Bridging the gap between Business, Data Science and Technology
Areas of Expertise:
18+ years strategic leadership in banking and finance
- Transformative leadership across retail lending underpinned by quantitative analytics and risk management with niche expertise in credit risk.
- Experience extends across financial risk, quantitative analytics, predictive modelling, big data, lending and process optimisation/automation.
- Complimentary experience extends to functional team leadership, stakeholder engagement at various levels (committees, c-suite, boards), documentation, and presentations.
- High analytical and strategic business acumen with a bias for action and the ability to adapt, manage, train and influence diverse audiences.
- Experience from startup, emerging and mature organisations.
Credit Risk Management: Development, maintenance and ownership
- Focus on the end-to-end credit lifecycle including training, coaching and capacity/capability building.
- Credit: Serviceability, policy management and review, regulatory compliance, establishment and maintenance of risk frameworks, qualitative and quantitative risk appetite statements, risk-based lending and portfolio strategies, emerging risk analysis, collateral valuation processes and methodologies.
- Analytics: predictive modelling, risk analytics, scoring, portfolio monitoring evaluation and analysis, risk-based pricing development and maintenance, automated credit decision engines.
Lending Product: Mortgages, other secured and unsecured lending
- Continuous improvement supported by driving innovative solutions through big data, systemisation and automation.
- Product Management: Product reviews, acquisition process reviews, financial and predictive modelling, digitisation, optimisation and reporting.
- Systems: Credit application system specifications, third party supplier management, scoring systems, interaction testing, proposals.
Key Projects
- Credit strategy and policy rewrite for the mortgages product in Australia as well as country wide strategies and policy in Southern Africa achieving simplifications and ability to scale, through automation and straight through processing.
- Introduction of quantitative risk-based processes and assessment for lending resulting in risk-adjusted profitability management.
- Review and redevelopment of the financial credit risk appetite statement utilising quantitative and profitability techniques.
- Overhaul of the serviceability methodology to maximise lending and implementation of negative gearing with APRA engagement.
- Redevelopment of property valuation strategies to maximise automation, cut turnaround time and save costs.
- Integration of credit risk management and analytics functions across three distinct mortgage-lending entities, facilitating a unified risk management strategy that enhanced operational efficiencies and cost savings.
Credentials
- MBA with distinction (Warwick Business School UK)
- ▪Dissertation: Attitudes towards automation in financial services
- MSc Applied Statistics (Penn State University USA)
- BSc Financial/Actuarial Mathematics (University of Pretoria)
- Fellowship of FINSIA (Financial Services Institute of Australasia)
- Member of AICD (Australian Institute of Company Directors)
- Professional Natural Scientist (SA Council of Natural Professions)
Community
- Chaired and co-founded a neighbourhood watch non-for-profit organisation.
- Previously a group scouter and treasurer of a scout group.
- Member of MENSA Australia
Contact Email:
Linkedin:
Contact Phone: +61 476 762 647