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.
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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.
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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.
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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.