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

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.

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.
• 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.

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.