Charles De Winnaar (Mba) Email & Phone Number

Dubai, United Arab Emirates, London Uk

Lead Creditinfo’s global sales strategy and operations across its network and credit bureaus. Responsible for revenue growth, market expansion, and operational excellence to ensure scalability and enhance the customer experience across different markets. From developing strategic partnerships to driving innovation in sales processes and technologies, fulfill a key part in the next phase of Creditinfo’s international growth.

Rest Of Africa (Morocco, Tunisia, Uganda, Zambia, Botswana, Namibia, Nigeria, Malawi)

Results-driven Strategy and Enablement Leader responsible for Sales, Distribution, Enablement, and Commercialisation Execution Strategy. Driving revenue growth, optimizing distribution networks, developing strategic initiatives for market expansion imperatives, and bringing new Go TO MARKET strategies to fruition. Adept at leading cross-functional teams, analyzing market trends, and implementing innovative solutions to enhance sales performance. Strong track record of exceeding financial KPIs and delivering impactful results in highly competitive markets.Deliver the firm by transforming, organizing, and presenting the global capacity and capability of Marsh& McLennan companies across North, East, West & Southern Africa. Deliver consistent Shareholder value including, financial, and human capital returns, positioning in the marketplace, and economic value.Increase market presence in the Pan Africa Region as a prominent financial service and trusted risk advisor through embedding a consultative industry approach per legislative governance and compliance framework.Developing and guiding high-performance teams operating in dynamic cross-function complex matrix operating environments.Consistently achieving exceptional growth through collaborative engagements and business transformation imperatives.

International

Working at the forefront of transforming organizational effectiveness through developing bespoke GO TO MARKET strategies for leading international organizations. Whether it be transforming the organization as a whole, or functional lines, my work and influence span multiple dimensions and disciplines in driving strategy to fruition. With an absolute passion for driving transformational change I am a leading contributor for enabling conventional and unconventional ways of work, instilling digital adoption and sustainable change.

Africa And Middle East

Execution of strategic change strategies that enable conventional financial business models to respond to rapidly changing operating environments through the adoption of new market capabilities.Disruptive in nature to leapfrog conventional go-to-market strategies for B2B and B2C businesses. Entrepreneurial and adept at managing value accretive P&L performance-driven outcomes.

Kuwait City, Kuwait

Exco Member overseeing activities across 69 branches and over 1,500 personnel comprising Branch, Direct Sales, Customer Contact Centre and Digital Response Channels. Change leader accountable for planning and driving strategy of Sales and Distribution functions across Consumer and Business banking to transition, and optimize growth imperatives.Some of my key contributions include: Initiate and drive on-going strategic project to develop future model for channels and segments, aligning branch network and bank channels with emerging trends. Current branch segment contributes in excess of 60% of total generated revenue.Instill future leadership culture and go to market operating model.Reduced credit card customer attrition by 20% over a quarter, and 50% year on year with a net improved customer save rate up from historic lows of 5% to approx. +15%.Successful executed turnaround strategy for Wealth and Investment Distribution to record same level bookings of year prior within the first two months of 2020.Oversaw record levels for segment based new-to-bank customer acquisitions in second half of 2019.

Southern Africa, Egypt, East & West (Kenya,Ghana) Africa, Seychelles, Mauritius

Rest of Africa, Exco Member responsible for strategic direction of Sales and Production operations and business performance across Retail and Business bank. Collaborated with product and function heads to direct short-and-medium term country plans regarding key financial, risk management, business growth, cost management, processing efficiency, channel and optimisation imperatives across Barclays Africa 12 countries, reduced to 10 in 2018/19 after Barclays sold its Egypt and Zimbabwe operations.Some of my key contributions included: Drove a high-performance culture by continually engaging and motivating the team, while employing a model leveraging best practices to enhance the Barclays brand across Africa. Embedded a comprehensive succession planning and talent management structure to develop management talent at all levels.Delivered the first-to-market bank, telecommunications (MTN), and fintech commercial proposition in Africa that functioned outside conventional bank channel confines. Deployment was profitable within six months of launch, yielding 250,000 new customers being on-boarded that expanded to +1,5 million. Initiated and implemented the Risk and Compliance Policy and Governance Framework (also assigned chair) for integrating the telecommunications and financial services provider functions. Delivered a new business model for Agency Banking utilizing third-party open API platforms, and telecommunications mobile user interfaces, reducing overall impact and volumes on conventional branches and broadening the bank's physical presence whilst providing an efficient, cost-effective solution to millions of end-user consumers. Increased product sales revenue by over 100% within six months by re-positioning strategic business alliance – directed product sales via internal distribution channels, managed and reduced reliance on third-party external service.

Johannesburg Area, South Africa

Responsible for 12 Barclays Africa markets with remit to develop and implement sustainable, competitive sales channel and product proposition. Drove channel strategy to optimise retail sales, facilitating ability of over 3000 sales personnel to sell assets, liability, card and insurance products.Some of my key contributions included:Embedded strong sales culture, process and capability across multiple distribution channels, while spearheading acquisition strategies and opportunities to expand customer base. Oversaw highest pan-African sales in Barclays Africa’s history.

Johannesburg Area, South Africa

Fully accountable for developing home loan and secured lending sales, distribution strategy and business performance.Some of my key contributions included: Secured support of executive management to offer new innovative direct to market solution for leading estate agency brand, reducing dependency on third-party loan source providers, enabling estate agents to engage directly with Nedbank to secure loans for house buyers. Managed re-positioning of customer contact centre, re-negotiated sales targets increase of 45% from previous year, which was met at year’s end, with client service units and acquisition costs falling by 16%. Annual operational costs also fell. Reduced contact centre costs by 50% without personnel redundancies, while improving output by 50%. Drove change management initiative to implement in-branch digital home loan application solution deployed in over 450 retail branches with 3000 frontend client facing users. Won Nedbank top achiever award for exceptional sales and overall business performance within first year in role. Accolades included highest, and best overall team performance, with three team members also winning top accolades.

Johannesburg Area, South Africa

Managed internal and external stakeholders, while collaborating with business and channel partners to optimise home loan and secured lending acquisition strategy, drive operational efficiency and increase market share and profitability.Some of my key contributions included: Updated operational processes and developed blueprint to standardise sales and sales force objectives. Developed initiatives governing key account management and client engagement to assist ability to trade during periods of prolonged adverse economic conditions. Forged long term strategic partnerships with industry leaders to sustain business objectives and drive profitable Drove change management initiative to implement in-branch digital home loan application solution deployed in over 450 retail branches with 3000 frontend client facing users.

Johannesburg Area, South Africa

Managed executive teams of third-party providers and Nedbank Home Loans alongside regional sales managers and sales personnel, with over 100 reports.Some of my key contributions included: National channel performance exceeded set targets by over 127%. Appointed as Trustee of Nedbank Property Association and member of adjudication panel.

Johannesburg Area, South Africa

Met remit to drive disciplines creating turn-around strategy to improve non-performing regions and ensure business performance targets were met at regional and national levels.

Pretoria Area, South Africa

Accountable for sales performance of strategically important region from geographical and lending opportunity perspective. Region represented 28-30% of national residential property market.Some of my key contributions included: Region contributed 40% of home loan sales numbers within 18 months while consistently exceeding monthly targets despite a comparatively small budget and staff complement. Sales team generated record home loan sales in a single month, with annual home loan sales exceeding target by 140%.

Pretoria Area, South Africa

Responsible for implementing account management principles and disciplines in order to improve and optimise the manner in which external client engagements and services were provided.

Johannesburg Area, South Africa

Managed a highly diverse and profitable wholesale client portfolio of over 100 business banking corporate clients. Maintained profitability through adopting rigorous risk reform initiatives at client portfolio risk level and extracted additional revenue from under-utilised or incorrectly priced client portfolios.

Johannesburg Area, South Africa

Responsible for managing and improving operational activities and processes made use of in the front line business units.

Johannesburg Area, South Africa

Master Of Business Administration (Mba), Masters

Activities and Societies: General Management Strategic Finance and Value Creation Scenario Planning Doing Business in Africa.

Senior Management Programme, Senior Management Programme, Nqf 7

Management Development Programme, Applied Business Course

Communications & Psychology, Social Sciences