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Work Background
Riskworx (Pty) LtdFinancial Engineer
Mar. 2024
WesBankData Scientist
Nov. 2018 - Dec. 2023Role involves lead quantitative analytics activities related to developing and deploying advanced predictive analytics, data science, and optimization solutions. Manage overall project scope, delivery, and team workload. Work alongside business stakeholders to ensure alignment of priorities and goals. Optimise processes, recommend enhancements and inform strategic decisions through statistical modelling and data analysis. Provide analytical support and interpret insights to address business opportunities and problems.
Responsibilities include: • Design and development of accurate and efficient data and analytical solutions for WesBank direct marketing and operational campaigns.
• Ensure continuous process improvement to enable effective operational data processes.
• Ensure regulatory compliance of WesBank campaigns.
• Builds and manages relationships.
• Ensures customer excellence through interaction with internal and external customers throughout all business activities. QUANTITATIVE PORTFOLIO MANAGER WesBank //Dealer Solutions //Nov 2018 – Dec 2021 Responsible for the design, execution and delivery of predictive models that ensure adequate bad debt provision and capital retention. Key Responsibilities • Developing, implementing, maintaining and refining bad debt predictive rating system models for the company’s existing business portfolio.
• Ensure that models are developed within group and regulatory parameters and is expected to interpret and report on statistical trends.
ACHIEVEMENTS + HIGHLIGHTS
• Top Performer 2021 (Motor Credit Award)
• Model Automation
• Successfully automated the IFRS9 Model on to Model Manager.
• FLI Model
• The Covid-19 Pandemic created the need for a Forward-Looking Index model. I successfully built the model (with qualitative and quantitative factors) specifically designed for the WesBank Dealer Funding Solutions book.
• Regulatory Models Built:
• IFRS9
• FLI
Absa GroupAnalyst (Credit Risk)
Jul. 2018 - Nov. 2018
Absa GroupMI Developer
Oct. 2017 - Nov. 2018
Absa GroupQuantitative Risk Consultant
Jun. 2016 - Sep. 2017Johannesburg Area, South AfricaJob specifications:
Develop, implement and optimize credit and operational risk models (Basel II regulatory capital models, impairments);
Develop and implement various quantitative models for clients in the banking and insurance industries;
Credit risk and operational risk evaluation, including qualitative and quantitative approaches, as well as modelling, analytics, and forecasting;
Data mining, scrubbing, cleaning, mapping and analysis using SAS skills;
Compilation of model building and business requirement documentation;
Creation of MIS dashboards; Development and implementation of solutions to monitor the performance of existing models;
Innovative first-principles model building and automation of processes; and
Creation and monitoring of Project Risk Logs and Project Backlogs.
Achievements and Value-Adds:
IFRS 9 Impairment Modelling
o Client: Absa Bank
o Forming a team of BAU (Business as Usual) analysts to develop the IFRS 9 Impairments Model for Absa Bank.
Retail Products: Cheques, Edcon, WFS (Woolworths Financial Services) and Student Loans
o Optimising SAS codes to ensure that they are efficient and structured
o Building of SAS related Hashes and Controls
o Creation of Business Requirement Documents for related products.
o Creation of Data Dictionaries. “Excel Tip of the Week” Project Manager
o Project Manager of a Pillar within the company where advanced Excel Tips are shared company wide.
JD GroupSenior Credit Risk Analyst
Jan. 2014 - Dec. 2015RandburgReport on risk trends (internal and external)
Review of Originations Policies and -Strategy Document
Creation of Application process Flow chart (System, Customer and Operations)
Customer Relationship Management Reporting on portfolio metrics
Adhoc Requests received from CVM stakeholders
Develop technical skills
Develop soft skills
Profitability Model - Identify areas within the business where opportunity exists to increase profit or decrease losses incurred.
Provide credit risk and portfolio management support in the analysis and development of new products, business strategies and individual transactions.
Compile portfolio management reporting
Generate champion challenger reporting
Identify trends and provide a summary to the Senior Managers regarding the performance of the debtors book, new applications and accept/refer rates
Submit reports to relevant key stakeholders as and when required
Propose changes in credit criteria based on decisions taken by the Executive
Standard Bank GroupCredit Analyst
Apr. 2010 - Dec. 2013Johannesburg Area, South AfricaExcellent consistent customer experience:
- Effective stakeholder management and communication
- Maintaining quality standards
Engaged and Committed People:
- Improve capability, credit skills
Improve efficiency and effectiveness
- Review current Strategy Policies
- Assist in Product process improvements
Optimise economic Profits
- Facilitate growth in New Business
- Assist product partners to achieve target to Grow New Business
- Drive the implementation of new application scorecards and assist in the strategy design.
Analytics & Reporting
- Prepare, analyze, interpret and distribute credit risk related reports. - Demonstrate technical expertise and strong knowledge base in the area of consumer credit and consumer credit risk management. - Conduct individual data driven risk review assignments to identify and report credit quality trends and credit risk. Analysis must result in statistically supported findings and/or recommendations consistent with strategic business objectives. - Analyse portfolio level data to identify and monitor key risk factors and recommend solutions. - Perform ad-hoc analysis of card portfolios as directed as potential risks are identified. - Support the development and/or evaluation of various models used for loss forecasting, portfolio stress testing and other targeted analysis. - Ability to access and query a multitude of databases and create and maintain data sets as appropriate. - Conduct root cause analysis to identify opportunities to predict, prevent and mitigate risk within processes and performance across consumer lines of business.
- Communicate and document processes and analysis results. General:
- Manage assigned projects in timely manner, ensuring accuracy and deliverables are met.
Coface South AfricaInformation Analyst
May. 2008 - Mar. 2010Job specifications Resolving duplicate buyers on the Common Risk System (CRS) as
well as on the local CSA database
Credit limit transfers on the CRS system as a result of a duplicate
buyer
Buyer group investigations and validation
Full function management of the Information GED INBOX
Submitting requests on buyers where the information on record is
outdated or where the buyer is unknown in the CRS system. All
according to specified procedures and time frames.
Validation and actioning of information received from
DeloitteBusiness Analyst
Jan. 2007 - Aug. 2007Compile Portfolios of Evidence for the Learnership (ERP Certificate)
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