Brighton Mabikwa

Nimble Credit Solutions invests in non-performing debt portfolios acquired from credit providers. The business helps clients accelerate cashflows and manage liquidity more efficiently.

As Pricing Manager, I lead the pricing and valuation of the debt portfolios across multiple jurisdictions. I oversee the use of advanced financial models and machine learning tool to assess risk-adjusted returns.

My work supports senior executives and investment committees in making capital allocation and acquisition decisions.

Key responsibilities

• Engage with debt sellers in due diligence and portfolio risk assessment to ensure that valuations are based on well-understood cashflow forecasts.
• Set valuation assumptions to align investment bids with the company’s risk-return appetite and resource constraints.
• Present investment proposals and pricing recommendations to the
  Investment Committee, providing clear insight into risk, assumptions, and expected financial outcomes to support investment decisions.
• providing clear executive-level insight into risks, assumptions, and expected financial outcomes to support capital allocation decisions.
• Lead, and be accountable for the performance of the pricing function. This includes resourcing, prioritisation, coaching analysts, and final sign-off of all pricing outputs.
• Own pricing model governance and refinement, ensuring methodologies remain aligned with business strategy, portfolio evolution, and changing economic conditions..

(Transitional role prior to promotion to Pricing Manager)

• Debt portfolio pricing – model development, enhancement and
  implementing.
• Identification and highlighting pricing risks, relevant trends based on
  internal and external data.
• Presentation of results to senior management.
• Streamlined data collection processes, improved efficiency.
  Identified trends in market behaviour using advanced statistical
  techniques.
• Maintained comprehensive price database, facilitated efficient
  retrieval of information.
• Led cross-functional projects to refine pricing strategy.

• Deployed pricing models to determine interest rates for retail loans,
  ensuring alignment with the bank's strategic and financial objectives.
• Prepared and delivered detailed pricing reports and presentations to
  senior management, directly influencing lending rate decisions.
• Analyzed key inputs (credit risk, cost of funds, depositor behaviour) to
  optimize loan pricing strategies, while applying a deep understanding
  of the bank's balance sheet and liquidity requirements to inform
  funding cost analysis

• Conducted insurance risk modelling and premium adequacy reviews
  for general and health insurance clients, ensuring pricing was both
  sustainable and profitable.
• Performed loss reserving valuations using actuarial methods (Chain
  Ladder, Bornhuetter-Ferguson) to calculate IBNR, IBNER, and OCR
  reserves, ensuring reserves accurately reflected potential future
  claims.
• Supported audits and regulatory compliance, helping clients maintain
  accurate financial reporting and meet industry standards.
• Analyzed claims data to identify cost drivers and recommended
  strategies for improved risk management.