Tshireletso Marry Bogatsu

1.1 Prudential Authority (PA) – Risk Support Department (Credit Risk): Sept 2025 – current

• Provide regulatory and supervisory support related to credit risk.
• Review and provide recommendations on decisions regarding applications submitted to the PA by supervised financial institutions.

1.2 Financial Markets Department – Financial Risk Division (Credit Risk): 6 months

• Assessed counterparty credit risk through financial statement analysis, ratio analysis, indexed trend analysis, and qualitative analysis of institutional, industry, and sovereign factors.
• Developed and implemented a credit risk scoring methodology, financial model, investment guidelines, and investment framework.
• Conducted regular research and issued risk notes on emerging risks.

1.3 Risk Management and Compliance Department - (Operational Risk): 5 months

• Compiled and reviewed operational risk assessments for the IT and financial markets departments.
• Drafted ethical considerations for artificial intelligence in a position paper to inform policy decisions, as part of the Community of Practice team.
• Developed and implemented awareness materials for the revised SARB Group risk management policy.
• Created and delivered a training video and course outline on business continuity management and resilience.
• Investigated and reported on risk incidents.

1.4 Internal Auditing Department – (Assurance and Operational Risk): 9 months

• Conducted risk-based audits across IT (Data Governance), Prudential Authority (Anti-Money Laundering and Credit Risk), and Financial Markets (Reserves Management) departments.
• Performed risk assessments and tested the adequacy and effectiveness of internal controls.
• Identified control weaknesses, root causes, and developed actionable recommendations.
• Drafted and presented audit reports to management.

1.5 Financial Services Department – Financial Planning and Analysis Division (Financial Risk and Project Risk): 6 month.

• Supported commercial decision-making through financial modelling, NPV analysis, and ratio analysis for SARB projects.
• Compiled the SARB annual budget.
• Conducted monthly variance analyses comparing budgeted and actual figures.
• Performed and presented indexed trend analyses on operational expenses.

1.6 Financial Services Department – Financial Reporting Division (Financial Reporting): 5 months

• Compiled Group Annual Financial Statements, including notes and disclosures.
• Performed Expected Credit Loss calculations and loan guarantee scheme reporting.
• Reviewed and responded to external auditors’ queries.
• Prepared monthly journals, reconciliations, and invoices.
• Prepared monthly Financial Overview.

Talent and People Management - 2 years 4 months

• Evaluated and scored scholarship application forms using established criteria.
• Conducted candidate interviews and assessed pitch presentations.
• Applied the organisation’s evaluation model throughout the process, exercising sound professional judgment and ethical decision-making.

Credit Risk and Portfolio Management - 12 months

• Supported the Relationship Manager for client portfolio management in the R10 million to R40 million segment.
• Compiled credit facility applications and conducted creditworthiness assessments through financial statement and ratio analysis.
• Conducted Know Your Customer (KYC), due diligence, and enhanced due diligence to mitigate regulatory and compliance risks.
• Collaborated with clients to resolve day-to-day transactional and banking queries.

Learning, Development, and Mentoring - 11 months

• Provided academic support, designed tutorials, mentored students, and managed administrative tasks.