Darcy Ishimwe Bigaju
kigali
Summary
I am an Economics major with more than 4 years of experience in Banking and Distribution industries where I am currently in credit Risk analysis at Equity Bank Rwanda Plc; I previously have done Sales and relationship management for BPR Bank and Salvo Grima Rwanda with responsibilities including but not limited to recruiting and managing customers, Analyzing, Preparing and processing Loan applications. I am Hard-working, Customer-oriented, Performance-driven with Financial, Analytical, Computer and Communication skills.
Overview
6
6
years of professional experience
8
8
Certifications
Work History
CREDIT ANALYST
Equity Bank Rwanda Plc
10.2024 - Current
- Conducted in-depth quantitative analysis to assess credit worthiness (financial and account performance analysis) for individuals and businesses
- Conducted a thorough qualitative analysis of loan applications
- Ensured compliance to both internal policies and external regulations
- Improved TAT with the agreed SLAs by providing in time and sound credit decisions
- Ensured Quality and clear credit appraisal papers for recommendation to credit committee
- As a member of HOCC (loan < RWF 300M), I contributed to every day’s decision making for retail and MSME loans below RWF 300M exposure
- Provided swift and quality recommendation to everything risk related (security releases, facilities extension, restructure and MacForward)
- Contributed to new product development to ensure smooth operation at the time of inception
- Provided regular reporting to ensure accountability and regular communication to stake holders
Sales & Marketing officer
Salvo Grima Rwanda
09.2023 - 10.2024
- Growing client Base by recruiting new retailers
- Marketing and promoting existing and new products for market success
- Record, maintain and present all sales data
- Creating periodic department reports
Business Banker
BPR BANK Plc
03.2022 - 03.2023
- Expanding the Bank’s loan portfolio
- Expanding the bank’s Deposit portfolio
- Recruiting new clients to Increase the Bank’s Customer Base
- Analyzing, Preparing, Processing loan application
- Selling and Enrolling clients in Alternative channel utilization (Cards, Mobile & Internet Banking)
- Monitoring and keeping non-performing loans below the set target
- Managing and maintaining existing clients for current and future business deals
- Prepare and present Business banking reports for Performance, Credit risk and Audit
Direct Sales Officer
BPR BANK Plc
11.2021 - 02.2022
- Selling Bank Accounts to new clients
- Activating Inactive Accounts for clients
- Enrolling existing client in Digital banking systems
- Recommending and explaining banking services and products to clients based on their needs.
- Work with other teams for cross-sell products
- Provide inputs and feedback to the Business department
Intern
Kicukiro district office
08.2019 - 10.2019
- Preparing the department’s report to the district’s management
- Assisting preparations of performance contracts (Imihigo)
- Assisting in preparation of work/meetings between the district and its sub entities
- Assisted the district customer services
- Planning, monitoring and evaluation department
Education
Bachelor of Science - Economics with a major in Monetary economics
University of Rwanda
08.2020
Skills
Accounting: Preparation and analysis of financial statements
Qualitative and Quantitative analysis of credit application
Inter-personal skills: Risk analysis/opportunity identification, Negotiation/Sales, Problem-solving, Team work and collaboration
Computer: Highly proficient in the use of Microsoft Office Suite (Word, Excel, PowerPoint), Mac and Windows
Macro-economic framework: E-Views, and STATA
Languages: Fluent in English, French and Kinyarwanda
Certification
Association Internationale des Etudiants en Sciences Economiques et Commerciales (AIESEC), Kigali, Rwanda June 2017 – June 2019
References
- Nkundimfura, Yves, Senior Manager Corporate Banking, cliftonyves@gmail.com, +250788 4482 848, Bank of Kigali (BK)
- Mucyo, Shaffy, Financial and compliance auditor, mucyoshaffy@gmail.com, +250 0788 350 199, National bank of Rwanda (BNR)
- Ivan, Hirwa, Monitoring and Evaluation specialist, Ivan.hirwa@minecofin.gov.rw, + 2 5 0 788 516 909, Ministry of Finance (MINECOFIN)
Timeline
CREDIT ANALYST
Equity Bank Rwanda Plc
10.2024 - Current
Sales & Marketing officer
Salvo Grima Rwanda
09.2023 - 10.2024
Business Banker
BPR BANK Plc
03.2022 - 03.2023
Direct Sales Officer
BPR BANK Plc
11.2021 - 02.2022
Intern
Kicukiro district office
08.2019 - 10.2019
Bachelor of Science - Economics with a major in Monetary economics
University of Rwanda