Pieter Uys

Experience

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  VIP Pet Store

  Jan 1998 - Jan 2001

  Shop Assistant
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  Various Yachts | Caribbean and Mediterranean

  Jan 2002 - Jan 2003

  Deckhand
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  VIP Pet Store

  Jan 2004 - Jan 2008

  Shop Assistant
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  University of Pretoria

  Jan 2004 - Jan 2008

  Mathematical Statistic Tutor | Security Officer: Open Computer Labs
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  FNB South Africa

  Jan 2009 - Jul 2021

  Oversaw end-to-end examination and interpretation of customer behaviours, preferences, and trends within the FNB Gold segment. Deployed sophisticated analytical tools and methodologies to derive actionable insights that informed targeted marketing strategies and product development.Directed a dedicated team of data analysts and business intelligence professionals, fostering an environment of continuous learning, innovation, and data-driven decision-making. Ensured the team was equipped with cutting-edge tools and methodologies to enhance analytical capabilities and support business objectives.Played a pivotal role in shaping customer-centric strategies across all product divisions by providing deep insights into customer behaviours and preferences. Utilised data analytics to inform and influence decisions at the customer level, ensuring a cohesive and personalised customer experience across the product portfolio.Devised and implemented the overarching client-level strategy targeted at the lower-income segment of the market. This demanded a nuanced understanding of the financial needs and behaviours of this demographic, guiding product development and marketing strategies to serve this segment effectively.Conducted detailed budgeting and scenario planning with a focus on optimising client-level profitability. Assessed the financial performance of different customer segments, forecasting future trends, and allocating resources to maximise returns on investment while addressing the unique needs of each segment. Show less Served as a vital member of the FNB Retail technical committee, entrusted with the responsibility of reviewing and approving technical models related to FNB's retail operations. Led the development of economic capital models for the entire range of FNB Retail products. Quantified risk and determined the capital necessary to ensure the bank was adequately protected against potential losses, supporting strategic risk management and financial planning.Steered the design and construction of advanced IFRS9 Credit Cycle Adjustment models for the FNB Retail portfolio. Developed predictive models that accurately reflected the impact of economic cycles on credit losses, ensuring compliance with international financial reporting standards and enhancing the bank's financial resilience.Spearheaded targeted projects aimed at uncovering potential revenue leakage within the organisation. Examines existing processes and systems to identify and rectify areas where revenue may not be fully realised, thereby enhancing financial performance.Created and maintained sophisticated online platforms that provided comprehensive visibility into revenue and costs associated with all FNB Retail credit products. Ensured real-time access to financial data, facilitating informed decision-making across the organisation.Oversaw a team of highly skilled actuarial analysts, guiding them in the application of actuarial science to financial modelling, risk assessment, and strategic planning. Show less Established and managed the day-to-day operations of a full-fledged department specialising in credit risk, analytics, and pricing, comprising 18 professionals. The department served a pivotal role in strategising for a diverse range of products across various customer segments, including the realms of Private Wealth, Business Banking, and Commercial sectors.Undertook comprehensive management duties across an array of financial products, both secured and unsecured, such as overdrafts and loans targeted at SME Retail and Private Wealth clientele. Built up and guided the core lending asset pricing team. Formulated and introduced a framework for pricing strategies, ensuring alignment with market dynamics and organisational goals.Engaged as a key member in several high-level commercial and retail policy and portfolio committees, contributing valuable insights and strategic direction to shape the organisation's policy frameworks and portfolio management practices.Provided strategic direction and policy oversight for FRB India’s Business Banking operations, offering expert guidance to the team based in India to navigate the local regulatory and market landscape effectively.Exercised ownership over all core lending credit policies, encompassing areas such as risk appetite, credit assessment, pricing strategies, impairment recognition, operational risk management, debt recovery, collateral valuation, and write-off protocols.Led the development and ongoing refinement of credit risk appetite and capacity calculations for all credit offerings within the core lending product house. Ensured lending activities aligned with the organisation's strategic risk tolerance and financial objectives.Managed the adjustment and implementation of various credit risk levers to mitigate exposure during periods of economic downturn, maintaining the organisation's resilience and financial health. Show less

  • Analytics Head: FNB Gold Subsegment

    May 2019 - Jul 2021

  • Head of Forward Analytics and Economic Capital: FNB Retail

    Feb 2016 - Apr 2019

  • Head of Credit Risk, Pricing and Analytics: FNB Core Lending

    Dec 2013 - Jan 2016

  • Head of Credit Analytics: FNB Business Banking

    Jun 2013 - Nov 2013

  • Credit Scoring Manager: FNB Loans

    Aug 2012 - May 2013

  • Data Analyst | Quantitative Credit Risk Analyst: EasyPlan

    Jan 2012 - Jul 2012

  • Data Analyst | Quantitative Credit Risk Analyst: Commercial

    Jan 2010 - Dec 2011

  • Data Analyst | Quantitative Credit Risk Analyst: Home Loans

    Jan 2009 - Dec 2009
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  Capitec

  Aug 2021 - now

  Manager: Overdrafts and Credit Card

  Directs the strategic oversight and developmental lifecycle of products within the Business Banking overdrafts and credit cards divisions, from the initial ideation phase through to implementation. Oversees the design and launch of new financial products such as dynamically scored overdraft facilities and flexible revolving credit card offerings, tailored to meet the evolving needs of the business sector while adhering to regulatory standards.Champions the aggressive yet prudent expansion of the credit portfolio, focusing on securing new business opportunities in a landscape marked by data limitations and economic volatility. Employs sophisticated risk management strategies and innovative financial modelling to ensure sustainable lending practices.Formulated and continuously monitored the application of a visionary strategy for expanding Capitec's footprint in the unsecured lending market. Engages in key stakeholder management to align departmental goals with overarching business objectives and drives strategic direction to internal and external audiences.Develops and implements frameworks for managing client portfolios and advising on subsequent product offerings. This strategy is designed to enhance customer retention, maximise lifetime value, and streamline the introduction of tailored financial solutions to meet individual client needs.Defines and implements policies and strategic frameworks for a suite of unsecured lending products, including business overdrafts, credit cards, and merchant financing solutions. Analyses market trends, assesses risks, and ensures compliance with regulatory standards to safeguard the business and its customers.Executes predictive modelling tasks to navigate the complexities of unsecured lending under uncertain economic conditions. Leverages statistical analysis and scenario-based planning to forecast potential outcomes and devise risk mitigation strategies. Show less