Freelance Subject Matter Expert Consultant to Credit Recovery Management Industry as well as Associated Partners with vested interests in these industries. Primary service delivery areas are (but not limited to): 1.Credit Recovery & Arrears Management • Arrears Portfolio Analysis • Debtor Profile Analysis • Expert Scorecard Development o Consumer o Account / Matter • Collections Strategy Modelling • Contact Engagement Strategy Development • Campaign Development & Measurement • Collections Process Optimization & Enhancement2. Origination & Collections Management Software Development • Functional Design Specification Development • Business Process Development & Modelling (Credit Life cycle) • User Interface Audit & Enhancement • Business Rule & Data Validation Parameter Development3. Industry Regulatory Body Automation • Functional Design Specification Development • Business Process Development & Modelling (Credit Life cycle) • User Interface Audit & Enhancement • Business Rule & Data Validation Parameter Development • API Integration Specification

Permanent employment as Head of Trace for Consumer Collections including but not limited to Data Governance, Trace Methodologies and Implementation, Collections Innovation as well as Communications Enhancement and Process Auditing for Optimization Purposes.Responsible Markets:• South Africa• Lesotho• Swaziland• Botswana• Namibia• Kenya• GhanaKey Performance areas:• Optimizing existing trace strategies and enhancement of all collections processes • Contact Engagement Innovation (All media platforms)• Identify new opportunities, and managing the implementation thereof • Creation, implementing and monitoring of Trace scorecards • Identifying cost saving opportunities through optimization techniques• Develop new reporting tools and views to assess effectiveness of strategies and tests• Running statistical live tests and providing feedback • Identify macro-economic trends and incorporating those trends into current/new strategies• Optimising existing data information sources and identifying new sources to enhance contactability • Automated Workflow Optimization and development incorporating behavioural profiling of consumers• Strategic Communication Innovation and Development

Permanent Employment within Data Science sphere applicable to Credit, Collections and Communications Industry. Key Responsibilities include:• Analysis of Current Markets• Consumer Profiling• Data Enhancement (Contactability)• Lead Generation• Consumer Engagement Platform Development• New Business Development• Predictive Analytics and Data Profiling• Strategic Solutions Development and Implementation, Industry specific• Relationship Management

Contractual Employment for External Debt Collection Law Firm. Focus areas included Collection Process Enhancement, Data Management, Interpretation and Application thereof in support of Collections methodologies. Key deliverables included:• Business Process Analysis, Enhancement and Implementation• Data Discovery, Analysis, Mining & Profiling• Data Quality Enhancement• Data Enhancement • Consumer & Debt Profiling • Development of Collections Strategy• Development, Implementation and Reporting on Campaign Strategy• Business Intelligence• Business Performance Analysis, Improvement and Reporting

6 Month Fixed Term Contract within Business Metrics and Business Performance Improvement Unit. Key focus on Data Automation of Performance Dashboards across 3 Core Banking Systems within Africa, specifically Botswana, Zambia, Namibia & MozambiqueAS BUSINESS ANALYST (supporting role DA & PM):• Review Project Scope per Contractual Brief• Review, edit and collation of new Project Plan• Identification and Mitigation of Project Risks in line with scope, resources and Project Plan• Review and further definition development of Business requirements• Defining Data Indicators and Variables in line with Metrics Requirements and SLA Agreements• Development of Data Collection/Knowledge Base Discovery plan as part of Data management Plan• Identification and Investigation of Data Sources• Engagement with Local Stakeholders and Data Source Providers• Data Analysis on SQL and Cognos Platforms• Data Mapping and Analysis per available sources• GAP Analysis• Gathering and Investigation of available Data Dictionaries• Planning of New Data Management plan for new Data Warehousing• Collation of Project Documentation and reporting to Stakeholders

Senior management portfolio providing full project management and business intelligence function to all business units and external stakeholders• AS MANAGER: PROJECT MANAGEMENT OFFICEo Turn key project management solution provided for all projects as registered and approved by project sponsorso Custodian of all confidential and business IP relating to product development and business process modellingo Analysis and optimization of business processes in conjunction with relevant business unito MIS report development on Loan Book Analysis for board and Exco memberso Vendor relationship management & liaisono Projects successfully completed: Launched 4 successful external call centres remote selling of tailored financial and retail mobile products for sales platformo New product development and launch to market of industry or entity specific required financial productso Facilitated the development and communication plan for release of new Credit Life insurance house to market and vendorso Type setting of contractual documentation for legacy systems in compliance to new acts governing micro-finance and retail mobile industrieso Installation of new IVR telephony system complete with call flow and queues for 200 employeeso Spec development of new collections software legacy system (currently in development)o Implementation of new customized scripts in call centres across different business units per the transactional flowo Redevelopment and optimization of Collections Model and Process flow • AS MANAGER: BUSINESS INTELLIGENCEo Update of all changes approved by Riskco relating to business rules for qualification and product definitiono Debtors Loan Book trends analysiso Enhancement of Debtor profilingo Definition of product specific debtor profiling per product selectionPROJECT BASED EMPLOYMENT

Facilitation of all strategic projects across 8 business units to enhance company efficiency and productivity for a leading external debt collection agency.• Consultation and design of business process models across 8 business units• Gap analysis and development of enhancement strategies• Development of social trace function and debtor contactibility campaigns• Customer & financial relationship management to multinational key clients• Development and implementation of trade debtor specific projects• New business development & acquisition• Secured new business with base book value of R140 million in period of six weeks with net company commission to probable rand value of R 20 millionPROJECT BASED EMPLOYMENT

High Level Marketing Strategy Design and Activation based on Sales StrategyBrand Positioning and DevelopmentBrand Communications and Creative DevelopmentInnovative Communication StrategyBrand Expansion DevelopmentIndustry Activation and Media CampaignsBrand Perception Management and ProfilingPROJECT BASED EMPLOYMENT

Complete Brand Development and launch of Dr Robert Rey's Sensual Solutions in the South African Retail Cosmetics Industry through turn key High Level Sales and Retail Product Placement Negotiations with Edcon Group as retail partner. Conceptual creative design, implementation and management of National Media and Advertising Campaigns as well as activations of all Sales Mechanic. Standardisation of In-store Branding and Merchandising within Retail Outlets.Design and development of Product Specific Training Programs and Materials for all End Users and Sales Staff of Retail Partners. Training of all staff, retail sales consultants and aesthetic therapists on comprehensive product knowledge for in-house and trade purposes.Complete Sales and -staff management with average personal contribution of 74% of total company sales. Total personal sales contribution of R 5.5m in 5 month period. Strategic and Management Reporting based on sales and seasonal trends. Forecasting and Budgetary Reporting.Inventory management and forecasting as well as procurement negotiations with International Suppliers and Vendors.Customer and Supplier Trading Terms Negotiations and Relationship Management. Negotiations and securing of Product Placement Expansion across National Retail Outlets.Media and Industry point of contact.FIXED TERM CONTRACT

Independent Consultant | GCE, Maravedi Credit Solutions |Trade & Credit IndustriesGautengAs consultant, projects included – financial training, commodity trading and business management documentation generation.Project Deliverables included:Financial Training • Financial, transaction and accounting principles and methodologies• Financial management principles and methodologies• Optimal financial filing systems – overview, design and implementation• Advanced financial software training – Pastel partner 2009• Transaction specific principles and definitions• Time management training• Financial reporting principles, design, implementation and execution• Design of management accounts and auditing files based on IFRS guidelines• Payroll management, transaction origination and implementationCommodity Trading• Client relationship management• Contract, trade and price negotiation• Transactional and process management from enquiry to final delivery• Design and draft of industry and commodity specific business plans and templatesBusiness Management Documentation Generation• Design of organisational structure of company, high to factor level – 144 employees• Design of organisational salary cost structure report, high to factor level• Design of Exco KPA documentation and review templates• Copy editing of Exco high level reporting

Full Financial function for 12 branches in Eastern Cape