Raymond Baluku

• Data Oversight - Ensure Quality, accurate, and timely credit data submissions.
• Stakeholder/client Management -Maintain strong relationships with stakeholders and support their use of CRB services.
• Reporting and analytics- Analyze data and generate credit performance reports.
• Compliance- Ensure operations meet legal and regulatory requirements.
• Product support-Provide input for improving CRB products based on client Needs.
• Training- Educate clients/ business stakeholders on systems, data processes and credit risk tools.

• Data Collection and Management: Gathering Data: Collect and aggregate data from various sources, including credit reports, financial statements, and transaction records.
• Ensuring compliance with laws and regulations. Spearheading data privacy and protecting consumer rights.
• Data Cleaning and Validation: Ensure data accuracy and completeness by identifying and correcting errors or inconsistencies.
• Supplying credit data to stakeholders. Send data to the bureaus and the regulator within deadlines.
• Predictive Analytics:Forecasting: Use advanced analytical techniques to forecast future credit risk and financial performance based on historical data.
• Collaboration and Consultation:Working with Teams: Collaborate with other departments, such as risk management, finance, and customer service, to align credit reporting risk strategies with overall business goals.
  Consulting: Provide expertise and advice on credit risk-related issues and contribute to strategic decision-making.
  
• Technology and Tools:Software Utilization: Utilize various analytical tools and software, such as SQL, Excel, Python, to analyze and interpret credit data.
  System Improvements: Identify opportunities for improving data analysis processes and integrating new technologies.
  

• Ensuring the quality and accuracy of the data. I achieve this through reference to the Data submission Manual (DSM) and Data validation Rules tool.
• Processing, designing, and presenting the data in useful ways. Applying systematic
• Dispute management. Engaging all Bureaus and other stakeholders to resolve internal and external customer disputes.
• Interpreting and analyzing the data using statistical techniques.
• Monitored data security protocols to protect sensitive information from unauthorized access.

1.Policy Underwriting

• Risk Assessment: Evaluate applications for insurance coverage by assessing risks and determining the terms and conditions of policies.
• Decision Making: Decide whether to approve or reject insurance applications based on risk analysis and company guidelines.

2. Client Interaction

• Customer Service: Assist clients with inquiries, provide information about insurance products, and explain policy terms and conditions.
• Consultation: Advise clients on suitable insurance options based on their needs and circumstances.

3. Policy Management

• Issuance: Process and issue insurance policies once they have been approved.
• Renewals: Handle policy renewals, ensuring that terms are updated as necessary and that clients are notified of any changes.
• Modifications: Make changes to existing policies, such as updating coverage or adjusting premiums.

4. Claims Processing

• Claims Assessment: Review and investigate insurance claims to determine validity and the amount of compensation.
• Coordination: Work with claimants, adjusters, and other stakeholders to facilitate the claims process.

5. Regulatory Compliance

• Adherence: Ensure that all insurance practices comply with relevant laws and regulations.
• Documentation: Maintain accurate records and documentation for auditing and compliance purposes.

6. Market Research and Analysis

• Product Development: Assist in developing new insurance products by analyzing market trends and customer needs.
• Competitive Analysis: Monitor competitor offerings and industry trends to ensure the company's products remain competitive.

7. Sales and Marketing

• Promotion: Promote insurance products to potential clients through various channels, including face-to-face meetings, phone calls, and digital marketing.

• Managing social media, professionally responding to customers on social media at response rate of 99% and response time of 4 minutes.
• Proactively monitoring ATM and payment dashboards generating daily reports that are shared with management for smooth business operation.
• Receiving and resolving customer complaints received through calls, emails, social media and other platforms in a timely and professional manner.
• Negotiated resolutions in challenging situations, balancing customer satisfaction with company policies.
• Fostered positive customer relationships through attentive listening and clear, respectful communication.
• Participated in regular team meetings to discuss performance metrics and set goals for improvement.
• Maintained up-to-date knowledge of industry developments and company policies to provide accurate information.
• Managing social media, professionally responding to customers on social media
• Managing customers’ expectations by providing timely solutions to their complaints and queries using the backbone of Africanacity and escalating where necessary.
• Identifying potential customer/leads from existing and non-existing base and offering them alternative products they may be interested.
• Logging and Resolving all Customer complaints and queries received through the various platforms.
• Sending emailers, sms notifications/alerts to customers advising them of updates and resolution status of their complaints/queries.
• Updating customer information on account such as change of mobile contact, email and/or address.
• Proactively monitoring ATM and payment dashboards generating daily reports that are shared with management for smooth business operation.

• Conducting a medium and low risk review on applicants.
• Identify information gaps as per minimum National Identification standards.
• Contacted applicants notifying of information gaps so as to obtain missing information.
• Update information obtained in the National data system.