Cindy Lombaard
Darlington,Greater London
Summary
Strategic and hands-on credit risk leader with over 20 years of experience across the UK and South Africa, specializing in unsecured lending, credit card portfolio management, and fraud prevention. Proven track record of leading analytical teams to deliver sustainable, commercially sound credit strategies in dynamic and regulated environments. Highly experienced in credit risk modelling, NPV and affordability frameworks, and driving cross-functional alignment across capital, finance, collections, and compliance functions. Technically fluent in SAS, SQL, and Agile methodologies. Adept at building scalable, data-driven lending products that balance risk and growth.
Overview
20
20
years of professional experience
5
5
years of post-secondary education
Work history
Senior Consultant, Fraud Advisors Practice
FICO
UK
2019.12 - Current
- Provide strategic fraud and risk advisory to financial institutions implementing FICO products.
- Lead development of fraud detection and prevention strategies aligned with regulatory expectations.
- Contribute to initial client setup and product configuration, promoting scalable fraud solutions.
- Present at industry events including Falcon User Group.
Independent consultant
SpatialEdge
South Africa
2018.04 - 2019.11
- Led business requirements gathering and translation into technical solutions for Customer Value Management projects.
- Built prototypes (Python/PySpark) for network data solutions, later scaled by production teams.
- Served as acting Scrum Master within Agile delivery teams.
Co-Founder and CEO
Revelate AI
South Africa
2016.07 - 2018.03
- Founded a boutique analytics consultancy delivering modelling services to SMEs.
- Responsible for demand generation, and oversaw client engagement, analytics strategy, operations, and cashflow management.
Head of Portfolio Management
JUMO
South Africa
2015.10 - 2016.05
- Directed a team of 6 analysts to manage the credit and portfolio risk of nano-credit mobile lending.
- Developed commercial and risk assessment strategies for product launches.
- Worked across credit, fraud, marketing and finance to align business viability with risk tolerance.
- Member of senior leadership team influencing lending strategy at executive level.
Head of Credit Card & Portfolio Performance
Woolworths Financial Service
South Africa
2011.04 - 2015.09
- Led strategy for Credit Card P&L, growing spend and balances while managing risk.
- Managed impairment forecasting, profitability modelling, and 3rd-party (Barclays/Absa) reporting.
- Oversaw multiple cross-functional frameworks: payments, collections, fraud, and risk.
- Delivered a 70% increase in credit exposure and 11% approval uplift through scorecard strategy redesign.
- Chaired Corporate Social Investment Committee and led onboarding initiatives.
Team Leader & Senior Analyst
Barclaycard
UK
2007.03 - 2011.03
- Directed analytics delivery for Global Payment Acceptance (GPA), improving campaign ROI.
- Developed long-term forecasting models reducing turnaround from 3 days to a few hours.
- Led reactive credit limit strategies and customer retention optimisation for existing customers.
Credit Systems Analyst
Lloyds TSB
UK
2005.03 - 2007.02
- Led multi-bureau data integration and scorecard validation initiatives.
- Contributed to affordability automation and over-indebtedness analysis projects.
Education
Postgraduate Diploma - Leadership
University of Stellenbosch Business School
Stellenbosch, UK 2012.01 - 2012.12
Hons. Bachelor of Science - Data Mining
North-West University
Potchefstroom, South Africa 2004.01 - 2004.12
Bachelor of Commerce - Quantitative Risk Management
North-West University
Potchefstroom, South Africa 2001.01 - 2003.12
Skills
- Unsecured Lending & Credit Card Strategy
- Credit Risk & Impairment Forecasting
- Portfolio Growth & Commercial Optimisation
- NPV Modelling & Affordability Strategies
- People Leadership & Team Development
- Stakeholder Engagement & Regulatory Compliance
- SAS / SQL / Python / Agile Methodologies
Affiliations
- When I'm not living the dream at work, you'll probably find me rescuing dogs, reading autobiographies or loudly cheering for my favourite tennis players, rugby, cricket, football or F1 teams.
Timeline
Senior Consultant, Fraud Advisors Practice
FICO
2019.12 - Current
Independent consultant
SpatialEdge
2018.04 - 2019.11
Co-Founder and CEO
Revelate AI
2016.07 - 2018.03
Head of Portfolio Management
JUMO
2015.10 - 2016.05
Postgraduate Diploma - Leadership
University of Stellenbosch Business School
2012.01 - 2012.12
Head of Credit Card & Portfolio Performance
Woolworths Financial Service
2011.04 - 2015.09
Team Leader & Senior Analyst
Barclaycard
2007.03 - 2011.03
Credit Systems Analyst
Lloyds TSB
2005.03 - 2007.02
Hons. Bachelor of Science - Data Mining
North-West University
2004.01 - 2004.12
Bachelor of Commerce - Quantitative Risk Management
North-West University
2001.01 - 2003.12