Thandukwazi Fadane

OD Risk and Policy Reporting, Credit Risk Management, Insights and Action, Client and Business Growth and and Unsecured Lending OD Initiatives

• Ensure continuity and accuracy of reporting, including timely pack submissions.
• Identify additional insights that enhance understanding of portfolio performance.
• Streamline reporting packs to improve efficiency and consistency.
• Early and Late Risk, Predicted Risk, CPEs and Key Risk Metrics
• Revised KRIs
• Regulatory compliance, including Reckless Lending
• Reputational and Systemic Risk exposures
• Provide insights to relevant forums to support strategic and operational decision‑making.
• Deliver timely reporting updates that highlight opportunities for optimization and growth.

We support broader growth agenda by analyzing and managing:

• Approval rates, Average loan size and Market share
• Target market performance and Process efficiency
• Client value proposition and client outcomes
• Provide support to Growth Squad and other strategic initiatives.
• Maintain adherence to regulatory requirements and internal governance standards.

• Running Bank: Ensuring timely delivery of data updates, descriptive analytics, visualization, and reporting to Consumer, RRB, and NCB stakeholders.
• Execution of batch file runs, Single Behavioral Applications model runs, and monthly In duplum runs.
• Assisting front business with rating and pricing-related requests.
• Data Management: Providing robust data management capabilities to optimize processing, centralization, and automation.
• Implemented data governance structures for all consumed and provided data.
• Established batch processes, reducing data queries from stakeholders.
• Documentation all processes to capture valuable information.
• Analytics and Insights: Led the Annual Pricing Model Reground (Implementation and CPE development).
• Conducted ad hoc analyses, including bad rate analysis, reporting, and RRB application ratings monitoring.
• Developed and maintained the Personal Loan Decline Reasons dashboard.

• Assisting the NAR Risk Team with quality and timely delivery on ERM, ORM and Cyber/IT requirements
• Providing input into NAR Cluster ERCO on various reports
• Input and assistance in Committee reporting where possible - GRCMC, GORC, FCC, CVCRC, OpCom, GAC, Group Conduct Committee, Group Reputational Risk Committee, Group Conduct Risk Committee, Internal Control Environment (ICE) assessment, Prudential submissions (as required)
• Policy and framework management, assisting with the policy and framework matrix for monitoring of subsidiaries policy alignment with Group requirements
• Audit Issues: assisting with reporting on the status of audit issues for the cluster and supporting Nedbank Mozambique by updating their issues on TeamMate+ while the country access is being resolved
• Further supported the team in country where necessary
• Assisted with monitoring the subsidiary action plans in respect of the risk culture survey through preparation of a consolidated view for RO and MS to review
• Assisted with the MIS requirements on Cyber and Operational Risk portfolios, where required