Thomas (Aka Theunis) Kruger Email & Phone Number

Sydney, New South Wales, Australia

Sydney, Australia

- Direct the end to end credit risk management, enterprise analytics and reporting - achieving lower delinquencies year on year despite Covid-19- Developed profit optimisation strategies to drive customer acquisition - loan book more than doubled post Covid-19- Implemented decision and process automation to drive scale and enhance profitability - 67% of decisions automated- Managed the judgmental underwriting team and approve large deals as part of the Exec. Leadership Team – unsecured loans of up to $250k

Sydney, Australia

- Designed and executed an internal review program for retail credit portfolio management, automated decisioning and portfolio analytics, modelling and reporting- Raised awareness of material weaknesses in credit risk management with senior management and assist in the development of appropriate responses

Cape Town Area, South Africa

- Consolidated and directed the consumer banking businesses across Africa (P&L responsibility)- Directed the maturing of the risk (credit, liquidity, operational and market) management capabilities and established operations best practice across different geographies- Non-executive director of the boards of CABS in Zimbabwe, Faulu in Kenya and OMF in South Africa

Johannesburg Area, South Africa

- Developed the capability requirements to deliver offers proactively to customers by combining best practice with latest technology- Increased automation and use of predictive models to manage risk proactively- Defined the design principles and target state systems architecture, operating model and upskilling requirements over the next 5 years

Johannesburg Area, South Africa

- Directed the Personal Loans and Overdraft portfolios (Balance Sheet of $3.5bn)) as well as Inclusive Lending segment for Credit Cards, Affordable Housing, Pension Backed and Enterprise Lending (Balance Sheet of $2.7bn)- Defined the business strategy, developed value propositions, marketing plans and sales targets across different products and segments- Developed a forward-looking profitability optimisation framework adopted across Consumer Lending- Introduced a Low-Income Credit Card with fixed monthly payments- Establish policies and governance requirements to ensure compliance with changing regulations- Integrated the Inclusive Lending and Personal Lending teams to form the new Unsecured Lending team

Johannesburg

- Directed credit risk management end-to-end of including collections and recoveries- Directed the development of scorecards as well as implemented line, risk based pricing and collections strategies for the new Low Income term loan product- Develop a roll rate based bad debt provisions model and assisted in implementing a regulatory and economic capital management framework - Increased penetration of existing customer base through pre-approval campaigns- Defined the business requirements and managed implemented of all credit related systems and processes for the SAP Core Banking transformation programme- Established a test and learn culture to challenge the status quo across the entire credit life cycle- Led the judgmental underwriting teams (total staff complement ~120)

Johannesburg Area, South Africa

Johannesburg Area, South Africa

Cape Town Area, South Africa

Pretoria Area, South Africa

Diploma In Advanced Banking Law (Cum Laude), Business, Management, Marketing, And Related Support Services

Master Of Business Management And Administration (Cum Laude)

Bachelor Of Engineering (Civil)