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Privacy Statement

1. INTRODUCTION
This Privacy Statement sets out how we use and protect any information that you give us and applies to all the SACRRA Tools and services. It covers data shared in hard copy, online, or stored in our computer systems.

The personal data, in any format, that we collect, and hold is important to us and is handled in accordance with this Statement. We are committed to ensuring that your privacy is protected and we will only collect data we need to deliver our services to you and to meet our responsibilities to you.

2. ABOUT US
The South African Credit and Risk Reporting Association (SACRRA) is a not-for-profit voluntary association of members who share the credit and risk performance data of their customers for purposes of making informed credit and risk decisions. We aim to give our members control of their data to enable them to comply with existing legislation and to adapt to an ever-changing business environment by providing tools and industry services on data formats, data quality and related challenges. Credit and risk data, also known as payment profile, is applied in all stages of the customer’s life cycle allowing our members greater insight into their customers and guarding them against undue risk while assisting sustainable business growth and financial inclusion.

We provide the framework to facilitate the sharing of complete and accurate credit and risk data at our Associate Member credit bureaus, enabling our members to comply with credit information sharing provisions of the National Credit Act (NCA) as well as the provisions for performing credit and risk
assessments and affordability calculations.

For all queries relating to this Privacy Statement and our handling of personal data please contact us on 087 701 3254. Alternatively, you can write to us at: sacrra@sacrra.org.za.

3. WHAT WE COLLECT
We may collect the following information from you when you engage with the SACRRA, complete application forms, assessment forms or surveys, receive services from us, or provide services to us, access the SACRRA Tools (which include but are not limited to the Data Transmission Hub or DTH; Data Master Application or DMA; Data Specification Matrix or DSM; or SACRRA Connect) or apply for employment or are voted in on the Governing Body:

  • your name, date of birth, Identification Number and gender
  • addresses (home and work), contact email addresses and contact telephone numbers (home, work and mobile), and website address
  • your bank details
  • employment status
  • career details – current job/description of role/employer/salary/previous employment/start and end dates
  • company name, trading name and addresses (physical and postal)
  • current qualifications (where relevant to the SACRRA, e.g. completion of accredited degrees), study centre/university details, assessment information for qualifications, examination marks and results and exemption details including learning opportunities undertaken as part of continuous professional development
  • date of joining the SACRRA, membership status and/or employment status
  • contracting information with the SACRRA
  • enquiries and contacts, you have made with the SACRRA
  • information recorded in minutes of meetings held, action and decisions logs
  • data related to election ballots and results
  • username and password, you use to sign into the SACRRA Tools
  • the IP address you use to log in
  • personal data you supply when you are using the PSIber Human Resources Management System
  • photos and video footage (where captured at our events)
  • annual turnover / Income after investments and allocation
  • Principal debt
  • VAT number
  • B-BBEE Certificate
  • Product information
  • NCR registration number and NCR primary business category
  • Industry and business classification
  • Business profile, overview and processes
  • Primary credit bureau
  • Microfinance South Africa (MFSA number)
  • Data quality files and reports

Sensitive data that we may collect

  • information you provide us when applying for special consideration e.g. extended payment terms
  • information you provide us regarding any specific needs you have for attending our meetings/events
  • For employment purposes we collect
  • your nationality
  • national ID number (or details of your alternative ID)
  • Income tax number
  • Race, gender and ethnicity
  • citizen resident status
  • home language spoken
  • next of kin contact information (full name, relationship, contact number)
  • Strength Finder profile report
  • Curriculum Vitae
  • if applicable, any disabilities that you may have
  • evidence of your health (medical history, diagnosis or special requirements), where needed in terms of legislative compliance (e.g. COVID-19, doctor certificates for sick leave taken etc.)


4. HOW YOUR INFORMATION IS COLLECTED
We collect information from you, for example, when you:

  • make enquiries with us
  • submit an application for membership
  • submit an assessment form under Regulation 19(13)
  • respond to a vacancy advertisement and when being appointed
  • submit a proposal on a Terms of Reference/Request for Proposal request
  • register/sign up to and/or make use of any of our services or SACRRA Tools
  • use our website (see our Cookies policy below)
    We may also collect information about you from third parties, such as:
  • your employer
  • partners that we work with
  • Trade or employment references

5. WHAT WE DO WITH THE INFORMATION WE COLLECT
We require this information to assess your application and needs as well as to provide you with the required services, and in particular for the following reasons:

Membership/contractual purposes:

  • to respond to your enquiries
  • to administer your membership/non-membership and provide the value proposition/benefits set
  • allow you access to the SACRRA Tools and services, as relevant
  • to fulfil our obligations arising from any contracts entered into between you and the SACRRA, and
    for the general management thereof – this includes providing the products and services that we offer, where Terms and Conditions apply
  • to administer and manage the relationship and related services to you
  • to organise and deliver the SACRRA meetings and events, and fulfil any specific needs you may
    have or required under the SACRRA Constitution
  • process payments from or to you
  • maintain financial records and for auditing purposes
  • to run elections and manage voting on resolutions, as needed
  • notify and remind you when your membership is due for renewal
  • provide you with information relating to your data submissions and compliance obligations, as relevant
  • notify you of general progress updates, including sending you invitations to attend Annual General Meetings, General Member meetings and ad hoc meetings, as required
  • provide you with news, products, services and membership updates
  • invite you to provide feedback on our products and services, for example in surveys
  • invite you to take part in research campaigns and surveys
  • to notify you of changes to our membership offering
  • monitor how you respond to our communications
  • to allow us to monitor usage statistics as a basis for future improvements to relevant processes
  • to monitor and improve our products and services 
  • to verify your identity
  • to enable us to track system use by a user


Legitimate interest purposes:

  • internal record keeping
  • to periodically conduct quality checks on the data we hold on you
  • to meet security/health and safety requirements where you attend an event or meeting


Consent:

  • using photo and video footage in post-event publicity/marketing collateral (please notify us when
    booking onto an event if you object to this)

6. MEMBERSHIP REGISTER, DATABASE AND ON-BOARDING SCHEDULE
When registering for membership you will automatically appear on the register. The Membership Register is for the SACRRA Office’s internal use only.

All company information for members and non-members will be recorded on the SACRRA Connect system and on-boarding schedule to enable SACRRA to facilitate and manage the data submissions, data quality and related reporting thereof.

All supplier information will be recorded in a Vendor Contract Management Framework for the SACRRA Office’s internal use only in line with procurement processes and requirements. Proposals may be shared with third parties, such as sub-committee representatives mandated by the Governing Body or the Executive Director for proposal evaluation purposes.

Certain company and on-boarding progress information will be shared with third-parties in line with legislation, management of the data submissions at approved hosting credit bureaus and related processes.

7. OUR LAWFUL BASES FOR PROCESSING YOUR INFORMATION
We will only use your personal information where one of the following applies:

  • It is necessary for execution on a contract that we have with you, such as the fulfilment of a service.
  • For our own (or a third party’s) legitimate interests provided your rights do not override these interests, such as:
  • Sending appropriate targeted communications to you based on your data submissions
  • Monitoring and improving our products and services
  • Fulfilling the requirements of our Constitution
  • Managing the data we hold
  • Fraud prevention
  • Enhancing the networking opportunities between members
  • We need to comply with a legal or contractual obligation, such as Regulation 19(13).
  • You have given us your consent, such as to send you communications or information about your SACRRA Membership or information you may find interesting. You can withdraw your consent from receiving information not relating to your Membership (such as industry or regulatory related information) anytime by sending an email to info@sacrra.org.za with subject line “unsubscribe”. Please be advised, changes to your preferences may take up to 10 days to fully action.

Your personal information will only be used for the purpose(s) it was collected. It will not be sold, shared, or distributed to third parties unless we have your permission or where it is necessary for one of the reasons listed above.

8. RECIPIENTS WHOM WE MAY SHARE YOUR DATA WITH
The following third parties may gain access to certain of your information in the course of us delivering
services and products to you which will be strictly governed by the SACRRA privacy and access policies
in place:

  • Suppliers contracted to perform business functions on our behalf (for example the Data Transmission Hub supplier) or for the development and/or maintenance of the SACRRA Tools, including providers of third-party applications used for the purposes of delivering products/services to you (for example PSIber for employee management).
  • Approved hosting credit bureaus for the purposes of data submissions and management thereof.
  • Venues hosting the SACRRA meetings and/or events (where necessary to meet security and safety requirements, and fulfil any specific needs you may have).
  • The SACRRA event/meeting sponsors or logistical administrators (we will only share your name, job title, company name and contact details as relevant for logistical arrangements, meeting invitations and/or voting platforms).
  • Attendees at events/meetings (we will only share your name and company via an attendee or registration list).
  • Regulatory bodies (where necessary for regulatory/audit requirements).
  • Third party IT/cloud providers (where required and access will be limited and mostly related to IT infrastructure maintenance/software upgrades and/or support to our staff).


9. RETENTION OF YOUR INFORMATION
The SACRRA has a variety of obligations to keep the data that you provide us. These include ensuring that payments and data submissions are submitted and processed correctly including complying with any laws and rules that apply to us and to our members.

The SACRRA has a Record Retention Policy to ensure that your data is not held for longer than is necessary. We hold the information that you provide to us while you are an active and registered user but we may keep certain data (such as payment information) after you cancelled your registration, to meet our obligations but for no longer than required or permitted by law.

10. WHERE YOUR INFORMATION IS STORED
Your information is held securely within South Africa, however, if there is any transborder flows, we will ensure that the supplier meet at least the standards imposed by the Protection of Personal Information Act, No. 4 of 2013 or ensure that Data Processing Agreements are in place with these suppliers and/or any third parties and that they meet the SACRRA’s data protection standards.

In certain circumstances, courts, law enforcement agencies, regulatory agencies or security authorities may be entitled to access your personal data.

11. KEEPING YOUR PERSONAL INFORMATION SECURE
In processing personal information it is important that the SACRRA establishes in what circumstances it acts as a responsible party and in what circumstances it acts as an operator.

The SACRRA may in certain circumstances be a responsible party, in others an operator and also where it acts in conjunction with others in determining the purpose and means for processing personal information it may act together with others as a responsible party.

In processing personal information, whether as a responsible party or an operator, SACRRA must comply with the conditions for the lawful processing of personal information. The distinction lies in the fact that a responsible party is liable to the data subject and must ensure that all of the conditions of lawful processing of personal information and measures that give effect to these conditions are complied with.

In order to prevent unauthorised access or disclosure, we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect from you.

The SACRRA Tools and website are maintained on secure environments. All our suppliers and contractors meet the standards we require. Restrictions are also in place so that users only have access to data that pertains to their roles. Staff training is undertaken regularly, and checks are made by IT staff and/or suppliers to ensure data quality is maintained.

Our email security system will block and hold messages that contain viruses and malware, spam messages or other inappropriate content. Where appropriate, senders will be informed that their message has been held by our system and if held in error the message can be released and successfully sent.

Unfortunately, no data transmission or storage system is completely secure. If you feel that the security of your information has been compromised, please contact us immediately and we will take the necessary steps required to meet our obligations under legislation.

12. WHAT WE USE COOKIES FOR
Cookies are text files with small pieces of data — like a username and password — that are used to identify your computer as you enter a website. The cookie can be accessed by both the web server and the user’s computer.

When visiting the SACRRA website, the cookies will allow you to:

  • carry information across pages of the site;
  • avoid having to re-enter information; and
  • after member login, to access member only information and tools.


13. YOUR RIGHTS IN CONTROLLING YOUR PERSONAL INFORMATION
You have the following rights over the personal data about you that we are holding and processing:

  • Right to be informed: This relates to us being transparent about how we will process and use the information you supply to us.
  • Right of access: You may request details of the information we hold about you. Please refer to the
    PAIA manual regarding the process to be followed and form to be completed and submitted.
  • Right to request information held is accurate and how to update it: If you believe that any information we are holding on you is incorrect or incomplete, please email us at info@sacrra.org.za.
  • Right to removal: In certain circumstances, you may ask us to delete information about you and
    stop processing or publishing it. Please note that certain information will have to be retained
    according to certain legislation and/or audit requirements.
  • Right to object: When subscribing as a Member, you consent to receive information relating to your
    membership and our services to you. You can unsubscribe from our mailings and remove your
    details at any time. If you wish to stop receiving certain general communications from us, please
    email us at info@sacrra.org.za.


14. COMPLAINTS
If you wish to lodge a complaint about how we have processed your personal information, and we cannot resolve it, then you have the right to lodge a complaint as reflected in the PAIA Manual or the Information Regulator (https://inforegulator.org.za/complaints/).

About Us

Established in 1989, the SACRRA is a voluntary industry association composed of dedicated companies committed to sharing critical credit and risk payment performance data about their customers with our esteemed bureau members. Our member base also includes organisations offering top-notch analytical and data management services to the industry. Together, we strive to enhance comprehensive credit profiles and uphold exceptional data quality.

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Head of IT, Programmes and Data

Caroline Smith

Caroline is a highly skilled and versatile IT professional with a strategic mindset, boasting a diverse background that began in development and expanded across various IT disciplines. Currently, she thrives as an adept IT Project Manager and Product Owner, specializing in the Credit environment.

What sets Caroline apart is her hands-on approach to project management, backed by extensive expertise in IT development and business projects. Her true passion lies in successfully implementing and rolling out solutions that bring tangible value to the table.

Over the course of her career, Caroline has amassed profound domain knowledge within the financial industry. She has actively contributed to bespoke development projects, catering to automated risk and affordability scoring, manual credit assessment, and collections and debt review solutions.

During her tenure with SACRRA, Caroline demonstrated her versatility by taking on multiple roles, ranging from a data analyst to a project manager and product owner. Through these roles she has developed an in-depth understanding of the intricacies surrounding payment profile data submitted to credit bureaus.

In her current role as Head of IT, Programmes and Data, Caroline bears the responsibility of overseeing the continuous development and management of five bespoke software applications, two off-the-shelf applications, and the office infrastructure.

Head: Operations

Andrea van der Westhuizen

Andrea is a multifaceted professional with experience in strategic, operational, financial, project, programme, risk, people, stakeholder, compliance and change management. She established operational infrastructures, processes, systems, and frameworks for various organisations within financial inclusion, credit and risk, and skills development sectors.

Currently at SACRRA, Andrea manages the organisational strategy development, implementation, and reporting process. She directs, coordinates, oversees, and manages the Portfolio Management Unit, whose functions include the execution of the engagement strategy, member acquisition, onboarding, and portfolio management; and the Corporate Services Unit responsible for supporting overall operations of SACRRA in terms of finance, human resources, corporate governance, and legal. The role of Manager: Business Development also reports to her, enhancing the diversification of income strategy. Andrea is responsible for operational excellence, promoting cross-functional collaboration and knowledge sharing within the Association.

Previously at Tiso Foundation, she developed and managed a skills development initiative, which included changes to a student tracking IT system, marketing of the new concept, client acquisition, and regulatory compliance. At FinMark Trust, she served as the COO, and was responsible for managing and reporting on multi-donor projects and budgets, strategic and operational delivery across various themes (e.g., credit, housing finance, insurance, information architecture, including policy and regulation), while acting as a trusted adviser to the CEO.

Executive Director

Magauta Mphahlele

Magauta’s  extensive experience in credit and general consumer protection spans more than 24 years. The Consumer Protection Act and National Credit Act were conceptualized, consulted on and passed into law under her leadership as the Consumer Law Reform Project Manager at the Department of Trade and Industry. Her role also included managing the transition from the then Micro Finance Regulatory Council to the establishment of the National Credit Regulator. She served as the full-time member of the National Consumer Tribunal.

As the previous CEO of the National Debt Mediation Association, Magauta established strong ties with the credit industry and was able to successfully transition the NDMA into a successful Alternative Dispute  Agent company called Ithuseng Credit Solutions (ICS). ICS has since 2013 been working mainly in the mining sector to reduce the abuse of the payroll system by assessing and challenging illegal Garnishee and Administration Orders.  ICS also assisted thousands of mineworkers to  improve their credit profiles  to enable them to qualify for mortgage and vehicle finance through disputing incorrect credit bureau information, credit health and budgeting coaching as well as running  debt management workshops. 

Before joining SACRRA she was the Chairperson of the Board of the Consumer Goods and Services  Ombudsman (CGSO). After the resignation of the CGSO Ombud, Magauta was apointed as the Ombudsman. The CGSO is an Alternative Dispute Resolution Scheme for the Consumer Goods and Services Industry and mediates disputes between suppliers of goods and services and their customers. 

She holds an Honors Degree in Applied Linguistics and a Postgraduate Diploma in English Education from Wits University. In 2018 she completed the International Executive Development Program in Developmental Finance offered by Wits University. The IEDP included study tours to Brazil, Ghana, and Tanzania to study best practices in financial inclusion. She put the knowledge gained to good use when she became a Presenter on Ke-Zaka, a Television program that was aired on SABC 2 for 13 episodes. Her role was to provide expert content to the producers, interview Stokvels, provide expert advice and link the Stokvels with suitable experts to assist them to transform from consumption to investment and wealth creation vehicles. The Stokvel groups included a mix of Burial Societies, Investment Groups, Cooperatives and Savings Groups.

She currently holds the following non-Executive positions:

  • Board Member of the Short-Term Insurance Ombudsman.


Previous Non-Executive Positions include:

  • Member of the Financial Services Board Legislative Committee.
  • Non-Executive Chair of the Consumer Goods and Services Ombudsman
  • Non-Executive Director of the South African Fraud Prevention Service.
  • Board Member of Micro Finance South Africa
  • Board Member of the Credit Ombudsman.
  • Mediator at the Gauteng Housing Rental Tribunal.
  • Adjudicator at the Gauteng Consumer Court. 
  • Adjudicator at the National Consumer Tribunal
  • Member of the Unfair Practices Committee of the Department of Trade and Industry; and
  • Board Member of the National Home Builders Registration Council, and Estate Agency Affairs Boards.
  • Chair of the Credit Industry Forum

Data Lead on the Governing Body

Sharief Allie

Sharief has over 28 years of specialist retail credit and data experience relating to lending exposure management and profitability maximization.  As a leading industry consultant for 12 years in the EMEA region, he has a comprehensive and in-depth understanding of the credit lifecycle (acquisitions, ECM & collections/ recoveries, provision), the end-consumer and commercial impacts. To this end, he has successfully managed 7 consumer credit portfolios across retail and banking sectors, both locally and abroad.   He is well versed in credit scoring, credit system data flows, data integration, bureau data aggregation, data analysis and process level solution designs down to the field and attribute level. He attributes credit portfolio successes to the availability and bespoke analysis of data, with robust commercial process thinking and uncompromising execution.   

After serving on the SACRRA Manco from 2018 to 2020, he continued to serve as the Data Lead on the SACRRA Governing Body with the similar intent to champion the SACRRA strategic agenda of the data sharing ecosystem as a whole.

Sharief is employed by the Foschini Retail Group since 2011 and with growing global trends of increased credit and data regulations, information governance and co-operative partnerships; he has shifted to a Partnerships and Governance role.

Sharief completed his Retail Management training at Woolworths (Pty) Ltd, specializing in Store administration and Credit management.  He completed the Covey Leadership Development course as well as several banking, governance and credit related courses whilst employed at Woolworths, PIC Solutions (now Principa), The National Commercial Bank KSA/ CitiBank, RCS (now BNP Paribas Personal Finance) & WFS ABSA Barclays.  He is passionate about data as an economic growth enabler for developing markets and empowering the next generation of data-based consumer credit problem solvers.

Risk Lead on the Governing Body

Louise le’ Kay

Louise worked in the retail credit environment for more than 15 years. In her current role as Head of Retail Credit Advisory within the FNB Chief Risk Office, she is responsible for:

  • Co-ordinating the analysis, impact assessment and potential response to new regulatory requirements across FNB retail credit.
  • Driving strategic industry engagements as a representative on the BASA Heads of Credit Committee, PASA DebiCheck workgroup and have served on the SACRRA Manco on a rotational basis for 6 years of which she acted as an interim chairperson twice in 2016 and 2017.
  • Supporting risk integration themes between credit, regulatory, legal and operational risk for FNB retail credit.
  • Fostering the talent management program across the credit community

Louise strives for excellence in execution and bring this characteristic to her role as a member of the SACRRA Governing Body. Louise’s knowledge and experience in dealing with the consumer credit legislation environment means she is well placed to assist the Association in navigating the ever-changing regulatory environment.

Qualifications: 

  • BCom – Quantitative Risk Management, University of the Northwest; 
  • Master’s Degree – Business Mathematics and Informatics, (MSc BMI specialising in Data Mining) University of the Northwest;
  • PASA Certificate in Foundational Payments, Payments Association of South Africa 
  • Internal FirstRand Analysing Banking Risk course; 
  • FirstRand Bank Accelerated Development Programme, the Graduate School of Business (University of Cape Town)

Technology Lead on the Governing Body

Josh Souchon

Josh has worked in the technology environment for over 23 years and in his current role as Group Chief Information Officer of Sasfin Bank for the past 6 years.  His role is to enable growth within Sasfin’s businesses and to leverage the last mile enhancements which help the businesses to scale. In addition, he manages the appropriate resource model, adopting hybrid and new ways of working to effectively deliver the optimal staff output. He also oversees cybersecurity, a key foundation for a business that pivoted rapidly to digital over the last five years, and this has ensured to minimise risk and respond intelligently and with great speed. He works closely with the bank’s Merger and Acquisitions (M&A) team on Joint Ventures, and M&A to help refine the significant post-integration responsibilities.

Recent Achievements

  • Successfully implemented the Sasfin Group IT Operating Model which is aligned to the Business Model
  • Implemented the IT unitised costing model
  • Successful implementation of Sasfin’s digital platform, Cloud based solutions (CRM, Trading & Treasury Management, Asset Finance, Specialised Finance & Financial reporting), Asset Finance systems rationalisation & replacement, Group Finance Transformation Programme, RDARR (BCBS239) and POPI Compliance Programme
  • Successful transitioning of all staff working from home during Covid-19


Qualifications: BEng Honours & ACGI – Imperial College, University of London, UK

Independent Role On The Governing body

Illana Melzer

Bachelor of Business Science (mathematical economics) – University of Cape Town 

Illana has 29 years’ experience as a consultant. She focuses on analysis of consumer data, with an emphasis on lower income households and access to and usage of financial services including consumer credit. She currently leads a team of data scientists and researchers at 71point4 Consulting. 

Illana started her career at global management consultancies Monitor and Accenture. In 2001, Illana started Eighty20 Consulting and led their strategic research division until 2017. While at Eighty20 Illana worked extensively with survey data and transactional data, including record level credit bureau data, to understand key topics including mortgage performance and access, consumer credit utilisation patterns and indebtedness, upward mobility and household expenditure patterns. 

In 2018 Illana established 71point4 Consulting which currently works on projects in South Africa, Rwanda and Kenya. A key project in South Africa is the Tenure Support Centre (TSC), an award-winning advice office established by 71point4 and the Centre for Affordable Housing Finance in Africa (CAHF). The TSC assists property-owners who have title deed problems. It operates out of FNB’s branch at the Khayelitsha Mall. The TSC has engaged with over 1 500 clients and secured title deeds for almost 600. Through these client interactions, the TSC has created a body of evidence relating the factors that hinder formalisation. As a direct result of the project, the issue of titling has been escalated as a priority project within Operation Vulindlela in the Office of the Presidency.

Chairman of the Governing Body

Charles Chemel

Following being a Senior Executive at Standard Bank and African Bank for many years, Charles started CSC Advisory as Principal in 2015 to provide strategic advisory services to players in the SA Financial Sector. He was previously a board member on Stangen and King Price Life, a shareholder and director of Payabill (SME Finance Fintech) and a shareholder of Peach Payments (Pan-African Payments Fintech). He started his career as a statistician and designer/developer of computer-based testing systems at the National Institute for Personnel Research. During his employment at Standard Bank, he initially headed up the Human Resources Planning function of the Group, moving into various roles as Director, Personal Markets, Director: Banking Products and Director: Mass Markets and Retail Africa. Charles was seconded by Standard Bank to the Banking Association of South Africa to head the Financial Sector Charter Access Initiatives which included spearheading Mzansi, the national interbank initiative aimed at transactional access of financial services to low-income South Africans. At African Bank, he was responsible for underwriting, product management, credit cards as well as strategy, distribution, marketing and product. Charles sat on various boards during his career.

Qualifications: B. Sc. Hons (Statistics) – University of the Witwatersrand, MSc. (Statistics) – University of Edinburgh, Master of Business Leadership (MBL) – University of South Africa (UNISA), Advanced Management Program (AMP) – Harvard University.

Finance and Audit Lead of the governing body

Preshanta Govender

Preshanta has deep experience and expertise in: 

  • Finance and value management, treasury and capital management (TCM), risk management and business partnering across all regions, client segments and solutions to improve shareholder returns. 
  • Strategy development and implementation in managing banking, insurance and investments solutions and businesses. 
  • Implementation of assets and liability management systems to enhance strategy execution. 
  • In building and leading high performing innovative teams more than 17 countries across Africa Regions and effectively managing stakeholders having represented TCM and Finance on various senior executive business and governance committees. 
  • Experience in engaging boards and regulators across jurisdictions. 
  • Dynamically advising and influencing business and boards to adapt business strategies, deliver results and increase shareholder value. 


Preshanta is a non-executive director of the Ombudsman of Banking Services (OBS), Standard Bank Trust Limited and co-sponsor of the Africa Regions Ignite Leadership Talks. 

Qualifications: University of South Africa, UNISA – Postgraduate in Accounting, 2004; University of Witwatersrand, Johannesburg – Bachelor of Commerce, 2001; MIT – MIT @ SBG 2022 – Leading Digital, 2022; Chartered Accountant (CA SA), 2006.