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Fredy Kuja has a diverse work experience in the credit management field. Fredy is currently the Head of Credit at Ramani.io since July 2021. Prior to that, they worked at Simusolar, Inc. from February 2020 to September 2021, where they held multiple roles including Credit Manager and Credit Analyst. In these roles, they were responsible for managing a team, underwriting new clients, overseeing credit portfolios, and providing reports on loan performance. Before joining Simusolar, Inc., Fredy worked at EFC Tanzania Microfinance Bank Limited as a Credit Risk Manager from April 2017 to October 2017. Their responsibilities included preparing credit portfolio reports, developing security assessment tools, and ensuring compliance with regulatory requirements. Fredy also worked at Exim Bank (Tanzania) Limited from October 2013 to April 2017, where they held positions as a Senior Credit Analyst and Credit Analyst. In these roles, they prepared credit analysis papers, conducted site visits, and discussed loan proposals with clients. Overall, Fredy Kuja has a strong background in credit management, risk assessment, underwriting, and portfolio management.

Fredy Kuja, CBCA™, has a strong education history in the field of banking and finance. In 2012, they began their studies at The Institute of Finance Management (IFM) and completed their bachelor's degree in Banking and Finance in 2015. In 2020, Fredy attended the Corporate Finance Institute® (CFI) and obtained their Certified Commercial Banking and Credit Analyst, CBCA™, with a specialization in Credit Analysis.

In addition to their formal education, Fredy has also acquired various certifications to enhance their skills and knowledge. In 2020, they obtained certifications in account monitoring and warning signs, building a 3-statement financial model, business writing fundamentals, completing a credit application, credit administration and documentation, financial analysis fundamentals, loan covenants, loan security, and the 5Cs of credit from the Corporate Finance Institute® (CFI). Fredy also completed training on LinkedIn Learning in topics such as LinkedIn Learning Highlights: Business Strategy and Analysis, Rules for Rising Leaders, Bill George on Self-Awareness, Authenticity, and Leadership, Humble Leadership: The Power of Relationships, Openness, and Trust (getAbstract Summary), Dealing with Difficult People in Your Office, Developing Credibility as a Leader, Job Skills: Learning the Basics, and Sheryl Sandberg and Adam Grant on Option B: Building Resilience.

Most recently, in 2021, Fredy received certifications in The Power of Lists to Get Stuff Done and Prioritizing Tasks for Maximum Impact from LinkedIn.

Overall, Fredy Kuja, CBCAâ„¢, has a strong educational background in banking and finance, complemented by additional certifications in various areas of professional development.