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.