Responsibilities: Designed, developed and delivered the Bayport digital journey, thereby transforming 9 operations which include 4000 employees, 1m customers and a $1.5b loan portfolio. The resultant impact was the creation of an omni-channel distribution environment that positively impacted cost, turnaround time and customer experience Transformed the business from a mono-product lender into a multi-credit product, digital-first, deposit-taking institution with multi-channel (card, ATM, mobile wallet) transacting capability for our customers Core Achievements: - Launched and scaled Ghana's first regulatory-approved cloud-based digital bank that grew to over 200 000 retail customers with over $70m liquidity raised for lending operations. - Transitioned the company from a costly branch and field agent origination model into a cost-effective Omni channel operation comprising of call centre and mobile-first originations for customers. - Enabled a complete shutdown of costly branch and agent driven originations (In certain markets enabled shut down of entire bricks and mortar branch networks) - My digitisation efforts enabled significant headcount reduction in our subsidiaries - Successfully re-engineered and automated back-office processes that enabled a 90% reduction in back-office headcount with a 78% improvement in time to cash for our customers. - Through digitisation, I enabled a significant improvement in net promoter scores with net promoters almost doubling in a two-year period

Responsible for the vision, launch and scale of a digital first UK lender that brought emergency funds to cash strapped consumers

Responsibilities: Scaleup of operations spanning 4 countries and 16 languages to deliver the leading sports betting, online casino, and poker online experience. Achievements: - Spearheaded turning the business from a loss-making entity into a profitable operation - Met the objective of ensuring the business was an attractive takeover target, with the successful sale to a third party. - Right-sizing of operations from multiple satellite offices across Europe to 3 core offices in London, Stockholm and Malta - Redeployment of marketing spend to focus on profitable customer segments and growth territories. Through balancing cost of acquisition with ARPU and player lifetime value estimates (based on amongst other variables customer and territory segmentation) - Developed relationships with key affiliates and set up of department responsible for bringing in required levels of organic traffic - Optimisation of the retention and VIP teams to finetune customer communications and bonus attribution in order to increase customer retention and customer lifetime value

I was responsible for growing Top of Mind into one of the leading provider of alternate advertising solutions to the South African market. Top Of Mind held exclusive contracts to sell advertising space on behalf of the largest African retailers including Shoprite, Pick n Pay, Clicks & Dischem. The company also controlled media space in airports, had a promotions division and held a small portfolio of billboards

Responsible for managing the sales force and the pre sales force who in turn design, specify and sell IT solutions in the areas of system integration, managed IT services, business consulting and ERP (particularly the Navision and Axapta environments)

Responsible for developing a world wide distribution network for companies that had chosen to encrypt either their software or digital music content. Also reponsible for attracting larger companies to use the Wraptech (incorporating Softwrap and Soundwrap) encyption technology