Extensive banking experience specialising within the business risk and credit sectors in the development, implementation, and management of credit and risk policies, programmes and frameworks that control risks and secure sustained revenue and reputation. Comprehensive knowledge (15+ years’ credit experience) of the end-to-end credit process including collections and recoveries. credit risk principles in terms of Basel 2 and 3, risk frameworks, processes and procedures, risk identification and assessments, credit analysis in various industries including the micro-finance sector, regulatory and legislative requirements, Enterprise Wide Risk Management principles in terms of ISO 31000 standards, COSO risk governance principles and the understanding of the unique role of credit and sales in the organisation’s strategic growth objectives to attract quality business in a rapidly evolving environment.