Data Scientist with over a decade of experience in Data Analytics, Credit Risk and Finance. I specialize in analyzing large datasets to extract data-driven insights, focusing on Business Processes Improvement, Product development, Credit Scorecard and Strategy Development, Credit Risk Modeling, Alternative Data (Non Traditional datasets) engineering and sourcing. I played a key role in collaboration with Safaricom Kenya in launching Kenya’s first 0% interest B2C and B2B loan products—FARAJA and FANAKA—by creating a proprietary credit scorecard and strategy that leverages alternative (nontraditional) credit scoring data. This initiative led to single-digit Non-Performing Loans (NPL). Currently, I am dedicated to building credit scoring models and AI solutions to serve the unbanked and underserved populations in Ethiopia. My goal is to address complex business challenges through data sourcing, analytics, and algorithms, driven by my passion for machine learning and AI.