“It is not the critic who counts; not the man who points out how the strong man stumbles, or where the doer of deeds could have done them better. The credit belongs to the man who is actually in the arena, whose face is marred by dust and sweat and blood; who strives valiantly; who errs, who comes short again and again, because there is no effort without error and shortcoming; but who does actually strive to do the deeds; who knows great enthusiasms, the great devotions; who spends himself in a worthy cause; who at the best knows in the end the triumph of high achievement, and who at the worst, if he fails, at least fails while daring greatly, so that his place shall never be with those cold and timid souls who neither know victory nor defeat.”
“Citizenship In A Republic”, delivered at the Sorbonne, in Paris, France on 23 April, 1910.
BANKING
WEB DEV
CREDIT RISK
CRYPTO
Who?
I am a Chartered Banker and Head of Department at a specialist lender in the United Kingdom. With a passion for solving complex problems using the internet, my role involves the delivery of commercially viable, data-driven solutions that align with the bank’s strategic objectives. This encompasses the bank’s operational activities and its risk management frameworks. I thrive on the creative freedom to design and implement customer-focused initiatives, ranging from rapid tech-based credit decisioning and insight generation from unconventional data sources to pre-arrears strategies and customer segmentation in collections.
In 2021, my responsibilities expanded to include oversight of the bank’s holistic approach to Climate Risk, in accordance with Prudential Regulatory Authority regulations. Before joining the lender, I led a banking risk and consumer consultancy practice in Johannesburg, South Africa, where I focused on unlocking the potential of big data for both private and public sector organizations.
My curiosity in cryptocurrency began in 2019, as I explored its application within traditional banking systems. I see immense potential in this space and actively support the Bitcoin and Dogecoin networks by running full node core software, with a focus on understanding the underlying fundamentals. Additionally, I provide a platform for secure access to Dogecoin wallets. More recently, I’ve been delving into Decentralized Finance (DeFi) and its implications for the future of financial services. I firmly believe that anyone who has deeply explored crypto assets can appreciate their transformative potential. Whether you’re a skeptic or a believer, I invite you to engage with the ideas I present here, which are either my own or clearly attributed to others.
As a Chartered Banker (2019), I hold a Master’s degree in Financial Management (2010) and an Honours degree in Investment Management (2008) from the University of Johannesburg. Based in London, I welcome discussions on the topics I write about—feel free to reach out.
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