Conversational Banking
A real-time AI chat platform delivering intelligent, natural-language banking interactions — enabling customers to query, transact and resolve issues through conversational interfaces.
Hello, I'm
Francis Chanda Mumbi (MSc)
15+ years turning data into revenue. 32+ AI agents. K140M+ in data-driven income. I build the platforms, products and teams that make financial services faster, smarter and more human.
About Me
Digital Banking, Data & AI Executive driving enterprise transformation through intelligent platforms, payments ecosystems, and measurable commercial impact.
15+ years of experience leading large-scale transformation across financial services, spanning data platforms, AI, digital banking, and product innovation.
Known for building AI-powered financial platforms that scale revenue, efficiency, and customer experience across banking ecosystems.
View GitHub ProfileBusiness Competencies
Strategic Leadership
Enterprise transformation, Data & AI strategy, C-suite engagement, governance and large-scale programme leadership across financial services.
Digital Banking & Platforms
Digital banking delivery, payments ecosystems, platform architecture, core banking modernisation and API strategy at enterprise scale.
Data, AI & Technology
Machine learning & AI (GenAI, Agentic systems), enterprise data platforms, intelligent automation (RPA) and multi-cloud delivery across AWS, Azure and GCP.
Product & Commercial
Product strategy, pricing & revenue optimisation, data monetisation and customer experience innovation driving measurable commercial impact.
Analytics & Finance
Advanced analytics, financial modelling, risk & credit analytics and enterprise data governance including BCBS239/RDARR compliance.
Business Transformation
Leading enterprise-wide digital transformation programmes — from regulatory compliance initiatives to launching Zambia's first digital lending platform.
Technical Skills
Python
Data analysis, machine learning pipelines and scripting with NumPy, Pandas and scikit-learn.
R
Statistical computing, data wrangling and visualisation using tidyverse, ggplot2 and R Markdown.
JavaScript
Full-stack development using modern JS frameworks alongside D3.js for rich data visualisation.
Artificial Intelligence
Design and deployment of AI models, natural-language processing and intelligent automation.
Data Analytics
Budget performance analytics, financial modelling and interactive dashboard creation.
Data Engineering
Building data pipelines, ETL processes and storage solutions for large-scale datasets.
Software Architecture
Designing scalable, maintainable systems with a focus on clean code and best practices.
Product Management
Roadmap planning, stakeholder alignment and delivery of user-centred digital products from concept to launch.
Innovation Management
Identifying emerging opportunities, driving creative problem-solving and turning novel ideas into viable solutions.
Java
Enterprise application development, object-oriented design and building robust, scalable backend services.
Power BI
Building interactive dashboards and reports that transform raw data into meaningful business intelligence insights.
Power Automate
Designing and deploying automated workflows to streamline business processes and reduce manual effort across systems.
Power Apps
Creating low-code custom business applications that connect to data sources and solve real operational challenges.
Google Cloud Platform
Leveraging GCP services including BigQuery, Cloud Functions and Vertex AI to build scalable, cloud-native data and ML solutions.
Microsoft Azure
Deploying and managing cloud workloads using Azure services including Azure ML, Data Factory and Cognitive Services.
Amazon Web Services
Building and architecting cloud solutions on AWS using S3, Lambda, SageMaker and other core infrastructure services.
Featured Projects
Budget Performance Analytics
A Python-based analytics platform providing deep insight into Zambia's national budget, delivering clear visualisations and performance metrics.
TradeX
A full-featured order-management and trade-fulfilment platform built to handle end-to-end transaction lifecycles with speed and reliability.
Vision 1.0
A data-visualisation library built on D3.js that exposes a simple API for generating interactive charts and graphs from raw datasets.
Bridge 1.0
An accounting platform that streamlines financial record-keeping, reporting and reconciliation for small-to-medium enterprises.
AI & Models Framework
A collection of AI models, algorithms and reusable frameworks that form the backbone of multiple intelligent applications.
Education Background
My academic foundation combines software development, data science and analytical thinking, with a continued focus on practical problem-solving and emerging technologies.
MSc Actuarial Science
Advanced study in actuarial mathematics, risk modelling, probability theory and financial mathematics, providing a rigorous quantitative foundation for data-driven decision making.
CIMA
Chartered Institute of Management Accountants qualification covering management accounting, financial reporting, strategic business management and performance analysis.
CFA Level 1
Chartered Financial Analyst Level 1 covering investment tools, asset valuation, portfolio management and ethical standards in financial analysis.
Software Development & Data Science
Built a strong foundation in programming, software design, analytics and data-driven decision making, shaping the way I approach real-world digital products.
AI, Analytics & Modern Engineering
I continue to deepen my expertise through self-directed learning, technical research and hands-on experimentation across artificial intelligence, visualisation and full-stack systems.
Java
Formal study and certification in Java programming covering object-oriented principles, data structures, algorithms and enterprise application development.
Six Sigma Green Belt
Certified in Six Sigma Green Belt methodology covering process improvement, DMAIC framework, statistical analysis and quality management to reduce waste and drive operational excellence.
CCPP
Certified Card and Payments Professional with expertise in payment systems, card scheme operations, transaction processing and the evolving landscape of digital payments.
PRINCE2
PRINCE2 certified in structured project management methodology, covering project governance, risk management, planning and controlled delivery of projects within defined constraints.
Voluntary Work
I value using technology and collaboration to support learning, mentorship and community-driven initiatives beyond commercial project work.
University of Lusaka Alumni Association
Serving on the Executive Committee as Chair, providing strategic leadership to the alumni community — fostering professional networks, supporting graduates and driving initiatives that strengthen the university's impact beyond the classroom.
Mentorship & Peer Learning
Support aspiring developers and data practitioners through knowledge sharing, guidance and practical discussions around software engineering and analytics.
Open Knowledge & Collaboration
Contribute time and technical energy to initiatives that expand access to digital skills, practical tooling and collaborative problem-solving in the wider community.
Get In Touch
I'm always open to discussing new projects, ideas or opportunities. Feel free to reach out!