Tlotlanang Jaqueline Thokoane
Senior Consultant
Ruimsig
Summary
Dedicated and results-oriented professional with extensive experience in the banking industry, particularly in quantitative analytics, enterprise risk management, treasury, and finance functions. I have notable experience and exposure to Basel Regulatory Capital models, IFRS9 models, integrated forecasting, and project management. I possess strong analytical and problem-solving skills, with a keen ability to identify opportunities for operational efficiency and improvement. My strong interpersonal skills enable me to build and maintain relationships with stakeholders and team members, and I am adept at collaborating with cross-functional teams to achieve organizational goals. Committed to continuous learning and professional development, I have worked for reputable companies such as Nedbank, the South African Reserve Bank, Volkswagen Financial Services, and WesBank. I am currently employed at True North Partners as a senior consultant.
Overview
14
14
years of professional experience
Work History
Employment Equity Forum Secretary
True North Partners
12.2022 - Current
- Schedule and organize regular EE forum meetings, ensuring all members are informed and prepared.
- Prepare and distribute meeting agendas and minutes.
- Maintain accurate records of all meetings, including attendance, discussions, decisions, and action items.
- Ensure all documentation is up-to-date and accessible to forum members.
- Communicate decisions, policies, and updates from the EE forum to relevant parties.
- Ensure the forum's activities comply with the Employment Equity Act and other relevant regulations.
- Assist in the preparation and submission of statutory reports and documentation.
- Track the progress of EE initiatives and action plans.
Senior Consultant
True North Partners
12.2020 - Current
- Currently engaged in a regulatory project at one of the big four banks, overseeing the transition from JIBAR (Johannesburg Interbank Average Rate) to ZARONIA (South African Rand Overnight Index Average), with a primary focus on project management, content design and coordination across various business units.
- Involvement in model validation, Retail IFRS9 MEV Forecast and model monitoring frameworks
- Provided Internal Capital Adequacy Assessment Process (ICAAP) support through content enhancement in collaboration with stakeholders in line with regulatory requirements/developments, coordinations across various business functions and addressing audit findings for a South African Bank
- Provided support in the enhancement of a bank's approach to setting risk-appetite for non-financial risks and assessing performance against risk appetite
- Development of integrated forecasting models to forecast material financial statement line items with focus on enhancing budget forecasting capabilities for a South Africa bank
- ESG and climate risk exposure: climate risk heatmaps and climate-related risk management disclosure (IFRS S2) gap analysis
- IFRS 9 term loan provision validation
Modelling Analyst
WesBank
12.2018 - 11.2020
- Conducted various data analysis tasks, including monthly, quarterly, and ad-hoc reporting for Direct Axis.
- Contributed to the development of Direct Axis IFRS 9 models, ensuring compliance with group and regulatory standards.
- Coordinated projects related to the Basel Committee on Banking Supervision (BCBS 329) for Direct Axis.
- Ensured models were developed within group and regulatory parameters, interpreting and reporting on statistical trends.
- Maintained relevant policies, including Service Level Agreements (SLA), Business Continuity Plans (BCP), and model development documentation.
- Gained brief experience in regulatory and economic capital modeling and monitoring.
- Collaborated with cross-functional teams to identify opportunities for process improvement and increased efficiency.
- Increased efficiency by streamlining data analysis processes and implementing automation tools.
Risk Analyst
Volkswagen Financial Services
01.2017 - 11.2018
- Financial risk management oversight, including risk cost, and impairments, ensuring risk mitigation strategies
- Managed model oversight for Probability of Default (PD), Loss Given Default (LGD), and Exposure at Default (EAD) by collaborating with external stakeholders
- Developed business tools to enhance operational efficiency and streamline processes
- Prepared and delivered comprehensive monthly and quarterly reports to management
- Monitored and analyzed portfolio performance, identifying trends and areas for improvement.
- Formulated risk management policies to ensure compliance with internal and regulatory standards.
- Provided strategic value through ad-hoc analysis and initiatives aimed at enhancing business efficiencies
Credit Risk Analyst
South African Reserve Bank
02.2016 - 12.2016
- Conducted comprehensive reviews of ICAAP (Internal Capital Adequacy Assessment Process) for specific banks, ensuring adherence to Credit Risk principles, including stress testing and Enterprise Risk Management (ERM).
- Responsible for technical reviews of Advanced Internal Ratings-Based (AIRB) Credit Risk Models across various retail products.
- Provided support during credit prudential authority onsite at Banks
- Managed bank application assessments and long-form reviews to ensure regulatory compliance.
- Provided oversight and supervision for banking institutions, ensuring robust risk management practices.
Risk Analyst
Volkswagen Financial Services SA
04.2015 - 01.2016
- Conducted extensive monthly and quarterly reporting and analysis to support strategic decision-making.
- Monitored portfolio performance throughout the lifetime of contracts, identifying trends and areas for improvement.
- Formulated and authored comprehensive risk management policies to ensure regulatory compliance and effective risk mitigation.
- Improved decision-making processes by providing insightful recommendations based on thorough risk/data analysis.
- Supported business continuity planning efforts by conducting risk assessments for critical processes, identifying areas of vulnerability and recommending appropriate mitigation measures.
- acting head of risk and compliance (July 2015 - September 2015)
Credit Risk Analyst
Nedbank
02.2012 - 03.2015
- Conducted value analytics for pricing, including monitoring pricing models and performing reporting and ad-hoc analysis.
- Formulated and ensured adherence to policies such as Credit Policy and Write-off Policy.
- Utilized extensive SAS coding for data analysis and model development.
- Managed value analytics for acquisitions and loan origination, including reporting and analysis.
- Maintained and monitored the implementation of policies for the credit life cycle
- Monitored the growth and performance of MFC's portfolio, identifying trends and areas for improvement.
- Led special projects aimed at enhancing efficiency by building business tools.
Vac Student
Deloitte
07.2011 - 07.2011
- Rotated through the Actuarial and Insurance department, performing various tasks related to insurance operations and analysis.
Education
Bcom Hons Financial Management
UNISA
02-2026
Post Graduate Diploma in Risk Management
UNISA
01-2025
Bcom Banking
UNISA
01-2022
Bsc Actuarial And Financial Mathematics
UNIVERSITY OF PRETORIA
01-2011
Matric
BETHEL HIGH SCHOOL
01-2006
Skills
- Microsoft Office
- Statistical Analysis Software (SAS)
- VBA
- SQL
- C#
- Matlab
- DI Studio
- Power BI
Personal Information
- Gender: Female
- Nationality: South African
Key competencies
- Project and Programme Management: Expertise in managing and reporting on complex projects and programmes.
- Stakeholder Management: Effective in engaging with stakeholders at all levels.
- Banking Processes: Comprehensive understanding of risk appetite, integrated planning, governance, strategy, and regulatory reporting.
- Quantitative Analysis and Reporting: Proficient in data analysis and reporting.
- Basel and Banking Regulations: Strong understanding of Basel and banking regulations.
- Automation and Process Redesign: Experienced in automation, process redesign and change management.
- Risk Management: Solid grasp of risk management frameworks, policies, standards and processes.
- Leadership: Strong ability to build and maintain strong relationships with stakeholders. Proactively assume leadership roles when necessary.
Professional Qualification And Education
- Professional Risk Manager (PRM), PRMIA - in progress
- Retail Banking Foundation certificate, International Academy of Retail Banking- Lafferty Group, 2012
- Certificate of completion, Data Manipulation Techniques, SAS -SAS Institute, 2012
Interests And Other Achievements
- Head Girl (2006)
- Hostel Prefect (2005-2006)
- Student Governing Body Member (2006)
- Award for Leadership (2006)
- Best overall student in grade (2004, 2006)
- Best student in subjects - Biology (2004-2006), Mathematics (2006), Afrikaans (2003), Life Orientation (2003)
Timeline
Employment Equity Forum Secretary
True North Partners
12.2022 - Current
Senior Consultant
True North Partners
12.2020 - Current
Modelling Analyst
WesBank
12.2018 - 11.2020
Risk Analyst
Volkswagen Financial Services
01.2017 - 11.2018
Credit Risk Analyst
South African Reserve Bank
02.2016 - 12.2016
Risk Analyst
Volkswagen Financial Services SA
04.2015 - 01.2016
Credit Risk Analyst
Nedbank
02.2012 - 03.2015
Vac Student
Deloitte
07.2011 - 07.2011
Bcom Hons Financial Management
UNISA
Post Graduate Diploma in Risk Management
UNISA
Bcom Banking
UNISA
Bsc Actuarial And Financial Mathematics
UNIVERSITY OF PRETORIA
Matric
BETHEL HIGH SCHOOL
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