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AI Finance ClubMember
Apr. 2025Proud member of the AI Finance Club — the premier global community where forward-thinking CFOs, Fractional CFOs, and finance professionals master cutting-edge AI tools to automate workflows, unlock insights, and lead digital transformation. Ready to future-proof your finance career and gain back 4+ hours a week? Join the AI Finance Club today by accessing this link https://nicolasboucher.online/sp/ref-join-the-ai-finance-club/?aff=139 [Use this code 10-OFF-AIFC at checkout for 10% off on the quarterly plan (good for 4 quarters).]
PBandJava (Pty) LtdFractional COO
Nov. 2024City of Cape Town, Western Cape, South AfricaPBandJava is a Fintech providing niche IT solutions for gaps in the market, utilising AI and modern technology infrastructure tools. The role as fractional COO has been working with the founders and directors, providing Fractional COO/CFO expertise, Project management, Legal, Business Development, Negotiation and Sales skills to the company.
ZenMunniFounder; Owner; Managing Director
Sep. 2023Cape Town, Western Cape, South AfricaZenMunni (Pty) Ltd is a start-up entity dedicated to the building of the personal wealth of its clients. It was born out of a concern for the high level of indebtedness among the South Africa populace and poor culture of saving. The company aims to take clients out of financial stress, from the RedZone into the ZenZone where they can prosper. As such the company offers financial planning services; inter alia debt counselling, tax and estate planning, assurance, insurance, health and investment products provided through accredited agents. Registered under NCR as a Debt Counsellor; DCASA - Registered professional body, delivering on debt counselling services; partnering with the Efficient Group, Authorised FSP, who provides the supportive insurance and related financial consulting services and products. Key purpose of role: All aspects related to a Start-up. Key focuses on marketing strategy and developing strategic alliances to enable operational execution while applying stringent cost management. Client base: Individuals who are experiencing debt difficulties or need investment or risk protection products, and those needing financial consulting and estate planning; obtained through marketing and brand activation campaigns through google advertisements, META campaigns as well as brand activation events. Responsibilities Strategic Direction » Formulate the vision, mission, and company strategy. » Establish partner relationships to enable the delivery of the strategy Operational Implementation » Implement digital marketing strategy to generate interest and client enquiries. » Establish back-end systems and IT to enable process integration and scaling. Notable Achievements: » Establishment of independent new business in a competitive and regulated environment. » Implementation of ethical debt management practices to grow client balance sheets. » Implementation of regulatory processes while enabling efficiency and synergy
Capitec BankHead: Credit Profitability, Optimisation & Risk
Oct. 2018 - Aug. 2023Cape Town Area, South AfricaReported to the Group Credit Executive later the Divisional Credit Executive – Retail. Led a team of 15 with 3 direct reports. Portfolio Enhancement and Credit Risk Management (ZAR 70 Billion Portfolio with 25% ROE) » Strategically maximised portfolio returns by balancing credit sales growth, risk mitigation, and yield enhancement to drive profit growth. » Established and anchored a risk management culture to optimise profitability. » Led a data-driven team to unlock insights for improved credit portfolio performance. » Streamlined systems and processes to clarify credit target setting, enhancing strategic decision-making. » Leveraged data and predictive models to inform client-focused strategies and innovations. » Developed credit pricing and sales propensity models » Advocated within the industry, navigating regulatory challenges to align strategies with client and bank goals. » Reviewed and approved product pricing and bad debt performance metrics for accuracy and impact. Credit Reporting Excellence » Oversaw credit risk reporting, aligning with SARB, IFRS, and market standards. » Forecast credit sales within Board budgets, updating rolling forecasts for relevancy. » Integrated key credit metrics into Board and executive reporting for timely strategic insights. » Designed advanced client-level reporting systems to enhance client acquisition and retention efforts. » Delivered monthly credit reports and tracked performance metrics » Provided actionable insights through analysis of credit impairments and provisions. Proactive Credit Risk Management » Monitored non-performing assets and escalated risks promptly. » Dismantled silos to streamline bad debt evaluations and decision-making. » Reconciled credit and financial reporting discrepancies for accurate performance tracking. » Conducted monthly reconciliations to ensure data integrity in bad debt metrics. » Fostered collaboration between departments to align decisions and enhance profitability.
Capitec BankHead: Credit Management Applications
Oct. 2014 - Sep. 2018Cape Town, Western Cape, South AfricaCredit Management Operations Role » Led the retail credit acquisition and retention strategy. Managed credit bureau relationships and branch credit policy. Reported to the Group Credit Executive. Oversaw a team of 40 with 5 direct reports. Credit Sales Acquisition » Established a new operational entity focused on strategic credit client acquisition and retention. » Utilised data-driven insights to enhance credit extension and innovate growth strategies. » Increased sales by optimising credit processes and fostering collaboration with sales and marketing. Credit Bureau Management » Managed critical bureau relationships, advocated for industry data strategy improvements. » Ensured the quality and reliability of data exchanged with credit bureaus. Quality Assurance for Granting Assessments » Oversaw affordability assessments across 750 branches, ensuring adherence to credit policy. » Directed the national credit branch support centre, providing technical and strategic guidance. Key Achievements in Credit Management and Risk Roles » Enhanced credit sales and risk management strategies for sustainable profitability. » Achieved significant growth in credit sales, from ZAR19.4 billion in 2015 to ZAR52.9 billion in 2023, in challenging economic conditions. » Expanded Business Intelligence capabilities, identifying sales drivers and providing insight on credit issues. » Strengthened collaboration between credit and finance for improved credit risk reporting. » Developed and executed strategies for two new departments: credit applications (sales strategy) and profit optimisation. Leadership Impact - Coached team members, leading to promotions and career advancements: » One direct report promoted to the same level. » Team members advanced to senior roles in finance and other departments. » Two Employment Equity managers reached equivalent leadership levels elsewhere. » Built the most diverse team in terms of Employment Equity targets, demonstrating inclusive leadership.
Capitec Bank LtdHead: Financial Reporting and Special Projects
Oct. 2007 - Sep. 2014CPT, South AfricaLed the Financial Reporting department, overseeing external and internal reporting, balance sheet management, risk oversight, and taxation. Reported to the Group CFO, managed 6 direct reports and ensured compliance with regulatory and strategic objectives. Strategic Financial and Regulatory Oversight » Implemented Basel II and III regulations across the Capitec Group. » Developed a liquidity measurement framework, achieving industry-leading funding and liquidity ratios. » Oversaw regulatory reporting (SARS, SARB, NCR), public reporting (IFRS, Basel III), and internal reporting (management accounts, ICAAP). » Ensured capital adequacy compliance, proposed capital strategies, and managed dividend and tax planning. » Produced and filed annual financial statements as per JSE regulations. Financial Reporting Excellence » Prepared comprehensive financial reports for executive and Board review, covering IFRS group and stand-alone financials. » Supported the CFO in investor relations engagements and maintained strong regulator and auditor relationships. Asset and Liability Management (ALM) » Spearheaded capital management initiatives, including ICAAP development and ALM reporting for RCMC and ALCO meetings. » Represented the bank at national forums, addressing SA Inc. liquidity and funding challenges with the National Treasury. Taxation Expertise » Managed tax return preparation, addressing complex challenges with regulatory authorities. » Coordinated cross-departmental responses to tax issues, ensuring effective solutions. Key Projects and Achievements » Managed Basel II and III implementation and established new departments. » Set a JSE record for the fastest audited financial statement filing post a year-end. » Improved SARB’s perception of the bank through technical and diplomatic excellence. Leadership Impact » Coached and mentored team members, resulting in promotions to senior roles, including a direct report who later became CFO of the retail bank division.
PricewaterhouseCoopersSenior Manager
Jan. 1993 - Sep. 2007Century City, CPTSenior manager in PwC Cape Town’s Financial Services Assurance department, overseeing audit teams of on average 6 members. Held roles in audit and marketing, reporting to audit partners for engagements and to the Consulting Partner for marketing initiatives, dotted line to the Managing Partner. Audit Responsibilities » Planned and managed audits for JSE-listed clients and Public Interest Entities. » Conducted audits per International Standards on Auditing (ISAs) during interim and final phases. » Coordinated in-house experts across Tax, IT Audit, and Actuarial Services ensuring high-quality delivery. » Prepared client audit reports for submission and presentation at audit committees. » Developed technical accounting solutions, offering strategic recommendations to clients. Marketing Responsibilities » Directed client retention and acquisition strategies, delivering tailored, high-quality Request for Proposals (RFPs). » Coordinated client service initiatives, aligning Assurance, Tax, and Consulting expertise on key accounts. » Conducted data-driven prospecting exercises to identify areas for growth. » Managed marketing budgets, maximising advertising impact in alignment with strategic plans. Key Projects » Audits: — Managed high-profile audits, including Santam Ltd (SA’s leading P&C insurer), Capitec Bank Ltd, Mettle Ltd, and BoE Private Bank. » Marketing: — Delivered target market analysis, thought leadership publications, and industry surveys Notable Achievements » Delivered exemplary service to clients like Santam and Capitec, leading to long-term retention and growth opportunities. » Selected twice for global quality reviews in London, representing PwC South Africa. » Recognised with a marketing role for demonstrating capabilities beyond audit. » Executed prestigious client service events, including enhancing PwC’s reputation. — Annual Review of the National Budget — PwC Western Cape, Wine Producers Survey — National Investment Manager's Survey
PwCJunior Manager
Jan. 1993 - Dec. 2000Harare, ZimbabweStarted as a junior audit clerk on a 5-year articles programme, which funded a distance learning degree while working. Managed audit teams of on average six team members. Reported to the relevant Audit Partner depending on the client. This role provided valuable experience across a range of industries enhancing general business acumen and commercial skills. Audit Responsibilities » Prepared the external audit committee report for submission to the audit committee. » Led the preparation of consolidation journals for large group entities. » Gained experience in multi-currency consolidations and hyperinflation accounting. » Completed audit components, including cash, banking, creditors, debtors, profit and loss, investments, taxation, share capital, and retained earnings. » Drafted standard audit findings reports for management. » Attended year-end inventory counts to conduct independent sampling and review the quality of the process. Accounting Responsibilities » Prepared annual financial statements from trial balance. » Compiled and submitted tax returns. » Completed bank account and supplier reconciliations. Key Projects » Audits — Barclays Bank Ltd: Listed on the Zimbabwe Stock Exchange (ZSE), a full-service commercial and retail bank. — Apex Corporation Ltd: A diversified manufacturing group with 40+ entities, including railway carriage manufacturing for PRASA. Offered CFO role but declined to relocate to Cape Town. — Hunting PLC: UK company with a Zimbabwean subsidiary, specialising in agricultural retail and PT6 aircraft services. — Zimbabwe Development Bank Ltd: A development bank funded mainly by EU loans.
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