MALEBO TSHEGOFATSO MOLEBATSI

• Led the implementation and execution of the 4 Vehicle and Asset Finance risk adjusted pricing strategies being Commercial Asset Finance, Retail, Fleet, and Wholesale Finance portfolios, ensuring alignment with profitability and market competitiveness goals.
• Drove profit optimization initiatives by leveraging risk-based pricing models (Fully or Variable Costed Methodologies), portfolio analysis, and customer segmentation to adjust pricing levers and enhance margin performance. This was done through leveraging of SAS and SQL, enabling data-driven adjustments that improved portfolio margin performance.
• Automated pricing and profitability analytics in Scenario Management Tool (SMT) , streamlining reporting cycles and accelerating insight delivery to stakeholders. This assisted in leveraging the clients holistic overall profitability across the Bank, to make more informed decisions.
• Adjusted the Commercial Asset Finance RoE models to reflect and evaluate the financial impact of subventions and delayed revenue recognition, supporting real-time pricing adjustments and long-term profitability tracking.
• Developed and executed annual fee pricing strategies, ensuring fees reflected service value, market benchmarks, and aligning with strategic objectives for the different portfolios.
• Partnered cross-functionally with Finance, Risk, and Product teams to monitor portfolio performance and adjust pricing strategies proactively based on market dynamics and customer behavior.
• Partnered with Treasury to embed capital allocation methodologies. In addition, directed the integration of Treasury inputs — including Fund Transfer Pricing (FTP) and cost of capital — into pricing frameworks, ensuring accurate measurement of product profitability and return on equity (ROE).
• Delivered insights and reporting to Senior leadership, supporting informed decision-making and tracking of key revenue and pricing KPIs.
• Identified and closed revenue leakage gaps through data analysis, stakeholder collaboration, and process redesign, contributing to improved revenue assurance and reduced financial loss.
• Designed ROE models that incorporate residual values prepaid portfolios treatment, and profit sharing to evaluate profitability at product and customer-segment levels, supporting strategic pricing and capital allocation.
• Designed and automated incentive commission calculations for dealers using PowerCurve and Laserfiche, to ensure the appropriate level of dealer incentive commission is paid, ensuring transparency, accuracy, and alignment with sales performance and profit objectives.
• Analyzed portfolio performance of Managed Maintenance and Fleet services, identifying cost-to-serve dynamics and proposing pricing adjustments to maximize net contribution.
• Ensured compliance for all Return on Equity Models for Technical Committee and Model Approval Committee. Semiannual monitoring was effected to ensure that the models were working as instructed through dupont analysis and back testing.
• Strengthened communication skills through regular interactions with others.
• Used strong analytical and problem-solving skills to develop effective solutions for challenging situations.

Compilation of the monthly and quarterly Executive reports to inform the stakeholders on the performance of the portfolio across 14 countries. This would include Group Risk Oversight Committee, PBB Rest of Africa Executive Report, Group Risk and Capital Management Committee, PBB Credit Governance Committee, PBB Credit Risk Management Committee etc.

• Managing and updating the database for the Economic groupings as well as cross border exposures between Rest of Africa and South Africa.
• Analyzing the exchange rate impact on the portfolio; Local currencies (Rest of Africa) vs. ZAR. This entails comparing the performance of each portfolio on a constant currency basis and the non-constant currency to analyze the impact of the exchange rates on the portfolio.
• Managing the portfolio per delinquency bucket and Non-Performing Loans.
• Monitoring of the roll rates between the delinquency buckets: roll forwards, roll backwards, cure and milling rates.
• Managing the Credit loss ratio within the set budget numbers as well as the risk appetite.
• Ensuring that all products are within acceptable Provision adequacy levels according to the policies set as well as the budget. This also includes the Income statement and Balance sheet provisions.
• Analyze the impact of the stresses that each country faces that might potentially impact the portfolio; this includes the macro-economic and political factors.
• Working closely with internal Clients and Countries and all the supporting teams such a business to ensure that the portfolio is performing at acceptable levels.
• Analyzing the residual and inherent risk of the key metrics that are tracked monthly. This includes, Credit Capabilities (processes, systems and people), Non-Performing Loans, Credit Loss Ratio and Income Statement Impairment charge.
• Analyze and understand the sectors that we are currently lending to and that they are in alignment to the overall strategy of PBB RoA.
• Producing and compiling credit analysis regarding PBB Rest of Africa portfolio for external stakeholders such as Fitch, Moody's and South African Reserve Bank.
• Offering support and knowledge sharing with the 14 countries.
• Provision of in-depth data analysis, trending, forecasting and reporting to provide meaningful management information to be used in the day-to-day decision-making process.
• Streamlined client reporting process, significantly improving communication and transparency with stakeholders.

• Managing the portfolio per the 3 delinquency bucket and Non-Performing Loans.
• Monitoring of the roll rates between the delinquency buckets: roll forwards, roll backwards, cure and milling rates.
• Managing the Credit loss ratio within the set budget numbers as well as the risk appetite.
• Ensuring that all products are within acceptable Provision adequacy levels according to the policies set as well as the budget. This also includes the Income statement and Balance sheet provisions.
• Inform stakeholders such as the Credit Risk Management Committees, Governance Committees, and Executive Committee etc. regarding the monthly and quarterly performance of the portfolio
• Comparing the performance of each portfolio on a constant currency basis and the non-constant currency to analyze the impact of the exchange rates on the portfolio.
• Analyze the impact of the stresses that each country faces that might potentially impact the portfolio; this includes the macro-economic and political factors.
• Working closely with internal Clients and Countries and all the supporting teams such a business to ensure that the portfolio is performing at acceptable levels.
• Compilation of the monthly Executive reports.
• Analyzing the residual and inherent risk of the key metrics that are tracked on a monthly basis. This includes, Credit Capabilities (processes, systems and people), Non Performing Loans, Credit Loss Ratio and Income Statement Impairment charge.
• Analyze and understand the sectors that we are currently lending to and that they are in alignment to the overall strategy of PBB RoA.
• Producing and compiling credit analysis regarding PBB Rest of Africa portfolio for external stakeholders such as Fitch, Moody's and South African Reserve Bank.
• Offering support and knowledge sharing with the countries.
• Provision of in-depth data analysis, trending, forecasting and reporting to provide meaningful management information to be used in the day-to-day decision-making process.
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• Presented detailed reports on portfolio performance, highlighting key drivers of growth and areas of improvement.
• Managing the portfolio performance by looking at metrics such as Pre-Performing Loans (Pre-NPLs), Non-Performing Loans (NPLs), Credit Loss Ratio, Provision Adequacy, Balance Sheet and Income statement Impairment Charges.
• Managing the Risk Appetite for Countries across the different portfolios as well as segments.
• Managing the Stress testing for different portfolios across Africa.
• Working closely with internal Clients and Countries especially the product team to ensure that new business fall within the target markets set during the Risk Appetite discussions.
• Analyzing the earnings and credit losses volatility of the risk involved in the risk appetite.
• Further analysis to assist in shaping the portfolio planning and forecasting.
• Analyze data with respect to credit account management strategy.
• Compilation of the monthly Executive Committee reports.
• Analyzing and giving advice on the parameter changes proposed by the countries to the Credit Risk Management Committee.
• Analyzing the Product margins that countries are currently using versus the Risk Appetite Margins.
• Analyzing the Segmentation Pricing across products- PBB dashboard.
• Performing Adhoc analysis on Portfolio triggers such as Pre-Performing loans, Non-Performing loans and Credit Loss Ratio.
• Offering support and sharing of knowledge with countries.
• Manage the portfolios though the concentration limits for each country per portfolio.
• Provision of in-depth data analysis, trending, forecasting and reporting to provide meaningful management information to be used in the day to day decision making process.

• Managing Risk taken by the bank through Vehicle asset finance, unsecured personal loans (Overdrafts and term loans), Credit card and Home Loans in the respective African Countries.
• Further analysis to assist in shaping the portfolio planning and forecasting.
• Analyze data with respect to credit account management strategy.
• Analyze data with regards to regression, and statistical measures focusing on economic trends.
• Institutionalizing regulation within country.
• Compilation of the monthly Executive Committee reports.
• Analyzing and giving advice on the parameter changes proposed by the countries to the Credit Risk Management Committee.

• Understanding the client's business environment (processes, markets, policies and procedures) in order to advise clients to consider changing or updating implemented solutions if deemed necessary.
• Exploration, constructing, cleaning, analyzing and interpreting data.
• Presenting output from data analysis to give clients clear understanding of their credit books over a period of time.
• Compiling different risk reports for clients e.g. Vintage Delinquency report.
• Utilizing various communication and reporting methods for clients to ensure that the output and recommendations are presented to the client in an understandable manner.
• Monitoring Scorecards and portfolios for clients.
• Identifying data trends, patterns, data mining and warehousing.
• Performing some Ad-hoc analysis for clients.
• Beware of the current Economic trends that might affect client's business.
• Analytical and Decision Services

• Assisted about 30 student per sitting with statistical problems using SAS.
• Created and designed quizzes, tests and projects to assess student knowledge for 3rd year Statistics students.
• Developed strong rapport with students through clear communication, empathy, and genuine interest in their academic growth.
• Evaluated student performance fairly by implementing varied assessment techniques, ensuring accurate knowledge measurement especially for the first year Statistics Students.
• Performed various general administrative tasks such as filing, recordkeeping and taking marking tests.

• Cleansing the data for any duplications or unwanted additional information.
• Modelling the data and interpretations.
• Data capturing.
• Excellent communication skills, both verbal and written.
• Self-motivated, with a strong sense of personal responsibility.
• Proven ability to learn quickly and adapt to new situations.

• Consulting for 1st year Thuthuka Statistics students.
• Setting and marking minor tests for students.
• Assisted the students with practical's using Excel.
• Assisted the students to be above average and some of the students were in the top ten of the entire 1st year Statistics group.

• Participated in data aligning of the computer program to translate English vocabulary to Tswana.
• Skilled at working independently and collaboratively in a team environment.
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• Assigned Administration duties.
• Helped with the rescuing of flood victims.
• Allocating temporary shelter, tents and food to the flood victims.
• In charge of buying food for the rescuers.
• Writing up reports on the welfare of the flood victims.

• Prepared quizzes, tests and examinations to gauge how well students were learning. This was for Standard 5 Learners.
• Managed classroom behavior effectively by establishing clear expectations, modeling appropriate conduct, and consistently enforcing established rules and consequences.
• Identified struggling students early on and provided additional support through tutoring sessions and modified lesson plans.
• Maintained accurate records of student progress, attendance, and behavior to facilitate ongoing communication with parents about their child's educational journey.
• Completed student progress reports mid-term to notify students and parents of strengths and areas of improvement.