About - Yvette's Portfolio

About Me

Making data talk

Turning data into outcomes

About Me

Over 5 years turning complex data into actionable insights and measurable outcomes across tech, fintech, and banking:

Business Impact - Having achieved 20% reduction in delinquency, 25% improvement in collection rates, and 18% growth in portfolio yield while driving expansion across customer base, product adoption, and revenue performance. Increased customer satisfaction by 28%, cut response times by 60%, and strengthened fraud detection through real-time transaction monitoring and anomaly detection.

Leadership & Execution - Lead cross-functional teams to identify analytical trends, align strategies across Credit, Operations, Marketing, Business Development, Finance, and Product, and drive execution with technical expertise in Python, SQL, and BI tools.

Beyond Corporate -Advise on ethical AI as a Kenyan delegate at Simuvaction of AI 2025 -2026 GPAI and lead predictive analytics for Medtronics Lab's community health initiative addressing critical gaps in hypertension and diabetes care. Provide tech and business consultancy in analytics, startup growth, and market expansion using data-driven strategies.

Machine Learning -Built loan management systems and developed ML models, including XGBoost, neural networks, supervised, unsupervised learning, and LLMs, evaluated with multiple metrics for credit scoring, risk prediction, and customer segmentation. Applied predictive analytics in health informatics to drive data-informed interventions in hypertension and diabetes care.

Software Development -Lead Agile development cycles and sprints with manual and automated testing. Built software systems that addressed diverse needs across multiple sectors and client services. Developed ERP platforms and custom web/mobile applications using C#.NET, AL (Dynamics 365), JavaScript, and React.js, delivering scalable, integrated solutions.

Experience

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Branch International | Present

Business Strategy & Analytics Lead (Promotion) Jan 2024 – Present

Lead stakeholder, project, and change management, delivering 95%+ on-time execution
Lead enterprise strategy, analytics, AI, and operations optimization across Credit, Product, Marketing, Finance, Payments, and Operations
Drive risk-based lending and portfolio performance: 20% lower delinquency, 25% better recovery, 15% yield growth
Build dashboards & real-time reports (Python, SQL, Power BI/Tableau, CRM analytics) for executive decision-making
Optimize operations & workflows, improving efficiency 15–25%, automating processes, enhancing SLAs and collections performance
Manage product & customer analytics: 15% lift in retention, 20% LTV growth, 12% CAC reduction
Oversee collections analytics and compliance, coordinating 12 agencies across Kenya & Tanzania
Oversee collections analytics and compliance, coordinating 12 agencies across Kenya & Tanzania
Align cross-functional KPIs to standardize performance and drive strategic decisions

Branch International | Jan 2022 – Jan 2024

Developed ML models for credit risk, fraud detection, anomaly detection, lending, and customer segmentation
Improved financial & operational performance: 16% cost reduction, 18% performance improvement
Improved financial & operational performance: 16% cost reduction, 18% performance improvement
Analyzed end-to-end operations (disbursement, repayment, servicing, collections) to reduce leakage and improve turnaround
Optimized marketing & acquisition analytics: +20% conversion, +8.2% ROI
Enhanced customer experience operations via journey, service, and chatbot analytics
Led cross-functional operational performance reviews to boost efficiency and mitigate risk

Dynasoft Business Solutions Ltd | Dec 2020 – Jan 2022

Software Developer | Implementer and Consultant

Built end-to-end loan management systems covering origination, credit assessment, scheduling, collections, and automated customer communications
Designed and deployed ML-based credit scoring and risk prediction models to estimate default risk, recommend credit limits, and optimize lending strategies
Developed enterprise ERP systems supporting Finance, HR, Procurement, Inventory, Collections, and Reporting using C#.NET, AL (Microsoft Dynamics 365 Business Central), and PostgreSQL
Created custom web and mobile applications integrated with ERP and core systems using React.js, Node.js, REST APIs, and HTML/CSS
Delivered scalable, regulation-aligned solutions tailored to client policies and financial compliance requirements
Performed manual and automated testing (Selenium, Postman) and supported Agile/Scrum delivery through sprint planning, reviews, and releases