Belinda Ncube
Summary
Experienced finance professional with a proven track record in risk management, credit assessment, and optimizing portfolio health. Recognized for meticulous research and thorough client risk evaluation, enhancing overall business stability. Dedicated to incorporating data science expertise into financial strategies, currently pursuing studies in Data Science and Computer Science to facilitate a career transition.
Overview
11
11
years of professional experience
6
6
years of post-secondary education
Work history
Business Credit Analyst
First National Bank (FNB)
Johannesburg
05.2020 - Current
- Challenged with enhancing credit risk management performance and boosting collections revenue within the credit management department
- Collaborate proactively with portfolio managers and credit analysts to identify areas for improvement while conducting in-depth analyses of credit portfolios, assessing risk factors, and proposing strategic solutions
- Spearhead efforts that lead to a notable increase in overdraft limit reduction collections while consistently surpassing the benchmark target of 70%
- Demonstrating outstanding performance by achieving and winning of monthly cash incentives in recognition of surpassing key collection targets
- Improve credit risk management protocols, resulting in enhanced overall collections revenue for the organization
- Facilitate cross-functional collaboration, fostering a culture of teamwork and shared expertise that significantly contributes to the department's success.
Business Banker
First National Bank (FNB)
Randburg
08.2016 - 04.2020
- Maintained expert knowledge on specific products, pricing, application procedures, processing, and timelines to drive and achieve relevant sales and service targets
- Delivered exceptional service through innovative and appropriate solutions that exceed customer expectations
- Specialized in credit facilities including overdrafts, credit cards, and business loans
- Managed account closures, card limit increases, and changes in pricing rates
- Handled generic hand-offs and tracked missing payments, debit order reversals, and stop payments
- Generate bank letters such as Letter of Good Standing, Account Confirmation letters, Bank Codes, and Bank Rating letters.
Multi-skilled Sales Consultant (Inbound and Outbound)
First National Bank (FNB)
Fairland
06.2013 - 07.2016
- Effectively marketed a spectrum of financial products within the First Rand Group, including Transactional Products (current accounts and savings), Credit Cards, Investment Accounts (Long Term Deposits Category 1.17), and Smart Devices (Mobile Phones, Laptops, Tablets, and Entertainment)
- Captured client details with precision, ensuring accurate enrollment in the appropriate products
- Conducted remote funding activities to encourage clients to maximize the utility of their accounts
- Demonstrated commitment to exceptional customer service, adhering to all relevant procedures, and ensuring compliance with NCA and FAIS laws in every interaction
- Handled a spectrum of customer service queries, complaints, and escalations, ensuring prompt and effective resolution.
Education
Bachelor of Science - Computer Science
University of the People
Pasadena, USA 01.2024 -
Data Science Program -
ALX Africa / Explore AI Academy
Johannesburg, GP 09.2023 - 07.2024
8 Meta Skills - Work readiness Skills (Soft and Technical)
ALX Africa
Johannesburg, GP 05.2023 - 07.2024
Bachelors Degree - Biblical Studies
Destiny College International
Florida, USA 01.2019 - 11.2022
National Diploma - Technical Financial Accounting: Accounting - undefined
Institute of Certified Bookkeepers (ICB)
NCS Grade 12 - Pass with bachelor's degree
Sir Isaac Newton
Johannesburg, GPSkills
- Data analysis
- Credit risk management
- Decision-maker & Problem-solver
- Effective Communication
- Python (Numpy, pandas)
- MySQL
- Power BI
- Excel (pivot tables, VLOOKUP, conditional formatting)
- Regression
- Supervised and Unsupervised Learning
- AWS Foundations
INTERESTS
- TED Talks
- Udemy
- Toastmasters
- Hiking
- Reading
References
References available upon request.
Timeline
Bachelor of Science - Computer Science
University of the People
01.2024 -
Data Science Program -
ALX Africa / Explore AI Academy
09.2023 - 07.2024
8 Meta Skills - Work readiness Skills (Soft and Technical)
ALX Africa
05.2023 - 07.2024
Business Credit Analyst
First National Bank (FNB)
05.2020 - Current
Bachelors Degree - Biblical Studies
Destiny College International
01.2019 - 11.2022
Business Banker
First National Bank (FNB)
08.2016 - 04.2020
Multi-skilled Sales Consultant (Inbound and Outbound)
First National Bank (FNB)
06.2013 - 07.2016
National Diploma - Technical Financial Accounting: Accounting - undefined
Institute of Certified Bookkeepers (ICB)
NCS Grade 12 - Pass with bachelor's degree
Sir Isaac Newton
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