MortgageMarket is revolutionizing how consumers shop for home loans and how lenders could reach new customers. As a financial tech and marketing company, MortgageMarket is dedicating itself to empowering consumers to make better and more informed financial decisions by providing choice, transparency, control and convenience. MortgageMarket not only provides home loan comparison services, it also pays consumers R5000 in guaranteed money just for using its platform to get a home loan.

Role: Managing Director: Home loans• Accountable for P/L of the home loan’s business: (profit before tax of R2.7bn) • Accountable for the growth and management of the home loans assets portfolio of (R225bn)• Accountable for the strategy and leadership for the home loans exco• Accountable for risk and governance in line with regulatory conductCommittees • Member of the Retail Banking Executive committee• Member of the Digital and Mobile Executive Committee• Member of the Retail Lending Credit Committee• Chairman of the Enterprise Risk and Governance Committee• Chairman of the Home loans Pricing Committee Total number of headcount responsible for: 1850 staff (8 direct reports)• 7: Executives heads of business units (exco)• 266: managers

Role: Executive Head; Sales and Client Value Management • Accountable for revenue generation function at Nedbank Home Loans • Accountable for the national sales portfolio and distribution strategy• Custodian of the client value management function (marketing strategy, consumer research, client engagement and product development)• Accountable for the home loans Client Value Proposition (CVP) management• Lead development of the strategic direction of the Home Loans front-end• Responsible for Home Loans pricing policy • Leadership of the sales and customer strategy MANCO • NII and NIR Management of the home loans business• Responsible for product governance and compliance Committees • Member of the Secured Lending Executive Committee (EXCO)• Member of the Digital and Mobile Executive Committee• Member of the Enterprise Risk and Governance Committee• Member of the Retail Lending Credit Committee• Chairman of the Home loans Pricing Committee Total number of headcount responsible for: 155 staff (8 direct reports)• 7: heads of business units (MANCO)• 26: managers• 8 business analysts • 90 sales consultants • 22 Call centre staffNotable achievement:• 2015 Nedbank home loans was award the best mortgage product in Africa by the Asian Banker Magazine.• Growth of the Home loans asset book to R82.7bn from R74bn in 2012 to date.• Chairman of the home loans pricing committee.• In 2013/14 presided over the growth of the home loans sales revenue by 27% from R8.2bn to R10.4bn. • Official Nedbank Spokesperson, (Home Loans division)

Role: Head: Digital Channel• Responsible for the overall Digital Channel’s function for secured lending.• Responsible for the development and implementation of the channel strategy and operational alignment.• Accountable for online sales and marketing. • Management of Capex and operating expenditure.• Responsible for business ROI and profitability. • Stakeholder management across the business units.Committees • Member of the digital and mobile committeeTotal staff head count: 6 direct reports• 3: product managers • 1: digital managers• 1: business analyst Notable achievement:• I led the team that launched the first end-to-end home loans online application channel in SA.• The online channel contributes 13% of the total application intake and sales revenue of home loans. • Over R3.5bn of home loans have been acquired through the channel in its first year.• The online channel has been formally positioned as the key differentiator of the home loans value proposition.

Role: Head: E-commerce Strategy and Emerging Markets • Responsible for the development and implementation of Clientele’s online sales and services strategy• Responsible for the development and implementation of the strategic marketing framework for Clientele Life• Responsible for the financial performance of the E-commerce and direct sales business unit• New markets strategy and planning (Kenya and Nigeria)• Management of the group’s retention strategy. Committees • Member of the Clientele Limited Management Committee (MANCO)• IFA Division, member of the executive committee (EXCO)• Member of the Group Marketing committee Total staff head count: 6 direct reports• 2: senior managers • 4: service managers• 3: business analysts Notable achievement:• Developed and launched Clientele Limited’s 3rd revenue channel. • I successfully invested R15m in capital expenditure in the development an online services and sales unit. In the first 12 months of launch to market, the channels successfully acquired 7500 new life insurance policy holders, 5300 hospital cash back policies and 1650 legal policies to the value of R7m in new premium revenue. After 18 months, the channel had an embedded value to more than R38m. • For the first time in the history of the company, clientele life policy holders were able to lodge beneficiary claims online and maintain their life policy profiles online.• Through the use of the online channel Clientele life was able to create a channel to acquire a new segment of the market (middle to affluent customers)

Role: Marketing Manager: • Responsible for online transactional banking platforms • Responsible for the formulation and management of the marketing strategic framework and tactical plans.• Online sales and e-forms acquisition targets. • Return on marketing investment (ROMI) reporting• Responsible for the integration of CRM technology into overall marketing mix across the group. • Business unit relationship management across the business. • Integration of digital strategies into the mainstream marketing mix. • Presentation to the group marketing executive committee.Total staff head count: 6 direct reports• 2: campaign managers • 4: web administrators Notable achievement:• I was part of the team that launched online share trading platform for retail clients, grew the number of active user accounts to over 1200 during my tenure. • A member of the team that launched the online share trading platform for retail. • Increase the website traffic on Nedbank.co.za from 500 000 visitors to 730 000 visitors (46% increase) during my 3 year tenure.• Grew the online transactional client base from 3.2 to 4.5 million clients, account for NIR growth of 16% over a 3 years period.

Role: Brand Manager: Confectionary category (Tic-Tac, Ferrero Rocher and Bisca)• Responsible for trade marketing programme.• Product pricing analysis and negotiations (import and export pricing) • Responsible for retail listing and negotiations.• Market research studies and analysis. • New product launches. • Development and management of advertising and marketing campaigns: ATL/BTL• Supplier/Client relationship management.Notable achievement:• I was responsible for listing new categories of confectionary lines into key retail chains in Gauteng and Durban. I was instrumental in the launch of 2 product line extension into the South African market, namely the Merba and Bisca brands.

Roles: Research and advertising executive • Research presentations to clients.• Analysis of qualitative and quantitative research data.• Assisting the project planning teams. • Advertising and brand health research. • Client service relationship management. • Analysis of research data (quantitative and qualitative). • Pricing research. • Client presentation of research studies.