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Network Power<100 people
Roles
๐งจ75%
Consulting
โจ62%
Business Owner
๐ฅ50%
Startup Founder
Geos
๐ฟ๐ฆ37%
South Africa
๐ฉ๐ช12%
Germany
Work Background
ShopriteXData Ecosystem Squad Lead
Mar. 2023Cape Town, Western Cape, South Africa
TransUnionHead: Commercial Bureau Solutions
Jun. 2022 - Feb. 2023Johannesburg Metropolitan Area
TransUnionProduct Manager
Feb. 2020 - Jun. 2022Johannesburg Area, South AfricaProduct manager for Transunion Africa's suite of customer management and collections solutions
TransUnionSenior Advisor: Consulting
Feb. 2019 - Jan. 2020Johannesburg Area, South Africa
TYMEProduct Owner: Personal Loans
Aug. 2018 - Nov. 2018Johannesburg Area, South AfricaOverall accountability for delivery of a personal loan product for TymeBank - Management of project workstreams covering o user experience design o marketing o product terms & conditions โ i.e.: loan agreements o product set up, accounting & systems (Product system / GL / Treasury) o credit decisioning & credit back-office functions o repayments (EFT payment, EFT debit order, Authenticated collections) o compliance, regulatory reporting & product reporting o collections and account maintenance o systems integration across channel, product systems, back office and electronic data warehouse - Management of multiple teams based in different geographies (Vietnam, Hong Kong, United States & South Africa) working across different delivery methodologies (Waterfall and Agile) - Detailed competitor and market analysis to inform product design, customer experience and business process
AbsaManager: Collections Strategy (Vehicle & Asset Finance)
Feb. 2015 - Jul. 2018Johannesburg Area, South Africa- Design, maintenance and revision of end-to-end collections strategy in ABSA retail vehicle asset finance team, including: pre-delinquent high risk strategy, early / late stage collections, forbearance (account restructures & payment arrangements), legal & off balance sheet recoveries and sales of repossessed assets
- Ensuring Collections operations execute in line with strategy through ongoing review and exception reporting
- Design and implementation of champion/challenger strategies to ensure continuous optimization of collections processes, impairment and operational cost efficiencies
- Design and implementation of debt recovery strategies, including outsource vendor remuneration structures
- Management of 2 analysts (direct reports). Coaching & performance management, establishing team Key Result Areas aligned to team goals.
- Ad hoc analytics
AbsaSenior Credit Risk Analyst
Jul. 2013 - Jan. 2015-Senior Analyst focusing on end-to-end collections strategy in retail vehicle asset finance environment.
-Setting, monitoring, evaluation and ongoing refinement of strategies across pre-delinquent high risk, early / late stage collections, legal and off-balance sheet recoveries.
-Strategic oversight of development of scorecard solutions for the collections space
-Valuation (through payments modeling) of debt sale books
-Development of roll rate model for annual forecasting of book size, legal charge offs & write offs -Definition & monitoring of monthly targets for collections operations
-Design, development & monitoring of champion / challenger strategies across collections lifecycle
-Ad hoc analytics and design / refinement of area reporting
-Management of 2 analysts (direct reports)
Standard Bank GroupCredit Risk Analyst
Nov. 2011 - Jul. 2013Johannesburg Area, South AfricaAnalysis, performance monitoring & development of credit risk estimating solutions across multiple business segments and products. Responsibilities & Competency Development:
* Optimize scorecard driven credit strategies within Standard Bank Business Banking, across multiple customer segments / product offerings.
* Identify primary drivers of customer behaviour across the credit life cycle (origination, account management, collections) and refine predictive capabilities of forecast models on ongoing basis.
* Responsible for management & coaching of 2 junior team members
Standard Bank (Inclusive Banking)Business Development Manager: Enterprise Lending
Feb. 2011 - Oct. 2011Drive transformation of business pilot project into operationalized, scaled and profitable business unit. The business areaโs focus is provision of credit to small informal enterprises operating primarily in peri-urban regions (e.g.: townships) within the South African market. Responsibilities & Competency Development:
* Formulation of customer value proposition
* Product management of core fixed-term loan offering
* Budgeting and medium-term business case development project.Primary focus on development of financial model.
* Management of back-office support team (3 direct reports)
* MIS (business intelligence) management and reporting
* Inform design of intuitive and psychometric credit scoring model
* Specification, mapping and optimization of end-to-end operational model. Primary focus on in-field origination (mobile), human resource model and customer loan account management system.
Standard Bank GroupManager: Financial Inclusion
Jul. 2010 - Feb. 2011Overview of role:
Drive, inform and support the development of an integrated business model for provision of financial services to unbanked (low-income) market on the African continent. Responsibilities & Competency Development:
* Financial / business model frameworks
* Financial services market on African continent
* Credit & lending processes for Microfinance
* Core banking systems
* Agency based (hub-spoke) distribution model
Standard Bank GroupProduct Analyst
Jun. 2009 - Jun. 2010Overview of role: Balance pricing lead acquisition / retention of high-end (Annual revenue of R50-500 million) business banking customers with overall profitability in the transactional banking space. Responsibilities & Competency Development:
* Data analytics and insight generation
* Extensive project management
* Coordinated execution of initiatives / decisions through multiple stakeholders (e.g.: I.T, Marketing, customer facing staff etc)
* Daily decision-making w.r.t customer pricing on
multiple products / services offered by Standard Bank
Standard Bank GroupGraduate Trainee (Leadership Development Programme)
Jan. 2009 - Jun. 20096 month extensive training across variety of business functions. Delivery of 2 business projects.
Standard Bank GroupIntern - standard bank
Dec. 2008 - Jan. 20092 month high-intensity training and project delivery
University of StellenboschEconomics Tutor
Mar. 2008 - Nov. 2008Weekly preparation and lecturing of tutorials to groups of 15-70 first year economics students
World BankResearch Assistant
May. 2007 - Jul. 2007Field research of participating businesses for international research project
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