Isaiah Mark Ilori

NorthPay – Commercial Data Solutions R&D

Engineered bespoke reporting and margin intelligence tools to model real-time fee structures across acquiring partners, optimising strategic pricing and forecasting merchant profitability.

Led R&D on dynamic margin calculators using Python, enhancing real-time stakeholder decision-making with predictive insights on costs and terminal ROI.

Collaborated with multi-function teams (dev, ops, compliance, sales, c-suite) to turn multi-pronged business requirements into deployable, data-driven tools that improve cost-efficiency and user experience at scale.

Designed scalable data models to monitor settlement behaviour, transaction risk profiles, and cashflow exposure across 1000s of merchant endpoints.

Deployed automated pipelines to collect, clean, and visualise transactional data for investor and internal reporting, with version control via Git and integrated CI/CD.

CrediBull. – Applied Data Science in Credit & Risk

Built credit eligibility algorithms combining open banking data, transaction history, and affordability checks to support responsible lending across underserved demographics.

Applied statistical modelling and rule-based systems to identify behavioural repayment trends and flag potential fraud patterns pre-approval.

Developed backend ETL processes to unify KYC, credit reference, and repayment performance data, ensuring analytical readiness and FCA compliance.

Piloted early-stage scoring logic and performance forecasting models to inform credit limit decisions and long-term financial product development.

Automated the generation of dashboards and stakeholder reports summarising portfolio risk, repayment deltas, and user cohort metrics.

• Engineered data automation processes to streamline report delivery and integration across multiple client platforms.
• Integrated Python scripting with BI tools to automate dashboard and report processes.
• Developed workflows leveraging Delta Lake and Databricks to streamline data extraction and enrichment.
• Implemented Bash scripts to efficiently handle SFTP data exchanges.
• Implemented best practices for Git version control, focusing on branching and pull requests.

• - Created custom Python automations for migrating reports, merging fragmented datasets, and enhancing Power BI dashboards.
• - Reduced analyst workload by over 70% through automation of daily/weekly reporting tasks, including stakeholder-ready distribution.
• - Built logic for consolidated data layers that supported consistent insights across sales and policy data.
• - Coordinated directly with ops and finance teams to translate needs into automated, scalable workflows.