Numbers are
the method.
People are the point.
I work in credit risk and banking analytics. I drive business bank strategy by developing insights through data. I also run an Afrocentric label, lift weights, write about economics and markets, and chaired a Toastmasters club.
Data is only useful
when it changes a decision.
I drive credit strategy for business clients at Capitec Bank. The work decides who the bank lends to, at what risk, and on what terms.
I have done that at two scales. At Standard Bank I was the credit analyst for businesses turning over R5m to R400m, across transport, manufacturing, retail, investments and franchising. I structured deals, wrote credit papers, presented to credit committees, managed portfolios and led restructures, one client at a time. At Capitec I work the same problem at portfolio scale, shaping the strategy that decides for thousands of businesses at once.
The route here was broad on purpose. Economic consulting at Nova Economics, data analytics at Shell SA, business analysis and French interpretation at Evesis, then credit at Standard Bank and Capitec. Each role added something the next one needed: economic reasoning, data fluency, and the ability to translate between technical and non-technical rooms.
Two Master's degrees from Stellenbosch University, in Economics and Industrial Engineering. Numbers and systems thinking, in one head. AWS, Python, PostgreSQL and Power BI day to day, R and econometrics from the academic side. I move between SQL, code, dashboards and credit committee presentations without changing gear.
What I am known for is turning messy data into clear, defensible credit decisions, bridging analytics teams and business stakeholders, and working across industries and client segments in both English and French.
Most credit models predict default.
The useful ones predict it early.
Five years building cloud-native risk systems on AWS: early-warning models, default-curve forecasting, strain monitoring and automated executive reporting.
Senior Data Analyst, Credit Risk
- Protected over R200 million in credit exposure by architecting and deploying the bank's first Credit Account Management (CAM) system on AWS SageMaker, a Red/Amber/Green risk-tiering model that flagged a high-risk cohort carrying a 25% twelve-month default rate. (PostgreSQL, Python, Power BI)
- Integrated Experian bureau early-warning triggers (ARODS policy rules) into the CAM dashboard, giving the business its first systematic weekly view of external credit risk and enabling intervention before default.
- Automated the extraction of government legal gazette PDF documents in Python, screening liquidation, business-rescue and judgment notices against the client book and protecting millions of rands in credit exposure.
- Forecasted twelve-month overdraft default curves across origination vintages using a vintage-triangle model, flagging high-risk cohorts months before they matured. (Python)
- Built a monthly strain-monitoring model that scores the entire business transactional book, overdraft and non-overdraft, using IV/WoE/KS screening to rank predictive features and set Red/Amber/Green thresholds. (Redshift, Python)
- Author the monthly CLS Intelligence Brief, translating macro-economic and sector data into actionable credit insight for the business-banking team.
Data Analyst, Unsecured Credit
- Grew overdraft sales by over 100% in volume and value with near-zero defaults, leading the analytics behind the business bank's first Overdraft Limit Increase campaign.
- Designed the targeting rules that selected high-quality customers for limit increases, balancing growth against credit risk.
Commercial Credit Analyst
- Achieved around 80% approval across business-client credit assessments from ZAR 5M to ZAR 400M turnover.
- Structured overdrafts, term loans, asset and property finance. Wrote credit papers, presented to credit committees and led restructures.
Graduate Analyst, Business & Commercial Banking
- Rated the top-performing graduate in the team and awarded the Beyond Excellence Award for Risk Management.
- Detected and remediated AML and FICA non-compliant accounts during a rotational programme.
Project Associate & Analyst
- Directed a cross-border fintech project for the DRC's central reserve bank in partnership with Orange.
- Trained the in-country team and led all client communication and interpretation in French.
Data Analyst
- Delivered quick-turnaround insights during a data-focused internship, working in Excel and interpreting operational data for the team.
Management Consultant
- Completed a consulting internship focused on economic problem-solving and structured research, applying analytical thinking to live business cases in Stellenbosch.
Engineering depth,
credit-risk judgement.
Technical
- Python
- SQL / PostgreSQL
- AWS SageMaker
- Power BI
- R
Analytics & methods
- Early-warning and RAG models
- Vintage forecasting
- Econometrics
- IV / WoE / KS screening
- Cloud pipelines
Domain
- Credit risk and strategy
- Financial statement analysis
- Portfolio analytics
- Commercial credit
- Compliance (AML / FICA)
MEng, Industrial Engineering
Thesis: a framework using quantitative methods to detect financial statement anomalies and fraud during the loan application process. It scores the level of fraud present in a client's financial statements, so credit teams can act at application rather than after default.
MCom, Economic Sciences
Research project in R on migrant labour health in the Kimberley mines, 1895 to 1940 (70%). The finding ran against the assumption: mineworkers living in hostels were measurably safer than those in the informal settlements where people of colour were forced to reside, which were the breeding ground for illness.
BCom (Honours), Economics
Thesis: a critical analysis of the interest rate benchmark reform, from a South African perspective (77%). Alongside the degree: Consulting Society, mentor and multicultural portfolio, student assistant, graduate programme chairperson, and international student intern.
Behavioural Economics Winter School
Behavioural economics taught and applied in Python.
BCom, Economics & Investment Management
Alongside the degree: Consulting Society and pro bono team, Investment Management Society, and the mentor programme.
Honours & awards
- Postgraduate Research Funding, Industrial Engineering (2023)
- Beyond Excellence Award for Risk Management, Standard Bank (2022)
- Postgraduate Research Scholarship, MCom Economics (2021)
- HB & MJ Thom Award, awarded twice for leadership (2019)
Certifications
- AWS SageMaker · Data Engineering Foundations
- McKinsey Forward Program
- Corporate Financial Statement Analysis
- RE5 Regulatory Examination, all FSP categories
Languages
A CV is not a record.
It is an argument.
Career services built on banking recruitment exposure, credit-committee writing, and Toastmasters coaching.
- CV writing and reviewA full rewrite that leads with impact and speaks the language recruiters read, tailored to your target roles, with a review call to walk through every change.
- Career and interview coachingInterview preparation, presenting your work with confidence, and planning the next move, informed by experience on both sides of the hiring table.
- 01
Tell me what you need and where you are aiming.
- 02
I send a quote and a timeline before any work starts.
- 03
We work directly together until you are happy with the result.
Fabric is not decoration.
It is a language.
An Afrocentric store for women, specialising in African fabrics, clothing and cosmetics, founded in 2018. Bold. Brave. Beautiful.
What we carry
A curated range of Afrocentric pieces, from statement fabrics to everyday wear and beauty essentials.
Founded and run by me
An independent venture alongside a full analytics career, and a long-running interest in African heritage and entrepreneurship.
Headwrap
Bold African print headwraps, made to crown every look.
Launching soonNotebook
A FLOWW notebook for the plans, the dreams and the lists.
Launching soonShea Butter Cream
Rich, natural shea butter care for skin that glows.
Launching soonFLOWW Mug
Your morning reminder: bold, brave, beautiful.
Launching soonMarkets move on numbers.
They turn on stories.
Writing on economics and credit, and an ongoing record of training, nutrition and the habits behind sustained performance.
Business Day
Benchmark rates, including in SA, get reformed and renamed
An evaluation of South Africa's interest rate benchmark reform, and what the shift away from legacy benchmarks means for borrowers and lenders. Co-authored with Mike Lamont, published on BusinessLIVE.
Consistency is not intensity
Workouts, progress and the discipline of showing up, documented day to day rather than only on the good weeks.
Habits over hacks
Nutrition, rest and the routines that make high performance possible, at work and beyond it.
A career is what you build.
A community is what you leave.
Club President
Toastmasters International, 2025 to July 2026. I led the club executive committee, developing members' public-speaking and leadership skills.
Founder
FLOWW.shop_, 2018 to present. An ongoing exercise in entrepreneurship, community and African design.
Mentorship
Stellenbosch University, 2016 to 2022. Residence leadership, peer mentoring and economics teaching-assistant roles. HB & MJ Thom Award, twice.
Toastmasters open evening
An open club evening for anyone curious about public speaking and leadership. Come listen, meet the members, and try a short speech if you are feeling brave.
Community mentorship session
A session for students and early-career analysts on breaking into banking and analytics. Get in touch to register interest.
Coffee, Career, Catch up
or Credit.
For roles, collaborations, speaking or just to say hello. The calendar shows live availability and confirms instantly.