Hands-on CTO responsible for IT Systems, Software Development, Credit Risk, Business Intelligence and Innovation at RECAP, Retail Capital's fintech division, where we provide business funding-as-a-service though partnerships with both local and international SME service providers.My team and I develop API's and bespoke software development solutions for our partners to allow their customers to access flexible business funding in real time on partner branded integrations. Our passion is helping small businesses to succeed by ensuring that companies are able to access funding 24/7 whether it be to grow or weather the storm. We are constantly assessing tens of thousands of businesses and using machine learning to assign them a funding facility that is able to be deposited into the merchants bank account within 24 hours. We utilise cloud-based infrastructure to ensure high systems availability and scalability with modern software architecture patterns to ensure stability. We are big fans of python, flask and serverless technologies like AWS lambda.My division, Recap, has achieved 100%+ growth rates for 3 years running and now issues millions of rands worth of business funding on a daily basis to over a thousand businesses monthly. We are passionate about delivering digital excellence to both our partners and their customers on whom ultimately our success depends.

I had the pleasure of working with the Executive team at Letshego, the largest listed company on the Botswana stock exchange. The engagement was focussed on scoping and planning the roll-out of mobile digital banking services across Africa.- Designed new financial products, in collaboration with African payment platforms in Kenya and Tanzania- Participated in the product and solution development for mobile lending opportunities in Mozambique, Botswana, Namibia, Tanzania and Kenya- Performed due diligence investigations on potential business partnerships and investment opportunities- Provided guidance on the systems and architectures required for the implementation of automated mobile loans using third part data sources

Responsible for IT, Business Intelligence and Innovation for a rapidly growing consumer finance business offering unsecured credit in sub-saharan Africa. Supporting 1000% growth rates across multiple business units in multiple countries in Africa has been incredibly rewarding. I am passionate about creating data driven cultures and agile IT systems that are customer centric.• Developed credit scorecards using machine learning and mobile wallet / cellular data to enable unsecured lending to over 1 million unbanked consumers in East Africa with rapid deployment to a cloud platform to enable real-time scoring• Created amazon cloud based mobile lending platform able to handle 30,000 mobile loans per day• Designed and implemented Redshift data warehouse capable of ingesting 2 million records in 10 seconds• Drove collections improvements through development of Tableau dashboards and in collaboration with business stakeholders, process redesign • Deployed Africa’s first biometric authentication credit card processing solution.

• Launched Kenyan credit card issuing and processing capabilities in 3 months, project completed ahead of schedule and realised 55% cost-saving against budgeted IT costs of R3.3 million • Reduced impairments on $40 million Payroll loans book by 30% and tripled secondary collections through innovative process improvements• Set-up 150 agent Kenyan call centre utilizing open source dialler software and chromebooks to drive 60,000 calls per day at a significant cost-saving to the business.

Jobcrystal is a young, dynamic online career management agency dedicated to improving the employment outcomes of its clientèle. We represent high potential clients looking to take their career to the next level. As MD I co-ordinate business planning and manage operations and strategic partnerships. My passion for building better mousetraps ensures that the company stays relentlessly focused on its most important assets - its clients.

Managed a team of software professionals doing Microsoft and Open Source web application development. • Grew IT headcount from 23 to 32, successfully sourced hard-to-find talent and created internal training programme to re-skill ASP developers into Python• Delivered new Applicant Tracking System, on time and under budget, generated over R2.5 million in sales in its first month.• Managed the transition from Microsoft to Open Source / Linux platform to reduce IT licensing costs by 80%• Redesigned waterfall development process into agile, user-centred one with sprints resulting in increased business confidence in IT delivery and improved software quality and functionality

Responsible for the delivery of software development projects. Occupied the Product Owner role in an agile development environment with occasional forays into Architecture and Analysis. Successfully delivered 2 major projects on time and in budget with a team of 5 people.

Worked within the Financial Services division RCS to develop a software solution to improve effectiveness of Marketing Campaigns

• Received President's Award for Excellence for improving organisational planning processes through implementation of Sales and Operations Planning (S&OP) methodology.• Realised an annual cost saving of R1.6 million through the introduction of a real time Manufacturing Information System that provided automated key performance indicators and identified manufacturing cost drivers.• Developed sophisticated inventory models that were used to forecast achievable global inventory budgets and reduce inventory days on hand by 26%, representing a R60 million reduction in inventory.• Collaborated with Forecasting Manager to deliver 27% increase in sales forecast accuracy.

Delivered R2 million project for development of in-house global Management Information System that integrated and analysed SAP, forecasting, sales and budgeting data.