Stephan De Kock Email & Phone Number

Cape Town Area, South Africa

• Accountable for all operational, IT and strategic implementation elements for the Old Mutual Wealth businesses (600 staff, R800m expense budget)• Successfully developed and led the strategy and implementation to transform OM Wealth’s landscape into a streamlined, robust, agile and future fit capability that enables growth (including the intensive change management)• Led the team that delivered the most successful business migration in Old Mutual’s 177 year history• Led a 70%+ improvement in client and financial planner experience• Overseeing day-to-day operations end-to-end, including functions in the OM Wealth value chain (Technology, Strategic Delivery, Risk, Audit, Legal, Investment and Business Compliance, Business Resilience) • Line ownership for Old Mutual Unit Trusts and Old Mutual Investment Services• Multiple and long standing directorships• Significant (daily) engagement and strong relationships with the client base in the market• Building effective relationships with key stakeholders across various internal functions within Old Mutual Wealth, the broader OM business and externally (financial planners, key Independent Financial Advisors and tied partners, the regulators and retirement fund trustees)

Cape Town Area, South Africa

• Accountable for all operational, marketing, customer experience, product and fee activities for the R105bn (institutional and retail) investment business• Key player in the business being awarded best South African Multi-Manager • Delivered 20% reduction in operating costs through streamlining process • Lead in securing several billion Rands in new business • Accountability for the delivery and driving of the business strategy• Voted by my peers as one of the Leaders of the year for Old Mutual Wealth (2017)

Cape Town, South Africa

• Accountable for all credit management activities (New business, existing customer management and collections) to drive to a more profitable state • Chairman of the credit committee including ensuring a robust credit policy is in place and followed• Improved application and fraud losses by 50% through implementing new scorecards, fraud initiatives and pre-delinquency measures• Lifted collections performance by 25% through redesigning collections strategies, operational changes, skills transfer and external agency management and delivered a 15% improvement in existing customer profitability by implementing a new generation credit line strategy and assigning a dedicated marketing analyst to support existing customer management activity • Led and played a key role in drafting the cards turnaround strategy that laid out the 5 year plan and vision and multi-territory operating model

Cape Town Area, South Africa

I took the opportunity to take a year off to spend quality time with my family, coach sport, travel, read and write extensively and perform some pro-bono consulting to small businesses. An experience I would recommend to anyone.

Cape Town Area, South Africa

• Responsible for the overall growth and commercial performance of the WFS Store Card, Loans and Credit Card portfolios• Accountability for the overall marketing function of the WFS business including Agency management, with specific focus on aligning with the Woolworths retail brand• Chairman of various sub-committees (Growth Management, Employment Equity and Commercial Management) and member of various key committees (Business risk committee, Credit risk committee and Executive committee)• Delivered various high value projects around cost saving and new profit streams from concept through to implementation• Launched Customer Experience and internal communications as a new discipline within WFS and successfully drove various initiatives to embed these in the organisation• Redesigned (based on professional market research) the Customer Value propositions of the Store Card, Credit card and loans products including an aligned go to market strategy

Cape Town, South Africa

• Responsible for the overall performance of the internal and external collections areas for WFS (~ R2bn collections book)• Held accountability for the overall performance of the Frauds area for WFS (~R8bn turnover)• Led a staff complement of 250 staff in terms of training, development and retention• Delivering significant (~30% improvement) in key efficiency and commercial (impairment) ratios• Completely overhauled and improved the management, measurement and effectiveness of the outsourced collections process• Delivered highest recorded debt sale prices in the business’s history• Drove initiatives that resulted in historically poor areas in terms of Employee Satisfaction to being amongst the top performers • Developing and maintaining of stakeholder relationships with local and international counterparts to ensure that global collections, recoveries and frauds best practices are implemented within the business

Cape Town, South Africa

• Responsible for the growth in profitability of the two million Store Card, Loans, Credit Card and Insurance customers of Woolworths Financial Services• Implemented various new product enhancements, strategies and initiatives to drive growth and profitability of the various portfolios through product, pricing and IT development• Completion, design and review of capital investment business cases and reviews• Built close working relationships with local and international counterparts to ensure that global Existing Customer Management best practices are implemented.• Delivering on growth targets in a low consumer credit demand environment by continually applying test and learn approaches until the correct mix and fit of segmented marketing and optimal commercial lift was achieved• Project sponsor for various projects both from IT and business perspectives

Cape Town Area, South Africa

• Setting up the financial infrastructure for the brand new Corporate Distribution business• Preparation of business plans including strategy, customer value chains, financials, management action statements and incentives• Overall financial management of the various divisions (cumulatively 1500 staff, Sales – R20bn p.a., Spend – R1bn p.a.)• Development of Balanced Scorecards that reflected the strategy of the organization and the key lead and lag indicators• Management and delivery of Old Mutual Corporate “single client” project integrating the business held by clients across Old Mutual• Implementation of Old Mutual’s Corporate transfer pricing mechanism and principles in order to align business and sales to the market• Twice recipient of Executive GM’s Award for excellence

Cape Town Area, South Africa

• Production of corporate management accounts • Coordination of the entire EB Business Plan including revenues, profits, expenses & Actuarial information including scenario and SWOT Analyses• Ensuring consistency with OM Corporate financial policy, principles and disciplines• Monitoring and reporting of business risk within EB to the General Manager (Finance)• Finance Account Executive for Industry Funds Unit• Recipient of Executive GM Award for role• Development of first Industry Funds Financial Report

International Executive Development Programme, International Business

An intensive programme focused on personal leadership and mastery as well as global banking practices. The programme completion.

Mba (Cum Laude), Marketing And Strategy, Cum Laude

Activities and Societies: Voluntary tutor: Statistics, Finance, Ethics Gold Medal recipient (Top 10 student) with distinctions in Business.

Bachelor Of Commerce, Financial Management, Business Management