PAR, NPL, roll rates)
- Credit risk analysis and customer risk profiling
- Delinquency and behavioural trend analysis
- Early warning signal (EWS) identification
- Risk-based segmentation and strategy
- Data analysis (SQL, Python, Excel, Power BI)
- Dashboard development and automation
- Credit lifecycle understanding (origination to recovery)
- Risk reporting and insights communication
- Process improvement and risk optimisation
Professional experience
Sept 2022 to present
Senior Team Lead, Credit Performance & Risk Analytics
Singularity Technology Nigeria Limited, Lagos
- Monitor and analyse loan portfolio performance across delinquency buckets (PAR 0 to 90+), identifying trends and emerging credit risks.
- Track and report non-performing loans (NPL) and recovery performance, supporting portfolio quality improvement.
- Identify early warning signals (EWS) through behavioural and repayment pattern analysis, enabling proactive risk mitigation.
- Built Power BI dashboards to monitor portfolio health, delinquency migration (roll rates) and recovery efficiency.
- Conduct customer segmentation based on risk levels, improving targeted recovery strategies and reducing losses.
- Provide data-driven insights that influenced repayment restructuring decisions, customer treatment strategies and risk control improvements.
- Improved recovery performance by 15% through data-led strategy optimisation.
Sept 2021 to Aug 2022
Team Lead, Collections & Risk Monitoring
Singularity Technology Nigeria Limited
- Analysed repayment behaviour to track movement across delinquency stages, supporting portfolio monitoring.
- Identified high-risk customer segments and supported targeted intervention strategies.
- Generated weekly and monthly reports on portfolio performance and risk trends.
- Applied data insights to improve team recovery efficiency and reduce delinquency rates.
Aug 2020 to May 2021
Loan Recovery Analyst
Singularity Technology Nigeria Limited
- Analysed customer payment patterns to identify default risks and improve recovery strategies.
- Contributed to the reduction of non-performing loans (NPL) through targeted engagement strategies.
- Supported documentation and reporting for compliance and credit risk tracking.
Selected projects
Credit analysis, Level 1: loan portfolio health check
A first look at the health of a loan portfolio: how much risk there is, where it is concentrated and which segments need attention first.
Tools: Power BI
Maji Ndogo: water access, queues and safety
Who has safe, reachable water, how long do people wait for it, and what does it cost them in safety? A Power BI report on a national water survey, with a recommendation for where to act first.
Tools: Power BI, Excel
NaijaStock sales and distribution dashboard
Give a distribution company's executives and its product, warehouse and procurement teams one consistent view of sales performance.
Tools: Power BI, DAX, Excel, Data modelling
Education
MSc Economics
University of Lagos, 2025. Econometrics, forecasting and statistical modelling.
BSc Economics
University of Lagos, 2023.
Certifications
IIM Certified Data Protection Officer
Institute of Information Management (IIM)
2026
McKinsey Forward Program
McKinsey & Company
2023
Google Data Analytics Professional Certificate
Google
2023
IBM Data Science Specialization
IBM
2023
Explore AI Data Science
Explore AI
2024
Explore AI Data Analytics
Explore AI
2023
Technical skills
Business intelligence
Power BI, Advanced Excel, Dashboard development, KPI and risk reporting
Data analysis
Python, Pandas, NumPy, Matplotlib, Statistical analysis
Databases
SQL
Credit risk and business
Portfolio monitoring (PAR, NPL, roll rates), Early warning signals, Risk segmentation, Economics and econometrics
Want to talk?
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