- 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

- 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

- 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

- 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

- 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

- 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)