Romanus NEHONDO - MBA FINANCE

• Lead financial reporting, budgeting, and profitability analysis across multiple product lines, including detailed gross margin evaluations for each work stream. • Implemented internal controls and variance analysis tools to track performance against plans, improving financial decision-making. • Reduced operational costs by 18% through supplier negotiations and efficiency initiatives, directly improving unit economics. • Processed payroll for all staff and managed employee contracts, ensuring compliance with labor laws and statutory deductions. • Oversaw day-to-day operations, including supply chain coordination, inventory management, and production planning. • Implemented and monitored internal controls to reduce operational inefficiencies and minimize financial and compliance risk. • Prepared and submitted tax filings, ensuring adherence to KRA deadlines and accurate VAT, PAYE, and withholding tax reporting. • Conducted periodic risk assessments, identifying process vulnerabilities and recommending mitigation strategies. • Handled statutory audits and regulatory inspections, ensuring full compliance with applicable accounting and labor regulations. • Recruited, onboarded, and appraised employees, fostering a performance-driven culture and aligning HR strategies with business goals. • Liaised with external stakeholders, including banks, auditors, vendors, and government authorities for financial and operational matters. Key Achievements • Reduced operational costs by 18% through process optimization and better supplier contract negotiations. • Improved payroll accuracy to 100%, eliminating errors and late salary payments by automating the payroll system. • Increased receivables collection efficiency by 25% by introducing a structured follow-up system and aging reports. • Implemented a risk control framework, reducing internal control breaches and improving audit outcomes.

Key Contributions and Achievements: • Design and create meaningful data visualizations to report and communicate insights. • Collect and assimilate data from multiple sources both internal and external. • Perform exploratory analysis to identify patterns and insights in the data. • Develop ETL processes to facilitate the movement of data between systems. • Led data collection, cleaning, and analysis initiatives across multiple departments, improving data accuracy by 95% and streamlining reporting processes. • Implement and deploy models using predictive analytics to forecast outcomes. • Work with and present analytics to clients or stakeholders. • Translate complex data-driven analysis into simple, easy-to-understand insights. • Support data integrations, cleansing, and quality solutions. • Create and maintain data dictionaries and other forms of metadata. • Automate data processes to ensure timeliness, accuracy, and scalability. • Utilize technologies such as statistical and graphical tools to drive data insights. Achievements: • Used financial forecasting to reduce risks by 60% thus saving the company Kes 50 million • Implemented new reconciliation procedures using Excel and power BI to cut time and costs by 50% • Produced reports and made changes with the results in mind thus giving supplier statements in real time • Evaluated petty cash accounts and the accounts payable and reduced the payments and saved Kes 2 million.

Managed the team that achieved these key results: • KES 80 million cumulative sales on Ziara promotion platform from statistical analysis support. • KES 30 million additional sales on SME segment from scientific leads generation. • Highest monthly sales of KES 5 million in July 2022. • Generated 5424 leads and opportunities to sell to new customers on Ziara Website using predictive analysis. • Developed machine-learning models to capture suspicious transactions among customers and track an almost real-time fraud. • Identified homogenous Retail customer groups that share similar transactional behavior for better product proposition • 53 manual reports were identified and over 45 of these were optimized and automated into 22 reports accessible via our reporting platforms. • Training on how to access these reports on the implemented reporting tools for AML and enhanced CDD conducted for impacted business units. • Responsible for AML reporting Daily/Weekly/Monthly reporting of actuals and comparison to forecasts by region, customer and product through dashboards, write-ups, charts, graphs, etc. • Supporting the sales team through analyzing and challenging forecasts and related assumptions. • Provide ad hoc financial analysis including business deals, industry trends, market analysis, forensic audits etc. • Support ad hoc requests from executive management and senior staff as needed - could include Quarterly Business Review decks, analysis for Earnings, staffing/spending analysis, etc. Other responsibilities: Data Science Use cases done in python: • Fraud detection – Random Forest model • Customer Segmentation – K-means clustering model • Customer Ranking – (RFM) – Recency, Frequency and Monetary value model • Customer Scoring – Credit Risk model • Customer Churn prediction – XGBoost model • Time Series analysis – ARIMA model • Sales Forecasting – (LSTM) – Long Short-Term Memory model • Financial Modeling: Long range Modelling for out-years and variance analysis.

Key Contributions and Achievements: • Oversee and manage all operations within the branch. • Implement branch audit to ensure compliance with external auditors. • Automation of corporate, retail, business banking and SME balance sheet using SQL and Tableau. • Automation of corporate, retail, business banking and forex analysis using Google analytics and Power BI. • In charge of ensuring AML reports are done in time to ensure compliance at COB. • Supervised employees and assessed performances to determine training needs and define accurate plans for decreasing process lags. • Supervised the risk management processes at the branch level and ensured compliance. • Training of emerging trends in AML and KYC to all staff as refreshers thus streamlining operations. • Aided senior leadership during executive decision-making processes and generated daily reports to recommend corrective actions and improvements. • Assumed ownership over team productivity and managed work flow to meet or exceed quality service goals. • In charge of Electronic banking system (BOAweb) at the branch ensuring customers get seamless services and maximum support in line with CBK prudential guidelines. Achievements: • Steered the branch to be the highest forex earner countrywide in the years 2013 – 2018 by enrolling NGO’s. • Created a system for detecting frauds through call backs and enhanced KYC and prevented 3 attempted frauds in a span of 6 months. • Designed an excel sheet for ease of reconciliations for effective recoveries of loans and easier account monitoring. • Successfully created an automated tracking report to for loans from application to disbursement using SSRS • Successfully created a performance tracker through weighting of different products with different functions like Retail, Business Banking, SMEs. • Ensured an improved and sustained increase in productivity in the department evidenced by increased Active Capacity Management per employee and reduced idle time by 40%.

Achievements: • Leveraged fair evaluation processes, employee reviews and staff mentoring to drive performance and job satisfaction at all levels. • Spearheaded daily staff meetings to identify improvement strategies, discuss policy updates and facilitate open communication. • Set, enforced and optimized internal policies to maintain efficiency and responsiveness to demands. • Increased profit margin by 20% by successfully negotiating development costs with overseas vendors and supplies. • Supervised operations team to support operational excellence and excellent customer service.

Achievements: • Exceeded quarterly sales goals by 112%. • Created strategies to develop and expand sales of services to existing customer which resulted in 85% increase in annual revenue. • Volunteered for extra shifts during holidays and other busy periods to alleviate staffing shortages. • Assisted customers with setting up or closing accounts, completing loan applications and signing up for new services. • Eliminated downtime and maximized revenue by providing top project quality control.

-Scanning of Outward Cheques for clearing -Clearing Cheques at the Clearing house -Processing of Inward Cheques -Paying and Unpaying of Cheques -Bankwide ATM reconcilliations -Internal transfers -Submitting Clearing figures to CBK and remitting the funds to CBK

Corporate finance Human resource Management, Financial Management Advanced Statistics

Pure Mathematics (Real algebra, Topology, Rings and modules) Statistical Mathematics (Advanced statistics, Regression analysis) Applied Mathematics (Calculus, Vector analysis,Numerical analysis)