Develop the Absa Vehicle Finance Strategy that positions Absa as the Bank of the Dealer, Set the Performance Framework for Sales, Operations and Collections, Scale up on Campaign, OEM and Dealer Group Advanced Analytics, Develop and implement the B2B Marketing and Communications strategy to complement the existing B2C efforts,Run experiments to validate MoonshotsCoordinate the execution of strategy by leveraging existing partnerships and developing new

Reporting to the Managing Executive of Partnerships, Joint Ventures and Strategic Alliances, responsible for the development and implementation of partnerships that relate to business to consumer use cases, including negotiating and evaluating partnerships with Government, Retailers, Commercial Banks, Trade unions and Fintecs that resulted in 5 substantial opportunities, each with R50m+ revenue potential. Duties:- Development of strategy and execute governance for retail and business banking partnerships- Drive collaboration across banking, corporate and insurance clusters to implement new partnerships that are aligned to the business strategy- Explore and negotiate strategic alliances and partnership opportunities- Evaluate potential partnership commercials, identify key deal issues and mitigating actions, recommend deal parameters and obtain mandate from business stakeholders.Achievements:- Managed the relationship and developed the business model that was adopted by National Treasury for National Payment System integration into the Co-operative Banking Development Agency’s banking system. - Developed the use case and negotiated the commercials for and FMCG Retailer’s Interoperable Wallet of the back of Retail Exco directive to expand Absa’s share of wallet in Retailer Financial Services. - Coordinated the holistic presentation of Absa’s capabilities to a tier 1 Clothing Retailer’s executives, which resulted in the cancellation of a main bank RFP worth R50m p.a.- Implemented partnership governance standards for the group that defined and clarified decision mandates and processes for the establishment and exiting of strategic and business unit partnerships.- Facilitated the introduction and feasibility assessment to white labelled a credit card for a Commercial Bank with a potential to acquire 80k customers in 3 years.

Reporting to the Managing Executive of Personal Customer Segments (PCS), responsible for the business strategy by introducing and facilitating new customer value propositions (CVP) or to strengthen existing CVPs. Duties:- Dedicated focus to support newly recruited segment heads with their segment narratives and stakeholder buy-in.- Owner of the segments' fact base and lead insights provider on the South Africa Consumer behaviour and Retail Financial Services landscape. - Initiate and development of a partnership framework and capability for Retail and Business BankAchievements:- Developed the strategy and coordinated the plan to refresh the value propositions for Youth, Middle and Affluent segments. Resultant double digit percentage growth in the Affluent segment. New to bank growth by 20-40% in Affluent, Middle Market and Youth segments. Customer closures also declined by double digit percentages in the Affluent and Middle Market segments.- Consolidated the complete book of work across all segments, products and channels and instituted a prioritisation process using a Kanban weekly update and feedback approach resulting in the cancellation of 67 non-priority projects and the delivery of 117 in 2017.- Introduced segment and proposition development experts and methodologies into the team, which include customer lifecycle mapping and financial affluence value segmentation, which were adopted and instrumental in shaping the segment strategic decisions and medium term roadmap of priorities.- Organised and facilitated quarterly strategic and planning reviews (council sessions) with all product and channel heads, which by default became the main decision making platform for Retail Bank strategy.Reason for leaving:The segment narrative and segment heads were well established and the Head of Strategic Partnerships offered me an opportunity to give dedicated focus to the bank’s partnership strategy for South Africa.

Reporting to the Managing Executive of Consumer Banking Products, responsible to lead, facilitate and coordinate the business planning and development strategy that creates and enhances transactional, deposits, unsecured lending and rewards products across the Consumer Banking business to ensure our products are competitive and profitable.Duties:- Facilitate and design the product development, pricing and distribution strategy in conjunction with the lines of business heads and cross product functions.- Establish a way of work between business and support functions in the new operating model- Entrench the use of the industry’s latest trends and best practices for product planning, life cycle management and performance measurement.- Build and maintain strong relationships with executives in other businesses to ensure that the correct long-term aligned project view is created and followed.Achievements:- Formulated and executed a turnaround and alignment strategy in Consumer Banking, which resulted in non-interest revenue coming from a decline to 2% growth in the following year.- Initiated and developed a second look loan book partnership opportunity that would generate R25m p.a. uplift in fee revenue see Absa increase its shared in primary transactional banking in a segment that were at the time declined for loans. Decision by Personal Loans not to continue and rather revisit lending risk appetite, which has since increased monthly production by 20%.- As interim head of Absa Rewards for 6 months, stabalised the management team who were off track against the short term plan targets. Implemented R50m pa savings within that period with the introduction of earn caps based on two design principles, stop abuse and minimize customer impact.Reason for leaving:The consumer banking business was split into its separate product areas and the functional role of retail bank strategy moved into the newly established Personal Customer Segments.

Reporting to the Retail Bank CFO Retail Bank, responsible for the implementation of performance management methodologies and reporting to ensure Absa Retail Finance is as a valued business partner in driving performance management for the Retail Banking Exco.Duties:- Provide financial and management information to business change initiatives that utilised Value Based Management, Customer Relationship Management, Customer Portfolio Pricing, Benefits Tracking and Balance Sheet Management for decision making.- Continuously improve the accuracy, completeness and usage of customer profitability (CP) information in Absa Retail Finance by aligning the CP formula to General Ledger financial reports.- Develop and facilitate the financial methodology training for the Retail Finance teamAchievements:- Closed out all audit findings against strategic programmes that had committed revenue growth in excess of R500m in 2012 and established a benefits-tracking capability and process to make it sustainable for tracking future strategic programmes.- Implemented multiple change initiatives to reduce the variance from 10% to below 1% between customer level profitability and financial reporting profitability as well as fully quantify the remaining variance by workday five for over the top adjustments.Reason for leaving:Aspired to move from a support function into business where I could make strategic decisions and take responsibility for its implementation.

Business requirements analyst and project manager to multiple initiatives and capability developments within finance.Duties:- Develop and maintain the official profitability formula based on the Customer Profitability (CP) and Lifetime Value Methodologies by managing the human, system and communication resources involved in the production CP are sufficient and stable. - Coordinate the establishment and updating of training intervention for CP users about the methodology and system knowledge required to access and report on CP data. - Implement SAP Business Explorer (SAP BEx) for Customer Profitability by analysing user requirements,translating requirements for SAP BW Consultants, project managing Super User involvement, writing test case queries, establishing training material and training of Super Users in SAP BEx.Achievements:- Developed and maintained the Absa Group Exco balanced scorecard, published monthly. It was the primary management information and review document for Absa’s Exco in the year that Barclays procured the majority of its Absa share.- Implemented SAP BEx, which provided all finance and business MI specialists with easy access to customer profitability analysis and reports. It was the biggest implementation of its kind for SAP in SA.Reason for leaving:My responsibilities continued to grow into a position where the team had grown from one direct report to a team with 21 finance specialists. Promoted to finance manager-level position.

Duties:Design and implement a provincial business plan by facilitating work streams in scoping strategic initiatives, reporting to the Regional General Manager.Reason for leaving:Promotion opportunities were limited in the Western Cape and I needed to complete my practical experience requirements in finance for my CIMA studies.

Duties:Responsible for the Profit Optimisation Project in Gauteng and Free State supported by a Management Information System (MIS) to evaluate branch profitability and manage profit optimisation initiatives for national approval and implementationReason for leaving:The regional finance position became redundant and offered to take up a programme management role, reporting to the Regional General Manager

Duties:Analyse financial statements, prepare credit applications and evaluate client and group exposure to make recommendations to Credit Manager and submit applications to Group Credit for approvalReason for leaving:Nominated and successfully passed assessment to join an Absa Group Finance accelerated development programme.

During my full time studies, I worked as a bank teller in order to pay for my studies and transport.Reason for leaving:Offered a permanent position in the branch after I completed my BCom degree studies.