Pabalelo Mokgabo Tshenkeng
Reporting Analyst
Sandton, Johannesburg
Summary
Proactive Credit Risk Manager with strong background in financial analysis, data analysis and risk analysis. Credit Risk Manager who is experienced in financial statement review. Well-versed in producing reports, developing automation tools to improve process efficiency. Meticulous, conscientious and methodical in approach.
Overview
10
10
years of professional experience
13
13
years of post-secondary education
Work History
Reporting Analyst (Contractor)
BMW Group-Dealer Network
04.2024 - Current
- Ensured data integrity by performing regular audits on reports, leading to increased trust in the information presented.
- Automated repetitive tasks, freeing up time for more strategic initiatives and reducing manual errors in reporting.
- Applied advanced Excel functions and filters to support infrastructure.
- Optimized database performance by identifying bottlenecks and implementing necessary changes.
- Enhanced data accuracy by implementing advanced reporting tools and techniques.
- Presented findings from complex analyses to both technical and non-technical audiences in an easily digestible format.
Credit Analyst
Solarise Africa
08.2023 - 02.2024
- Conducted industry, business and risk analysis on corporate clients across the regions-Kenya, Uganda and South Africa
- Assessed applications for new clients through calculating and analysis financial ratios and metrics
- Assisted with portfolio reporting
- Secretary of the Investment Committee and Board Projects Committee
- Delivered accurate risk ratings by consistently evaluating borrowers'' financial health, competitive positioning, and market dynamics.
- Assisted in maintaining a diversified portfolio through thoughtful selection of new customers based on rigorous credit analysis standards.
- Supported the sales team in negotiating favorable terms, balancing business growth and credit risks effectively.
Credit Manager
Tata Africa Holdings
02.2021 - 02.2023
- Market liaison and credit support for Kenya, Ghana, Tanzania, Zambia and Nigeria
- Responsible for automation projects and data visualisation
- Prepare and present credit cases to the Advisory Management Committee
- Responsible for updating the AFCL Credit Policy
- Responsible for developing credit assessment tools
- Department liaison for external business partners
- Assist with departmental reporting
- Responsible for process design and developing Standard Operating Processes
- Responsible for departmental training and the knowledge hub
Specialist-Corporate Credit
BMW Financial Services
06.2017 - 01.2021
- Review and approve credit analysis conducted by junior analysts in the department
- Collateral management in liaison with the legal department
- Report writing for credit cases
- Prepare and present credit cases to the Local and Regional Credit
- Committee (Headquarters‑Munich)
- Responsible for departmental reporting
- Development of early warning system
- Update of local credit risk regulations
- Approval of transactional requests from clients (overdrafts etc).
- Identify credit risks and mitigations
Retail Credit Analyst
BMW Financial Services
03.2015 - 05.2017
- Assessed credit risk and analyzed financial statements.
- Made decisions and recommendations about extending lines of credit.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
- Collaborated with other teams to identify and mitigate risks impacting organization.
- Participated in loan committee meetings to provide input on lending processes.
Graduate
BMW South Africa
03.2014 - 02.2015
- Prepare reports for procurement engineers
- Manage supplier database
- Load vendor applications
- Prepare tender documentation
- Prepare presentations for the Management Committee
Education
Mcom Quantitative Finance - Quantitative Finance
University of Johannesburg
Johannesburg 01.2023 - Current
Certificate-Management - Management
London Business School
Management Certificate 06.2021 - 06.2022
Honours Degree - Economic Sciences
University of South Africa
Pretoria, South Africa 01.2015 - 05.2017
Bachelor's degree - Economic Sciences
University of Pretoria
Pretoria, South Africa 01.2008 - 05.2012
National Senior Certificate -
Pretoria High School For Girls
Pretoria, South Africa 01.2003 - 05.2007
Skills
Microsoft Power BI
Accomplishments
Headgirl Pretoria High School for Girls
PRO Provincial SRC
South African Ambassador at the Global Young Leaders Conference in the USA.
References
Marcel Dzik
Chief Operating Officer: BMW Switzerland
+44 7940 297048
Marian Ochieng
Head of Credit: Tata Group
+254 721 606 698
Jemane Canavan
Head of Operations: AFCL RSA (Tata Group)
078 563 7942
Marinda Nel
Chief Operating Officer: BMW Dealership Group
082 8752868
Timeline
Reporting Analyst (Contractor)
BMW Group-Dealer Network
04.2024 - Current
Credit Analyst
Solarise Africa
08.2023 - 02.2024
Mcom Quantitative Finance - Quantitative Finance
University of Johannesburg
01.2023 - Current
Certificate-Management - Management
London Business School
06.2021 - 06.2022
Credit Manager
Tata Africa Holdings
02.2021 - 02.2023
Specialist-Corporate Credit
BMW Financial Services
06.2017 - 01.2021
Retail Credit Analyst
BMW Financial Services
03.2015 - 05.2017
Honours Degree - Economic Sciences
University of South Africa
01.2015 - 05.2017
Graduate
BMW South Africa
03.2014 - 02.2015
Bachelor's degree - Economic Sciences
University of Pretoria
01.2008 - 05.2012
National Senior Certificate -
Pretoria High School For Girls
01.2003 - 05.2007
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