Joy Kendi
Risk & Compliance Analyst at Middle East Bank (K) Limited
Risk Management at Strathmore University
Kenya
Hi, I'm Joy Kendi!
Risk & Compliance Analyst at Middle East Bank (K) Limited
Graduate Student in Mathematical Finance and Risk Analytics with a background in Actuarial Science and hands-on experience in financial modelling, risk analytics, and revenue optimization within banking environments. Demonstrated ability to design and implement data-driven solutions that enhance operational efficiency, reduce risk exposure, and support financial inclusion objectives. Strong analytical background with hands-on experience in developing automated systems that directly contribute to institutional sustainability and regulatory compliance.
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Experience
Middle East Bank (K) Limited
Risk & Compliance Analyst
September 2025 - Present
Conduct enterprise-wide risk identification and assessment across operational, credit, market, credit, liquidity, strategic, and reputational risk categories in compliance with the Central Bank of Kenya Capital Adequacy Assessment requirement.
Developing and implementing bank compliance policies, procedures, internal controls, and AML/CFT frameworks. Including the monitoring and reporting of suspicious activity in line with the AML/CFT regulations.
Designed and implemented revenue assurance models to test the efficiency and accuracy of interest income and interest expense, identifying discrepancies and strengthening the integrity of the bank’s income statement reporting.
Monitoring changes in legislation, ruling given on bank-based cases, and translating CBK rulings and industry guidance into the Bank’s actionable internal policies.
Leverage quantitative models built previously to strengthen the accuracy and efficiency of ongoing risk reporting.
Middle East Bank (K) Limited
Management Trainee
September 2024 - September 2025
Engineered an automated risk calculation model for liquidity metrics and stress testing, reducing manual processing time by 60% and eliminating calculation errors in regulatory reporting.
Led research and supported the implementation of Green and Women SMEs lending frameworks, aligning institutional strategy with ESG objectives and Central Bank of Kenya sustainability guidelines.
Redesigned the reporting structure of monthly and quarterly reports, streamlining report outlook and appearance.
Designed and implemented a comprehensive loan repayment model for real-time repayment estimations, improving system efficiency by 35% and enhancing portfolio performance capabilities.
Developed an automated revenue tracking tool using R Programming that monitors interest credited to customers, eliminating 90% of revenue leakage while strengthening customer trust and regulatory compliance.
Developed an automated account reconciliation model, hereby reducing paper wastage by 40% and processing time by 25% contributing to operational efficiency and cost reduction.
AFYA Sacco
Internship
May 2023 - August 2023
Collaborated with accounting teams to develop financial projections and cash flow models using advanced mathematical techniques, supporting strategic planning for member growth and loan portfolio expansion.
Organized and analyzed member account data, savings patterns, and loan repayment trends, providing insights that informed lending policy adjustments for improved portfolio performance.
Utilized statistical analysis to identify potential risks in loan portfolios, contributing to enhanced credit risk management practices.
Education
Risk Management
Strathmore University
Graduating in 2027
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Languages
English
Native
Swahili
Native
Skills
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