Temi Sodipo

Financial Risk & Fraud Operations Executive

Building systems that protect, scale, and recover value.

End-to-end credits and payments lifecycle capability spanning underwriting, collections, and recovery. Fraud controls and AI governance embedded into operational decisions.

Organisations worked with

Full
Risk value chain ownership
AI+
Governance-first automation
Payments
End-to-end lifecycle coverage
SQL/Py
Hands-on analytical decisioning
Underwriting Collections Fraud Detection Behavioural Modelling AI Governance Regulatory Policy Credit Recovery Risk Decisioning Payments Strategy Fraud Rule Writing Underwriting Collections Fraud Detection Behavioural Modelling AI Governance Regulatory Policy Credit Recovery Risk Decisioning Payments Strategy Fraud Rule Writing

Owning the full risk
value chain end-to-end.

01
Policy
Risk appetite defined, documented, and enforced consistently across all decisioning layers.
02
Decisioning
Approve the right customers. Detect the wrong ones early. Automate where measurably safer.
03
Field Execution
Clear playbooks, measurable KPIs, and practical actions for frontline and support teams.
04
Recoveries
Recover value efficiently when outcomes deteriorate, with collection strategies tied to behavioural data.
05
Feedback Loops
Continuous learning between model performance, operations, and policy. Risk drift surfaces early.
Growth + Protection

Operating Models

Build structures that balance revenue growth against credit and fraud exposure. Not one or the other.

AI-First

Governance Mindset

Adopt machine learning where it is demonstrably safer, faster, and more measurable. Accountability explicit from day one.

Control-Aware

Design Over Intention

Fraud and credit loss are operational realities driven by process gaps. Strong design and monitoring outperform best intentions.

Recent analytical
and strategic work.

01
Modelling Delinquency & Roll-Rate Prediction
02
Fraud Fraud Detection & Rule Architecture
03
AI AI Underwriting Strategy with Operations Lens
04
Regulatory Regulatory Policy Translated to Operations
01 Modelling
Behavioural
Delinquency & Roll-Rate Prediction

Predicting and managing outcomes across the credit journey. Delinquency risk, roll-rate movement, and cure likelihood converted into operational actions and policy thresholds that frontline teams can act on.

Python Cohort Analysis Policy Thresholds
02 Fraud
Strategy
Fraud Detection & Rule Architecture

Detection, prevention, and response spanning rule logic design, threshold tuning, and escalation flows. Reduced loss while actively managing false positives and customer friction.

Rule Writing Threshold Tuning False Positive Mgmt
03 AI
Underwriting
AI Underwriting Strategy with Operations Lens

Ensuring underwriting innovation is deployable, monitorable, and explainable enough for governance. Treating models as living systems requiring drift monitoring and accountable ownership structures.

Model Governance Drift Monitoring Explainability
04 Regulatory
Policy
Regulatory Policy Translated to Operations

Building rules, procedures, documentation, and reporting that stand up to scrutiny. Strong data governance expectations for accuracy, integrity, and board-level oversight.

Documentation Data Governance Board Reporting

Want to chat?

Let's talk through your risk,
fraud, or payments challenge.

Purpose-built for
risk & fraud operations.

Extracting reliable data, analysing it quickly, and converting it into decisioning logic, monitoring, and operational controls. Every tool chosen for measurable outcomes.

SQL
Portfolio cuts, cohort views, roll-rate tables, fraud trend monitoring
Python
Behavioural modelling, rapid experimentation, repeatable reporting pipelines
Fraud Rule Writing
Velocity patterns, identity consistency, behavioural anomalies, channel abuse
Predictive Modelling
Decisioning quality, detection improvement, governance-aware ML adoption
Dashboards & Monitoring
Exception reporting, performance reviews, making risk and fraud drift visible early
About

Executive risk leader.
Analyst at heart.

  • Bridge executive-level strategy with hands-on analytical decisioning and operational execution. 01
  • Build operating models that balance growth and protection consistently, not just in documentation. 02
  • Control-aware worldview: fraud and credit loss are operational realities, driven by process gaps. 03
View LinkedIn profile
Risk Policy Design Fraud Detection Credit Underwriting AI Governance Collections Strategy Payments Operations

Start a conversation

Got a problem worth
talking through?