• Responsible for the design and implementation of digital (email, text, app and web) A/B testing resulting in: Quantification of the incremental impact of digital tactics on charge off rates across productsOptimization of customer experience to maximise propensity to pay• Development and automation of end-to-end digital tactic reporting across all consumer lending collections – presented in monthly C level risk deck• Recoveries Forecasting using ARIMA time series• Sizing of charged - off debt sale sizing across unsecured products• ROI analysis across recoveries processes using cohort recovery curves –proposal f strategies based on findings

• Calibrated unsecured credit scorecard and presented methodology and impact to obtain bank-wide approval• Part of team that adjusted annual risk appetite to account for changes in macroeconomic factors and book performance - Increased capacity for higher risk cut-offs per product segment• Built tool that allowed for accurate risk cutting process, establishing the maximum % decrease in defaults (by value) per unit risk (PD) - Enabled dynamic rebalancing of risk thresholds and 30% retrospective reduction in defaults• Designed and implemented end to end automation of modification loss calcs and remediation reimbursements based on affordability breaches - Retroactively avoided significant regulatory fines• Built offline affordability tool (VBA & SQL) linked to real time data - enabled fulfillment to rescore based on income discrepancies - Lowered turnaround time and increased due diligence (Approx. 6% of total sales)• Scripted, validated and automated reporting of BASEL risk metrics into FNB’s central risk function - Met regulatory deadlines• Redesigned, migrated and presented the monthly Exco report onto Power BI - Enabled dynamic decision-making and provided alternative insights for senior decision makers• Rebuilt front book (cohort performance metrics) for both new and existing customers using 1st tier data and applying first principles - Increased transparency and accuracy of risk monitoring• Built a marketing campaign success tracker using A / B testing - Enabled real time tracking of marketing strategies• Improved and maintained the lead generation for call centers and messaging functionality based on propensity strategies - Lower turn-around time and increased strategic flexibility• Automated and improved the National Credit Act quarterly report using 1st tier data sources - 2-tier reduction in data flow - maximized transparency of regulatory reporting• Performed and presented feasibility studies for management

Project: Barclays, Retail and Business Banking (RBB), Group Planning and Design LeadAssisted in the strategic alignment of the 2018 book of work during the divestiture of Barclays in a South African bank, ABSA Designed a model to monitor and track strategic project benefits, which among other tasks included dependency mapping, risk identification, segment portfolio change governance and budgetingProject: Standard Bank, Corporate Investment Banking, Namibia, Enhanced Business OnlineRolled out an online transactional platform for corporate and investment banking clients in NamibiaWorked closely with local relationship managers to design the critical path required for seamless client migration onto the new platform which required a detailed understanding of payments, collections and corporate governanceBenefits Tracking | Strategy | Analysis | Business Case Review | Corporate Client Facing | System Migration | Conflict Resolution | Process Optimization | Transactional Products and Services

Project: Barclays, Wealth Due Diligence RemediationAnalyzed compliance data for corporate and investment banking clients; this included a full “KYC” identification and verification process coupled with data migration, in accordance with the Financial Intelligence Centre Act, 38 of 2001 (FICA)BasIQs Graduate Program: robust 3-month curriculum designed to prepare graduates for corporate consulting – involved solving high pressure case studies as well as presentation, business analysis, agile and process innovation workshops Data Analysis | Client Management | Financial Compliance | System Integration