Kandenga Andy Mbuyi Email & Phone Number

Greater Chicago Area

Lead origination strategy design, monitor portfolio health and mitigate key risks for premium captive finance with $3 Billions in sales, $6 Billions receivables and 400K loan application volume• Piloted approval strategy combining credit scores and application attributes within thin file segment, resulting in 1K incremental approvals and adoption in standard program• Deep dive and optimization of referral policies resulting in 200bps increase in auto approval rate• Continuous improvement approach reduced ten hours of adhoc requests with design of waterfall report to quantify the approval impact of credit quality, manual and automated strategies changes• Leveraged versatility of TABLEAU to improve reporting and analytical output with dynamic visualization and addition of P&L assumptions needed for segmentation analysis• Incorporated premier attributes in subprime segment to simplify underwriting strategy, reduce operational complexity and increase approval rate by 30 bps• Adequate combination of credit lines /approval rate decrease following oil industry recession to reduce loss by $1.7Millions annually

Greater Chicago Area

Evaluated consumer and commercial program’s health, key risks and propose mitigation. Rotation to Partner-Driven lane to optimize marketing efforts and handle merchant requests• Supported risk origination, financial valuation and marketing analytics for main PLCC programs with $2Billion Outstanding by monitoring, optimizing risk/return equation within Home improvement vertical. • Challenged risk assumptions, identified growth in acquisition channel with improved credit quality and higher yield that justified 1,000Bps approval rate expansion and removal of ineffective policy modules.• Simulated P&L, proposed competitive pricing for new product demand from retail commercial clients.• Tracked policy alignment with corporate commercial guidelines to explain mitigation impact to business, corporation and government loan applications.• Analyzed greeters campaign that led to pilot roll out expected to increase application four folds during test.• Evaluated the leverage of merchant store purchase(CRM) data to optimize Life Cycle Campaign and sized opportunity of $300 MM of ‘high ticket’ purchases made by customers with marketable tenders. • Proposed alignment of promotion and rebate calendar to result into $50MM+ incremental sales annually.• Designed Reg. Z compliant policy for Direct Mail campaign to support partner’s 10% organic growth. • Developed thirty days technical and business curriculum resulting in faster transition for associates.

Mettawa, Il And Bridgewater, Nj

Senior Credit Risk Analyst - 2011 to 2012. Promoted to Support front end credit risk management efforts for Menards/ Furniture programs with $3Billions outstanding loans. Credit Risk Analyst - 2006 to 2011. Supported credit risk management for Powersport programs with $2Billions outstanding. Monitored the impact of credit policy and procedures for retail applications.• Converted five portfolios to new scorecards while maintaining approval or loss rates neutral.• Validated loss assumptions, proposed 300bps expansion to retain commercial partner in RFP stage.• Enhanced policy for regulatory compliance, growth and loss mitigation across all economic cycles.• Simulation of $80MM losses exposure led to reserve funding prior to merchant bankruptcy filing.• Forecasted $40MM losses/$100MM ‘toxic’ outstanding runoff and proposed preventive settlement plan.• Implemented geographical Underwriting for loss mitigation in high risk states • Developed application report, essential for program lead, senior management and regulators oversight.• Supported compliance with BASEL Pillars, Dodd Frank and ‘Ability-to-Pay’ for internal and Federal audits.• Led discussion forums to improve cross functional learning for analyst community.

Buffalo/Niagara, New York Area

Internship with analytics team supporting $5 Billion of Indirect Auto, Boat and RV loans with $40 Million in annual charge-offs.▪ Utilize forecasting model to identify segment with increasing default risk.▪ Responsible for managing database that monitored collateral value in the Indirect Auto Portfolio.▪ Performed auto loan reviews to monitor incoming credit quality and identify inconsistencies within the implementation of underwriting policies.▪ Produced dealer scorecards for 3,000 third-party clients to allow the bank to prioritize lending effort. ▪ Successful programs led to improved origination volume by identifying major dealer groups.▪ Effort to boost origination volume increased balance for qualified dealer groups by 10 percent or $20 Million dollars annually