Data Science

Credit Risk

Chartered Banker, web and data science tinkerer. I enjoy solving problems via the internet. 

As the Group Head of Strategic Credit Risk Relationships at OSB Group my role requires the delivery of insightful, commercially viable and pragmatic data driven solutions.I am considered a subject matter expert within all phases of the credit life cycle. My role gives me creative freedom to consider how best to implement and monitor customer focussed initiatives from rapid tech based credit decisioning, pre arrears strategies and collections customer segmentation. 

In 2021 my role has widened with additional responsibilities related to the banks wholistic approach to climate risk. Prior to joining OSB Group, I ran a banking risk and consumer consultancy practice in Johannesburg South Africa, with a mission to unlock the potential of big data for private and public organisations and based my approach on the principles used with an Enterprise risk management design.

In 2019 I started investigating the concepts around cryptocurrency and its application to traditional banking applications and see major potential. I currently support the Bitcoin and Dogecoin networks with the running of full node core software. 

As a Chartered Banker (2019), I hold a Master’s Degree (2010) in financial management and an honours degree in Investment Management (2008) from the University of Johannesburg and I live in London.