Seasoned Senior Manager with 20+ years of expertise in ICT, fintech, and telecommunications, driving digital transformation, AI innovation, and financial inclusion across emerging markets. Proven success in leading multi-million-dollar initiatives to boost smartphone adoption, 4G rollout, and AI-powered credit solutions, enhancing Vodacom’s leadership. Adept at leveraging AI/ML, financial modelling, and cross-functional collaboration to optimise sales, credit risk, and enterprise growth. Strategic partner to global institutions and technology leaders, scaling digital ecosystems and alternative finance models. Academic contributor, bridging industry practice with research.