Power BI · Data Analysis
Credit analysis, Level 1: loan portfolio health check
A first look at the health of a loan portfolio: how much risk there is, where it is concentrated and which segments need attention first.
- Power BI
- PAR 0 to 90+ monitoring
- 15% recovery improvement
Available for opportunities
Hi, I'm Adekunle Okunade
Data Analyst and Certified Data Protection Officer
I turn complex data into decisions businesses can act on.
I am a Data Analyst with 5+ years in fintech credit risk. I combine SQL, Python and Power BI with an economics background to show organisations how their portfolio is really performing, and what to do about it.
Based in Lagos, Nigeria
- 5+ years
- analysing loan portfolios in a high-volume fintech lender
- 15%
- improvement in recovery performance through data-led strategy
- MSc Economics
- University of Lagos, 2025
- 6 certifications
- including Certified Data Protection Officer, Google Data Analytics and IBM Data Science
Selected work
Projects built around real business questions
Each project starts with the problem, then shows the analysis and what it meant for decisions.
Power BI · Business Intelligence
Maji Ndogo: water access, queues and safety
Who has safe, reachable water, how long do people wait for it, and what does it cost them in safety? A Power BI report on a national water survey, with a recommendation for where to act first.
- Power BI
- Excel
Power BI · Business Intelligence
NaijaStock sales and distribution dashboard
Give a distribution company's executives and its product, warehouse and procurement teams one consistent view of sales performance.
- Power BI
- DAX
- Excel
- Data modelling
What I do for organisations
Analyse. Visualise. Solve.
01
Analyse
I track delinquency across PAR buckets, roll rates and non-performing loans, and look for the repayment patterns that show up before a default.
02
Visualise
I build Power BI dashboards and Excel reports that show portfolio health, delinquency migration and recovery efficiency in one place.
03
Solve
I turn findings into decisions: how to segment customers, where to focus recovery effort and which risk controls to tighten.
Skills and tools
The toolkit, grouped by what it is used for
Excel and Power BI for reporting, SQL and Python for the analysis underneath.
Business intelligence
- Power BI
- Advanced Excel
- Dashboard development
- KPI and risk reporting
Data analysis
- Python
- Pandas
- NumPy
- Matplotlib
- Statistical analysis
Databases
- SQL
Credit risk and business
- Portfolio monitoring (PAR, NPL, roll rates)
- Early warning signals
- Risk segmentation
- Economics and econometrics
Featured case study
NaijaStock sales and distribution dashboard
A Power BI capstone project for the Techlytics Institute of Technology and Innovation (NECA-ITF Technical Skills Development Programme, AI-Augmented Data Analytics). The case study is NaijaStock Distributors Ltd, a Nigerian distributor of packaged foods, beverages and household products that sells through warehouses in Lagos, Ibadan, Kano, Port Harcourt and Abuja.
- Build one consolidated Power BI report from the sales transaction records.
- Give the executive team an overview page for any period, region, category or warehouse they choose.
- Give product and category managers a page showing how individual products and categories behave over time.
- Give operations managers a page comparing warehouses against each other and against their own past performance.
- Power BI
- DAX
- Excel
- Data modelling
Latest videos
Quick tutorials on YouTube
Short, practical Excel and analytics tips.
Excel Pro Tips: How to Randomly Assign Groups in Excel – Simple and Fast Method! 🔄📊
Need a quick and efficient way to randomly assign groups in Excel? Whether you're organizing team projects,...
How to Insert Country Flags in Excel Cells – Quick & Easy Tutorial!
Want to make your Excel sheets more visually engaging? Learn how to easily insert country flags directly into...
Excel Pro Tips and Tricks: Data Entry Made Easy
Discover the ultimate tips for mastering data entry with this quick and impactful tutorial! Whether you're a...
Excel Pro Tricks: Transform Full Names into Initials with Flash Fill Shortcut
Learn how to use Excel’s Flash Fill to quickly change full names into names and initials in just 60 seconds!...
Learn with me
Articles and templates for analysts
Insights
Tutorials on SQL, Python, Power BI and Excel. New articles are added regularly.
Open insightsExperience
Five years inside a fintech lending business
Sept 2022 to present
Senior Team Lead, Credit Performance & Risk Analytics
Singularity Technology Nigeria Limited, Lagos
Monitors loan portfolio performance across delinquency buckets, builds Power BI dashboards for portfolio health, roll rates and recovery, and turns the analysis into customer treatment and risk control decisions.
Sept 2021 to Aug 2022
Team Lead, Collections & Risk Monitoring
Singularity Technology Nigeria Limited
Tracked repayment behaviour across delinquency stages, identified high-risk customer segments and produced weekly and monthly portfolio reports.
Aug 2020 to May 2021
Loan Recovery Analyst
Singularity Technology Nigeria Limited
Analysed customer payment patterns to identify default risk and improve recovery strategies.
Education
MSc Economics
University of Lagos, 2025. Econometrics, forecasting and statistical modelling.
BSc Economics
University of Lagos, 2023.
Certifications
IIM Certified Data Protection Officer
Institute of Information Management (IIM)
2026
McKinsey Forward Program
McKinsey & Company
2023
Google Data Analytics Professional Certificate
Google
2023
IBM Data Science Specialization
IBM
2023
Explore AI Data Science
Explore AI
2024
Explore AI Data Analytics
Explore AI
2023
Need your business data turned into something your team can use?
I build dashboards, reports and analyses that show how performance is really tracking, so decisions are made on evidence.
Hiring, or have a project in mind?
Send a short message and I will reply with next steps.