Humphrey Simwawa

Digital Business
Performance
* Overall job purpose is to develop and communicate insightful analysis of
digital performance to key internal and external stakeholders. Facilitate
driving profitability of Digital Banking & eCommerce through more effective
partnership of the Group Strategy & Business Performance team with the
business.
* Drive digital business performance:
* Develop and institutionalize ownership and tracking of KPI’s that drive
digital business performance for eCommerce and Digital Adoption
(businesses and individuals level) across Online Banking, Mobile Banking
and USSD platforms. Establish a standard set of management information
aligned with the relevant KPI’s of the business. Communicate plans, actual
performance, trends to key stakeholders to identify actual vs target
deviations. Work with business to identify variance mitigation actions and
tracking. Monitor revenue streams and support identification of the areas of
revenue leakage. Constant liaison with the business and other key
stakeholders on business performance and analytics issues and projects.
* Assist in budgeting cycle and improve forecasting process:
* Contribute to preparation of the annual budget (Balance Sheet and Income
Statement) for Digital Banking & eCommerce in line with strategic plan.
Facilitate development of regular forecasting processes that more
effectively predict financial outcomes within Digital Banking & eCommerce
and the various product categories. Monitor financial performance versus
the budget of NII and NIR so that the business is aware of anticipated
Balance Sheet and Income Statement numbers and potential areas of
unsatisfactory performance. Improve identification and communication of
drivers of financial outcomes and deviation from targets.
* Improve alignment with business heads and category managers:
* Establish regular dialogue with business heads (eCommerce & Digital
Adoption), Digital category managers and other Bank’s stakeholders and
be well networked into various aspects of the business. Establish
understanding of business requirements and coordinate delivery of digital
insights and intelligence by the business performance team. Deliver
excellent quality presentation of analysis of business performance at
monthly Digital Sales Council and eCommerce MANCO meetings. Facilitate
development of a program to centralize the production of business MI
where this improves efficiency.
* Drive automation, process efficiency improvement and MI
enhancement:
* Drive automation of manually intensive processes (Digital Fulfilment
Centre), including preparation of the MI to the business. Work with IT, MIS
and Finance on the enhancements to the management reporting streams to

Customer Insight & Analytics
* Overall job purpose is to design and implement robust and accurate
customer data extraction and information to enable a focused view of
customers and support the Customer Segments Analytics and Planning
unit strategic objectives
* Employ robust and consistent data processes, standards, methodologies
and architecture for extraction, sourcing, storing and supplying customer
data and information (structured and unstructured)
* In conjunction with Senior business stakeholders, develop and implement
mechanisms for gathering and utilizing unstructured, unsolicited feedback
e.g. blogs, social media, customer calls and complaints
* Coordinate data requirements with Exco members and other users. Ensure
that the requirements are well understood, documented and agreed to and
that non-standard requests are kept to a minimum
* Develop key capabilities required to fulfill this functionality and manage the
impact of skills and competency, deficiencies in such a manner as to minimise compromising the provision of data.
* Oversee the provision of key customer data and information to inform the
ongoing alignment to the Customer Strategic Intent and performance
objectives
* Design and manage an informed coordinated strategic and tactical
approach to the implementation and operationalisation of customer data
and information (including alignment with Product and Channel areas)
* As a key enabler to Customer & Strategic Insights, provide data and
information for analysis and interpretation into customer insights, customer
treatments, and customer performance assessment and management
* Perform the role of custodian for Customer data and information and act as
single entry point and coordinator for all Customer & Strategic Insights data
and analytic requests
* Understand business information requirements with senior CSAP unit
members and other users. Ensure that the requirements are well
understood, documented and agreed to
* Engage with senior internal and external stakeholders (in business
information management rather than banking only) to develop tools and
mechanisms to define benchmarks and address common needs
* Engage with senior stakeholders i.e. Customer, Product, Channel and
various support functions to understand their requests as the user
community
* Partner with senior stakeholders to create and maintain a portfolio of
customer analytics with the use of consistent and validated data sources
* Provide leadership in the team by being visible in the team, by coaching or
guiding members where necessary, by providing skill leadership, etc.
* Participating in the development of key life moments in support of Moments
Banking initiative
* Being the Shared Folder administrator for the Insights & Analytics team.
Create a new folder layout, implement user access rights to the shared
server and ensure IT regularly performs a clean-up to optimise efficiency

Product & Segment MI
* Designed code, ran and produced Product and Segment MI reports for
PBB Rest of Africa, based on business stakeholder requirements.
* Required strong business analyst competence, to work with country, centre
teams, and translated business discussions into meaningful reports.
* Assessed business MI needs, prototyped, developed and recommend fit for
purpose MI and rollout solution across RoA.
* Designed, coded and delivered Product and Segment MI for RoA by:
* Coded and delivered MI and reports related to products and segment,
guided by Product/Segment leads.
* Assisted with MI development in country, and supported country MI teams
in building reports.
* Collated and reported country-provided figures (presentation/Excel).
* Assessed business needs / strategy, and designed suitable MI to support
business goals.
* Coded and ran reports, or supervised others to deliver reports
* Provided expert leadership in product and segment MI
* Competently coded (semi-)automated reports (in at least 2 of SQL, SAS,
Cognos);
* Structured and delivered data and MI related to business projects;
* Interacted with a cross-functional team of stakeholders across countries, to
drive and implement MI solutions;
* Took ownership for the success of the initiative (i.e. going beyond
deliverables);
* Represented the PBB MI team (and Sales and Distribution) to Executive
teams in different markets and centre;
* Took a leading role in training and development of the analyst community
within the field.
* Managed team and/or personally delivered MI.
* Participated in developing a Strategic Roadmap for PBB RoA MI;
* Supported MI Capability Development across PBB RoA - with specific
focus on Product and Segment.

MI & Reporting (Credit /
Marketing)
* Credit MI responsibilities:
* Developed and maintained financial models that provided deeper insight
into the Personal & Business Banking portfolios.
* Used advanced analytics that protected and unlocked value in the portfolio
* Provided in-depth data analysis, trending, forecasting and reporting that
provided meaningful management information used in the day to day
decision making process,
* Analysed and reported on any underlying reasons for changes and shifts
identified in the portfolio financials per country and facilitated understanding
of this to key stakeholders,
* Provided analytical support to the portfolio team on a routine and ad-hoc
basis with the view to find patterns in data,
* Assisted with ad-hoc country requests, country risk appetite and product
papers where necessary,
* Assisted with the monthly reporting packs when required,
* Met reporting deadlines and managed multiple tasks simultaneously,
* Understood the business needs and strategies,
* Constantly challenged established thinking and facilitated improvements in
systems and processes.
* Marketing MI responsibilities:
* Assisted organization in making sound marketing decisions by gathering
pertinent information on sales, methods of marketing, competitors, prices,
marketing outlets, and distribution channels.
* Analyzed customers, organizations, and competitors using graphs, charts,
and explanatory text
* Collected customer demographic information such as income, gender, age
and market information through principal research methods or internal data
systems
* Conducted research on marketing strategies and consumer opinions,
collaborated with statisticians, pollsters, marketing professionals, and other
professionals
* Generated reports of findings, placing difficult findings on paper, and
illustrated data graphically
* Collected information on competitors and analyzed their sales, prices, and
methods of distribution and marketing
* Measured the effectiveness of advertising, marketing, and communications
strategies and programs
* Attended department conferences to provide proposals and information
concerning the distribution, promotion, pricing, and design of company
services or products
* Provided information to help clients determine their positioning in the
current marketplace
* Devised and evaluated methods and procedures to collect data such as
opinion polls, surveys, or questionnaires or arranging them to obtain
accessible data.

• Developed and maintained financial models that provided deeper insight into the Personal & Business Banking portfolios.
• Used advanced analytics that protected and unlocked value in the portfolio
• Provided in-depth data analysis, trending, forecasting and reporting that provided meaningful management information used in the day to day decision making process,
• Analysed and reported on any underlying reasons for changes and shifts identified in the portfolio financials per country and facilitated understanding of this to key stakeholders,
• Provided analytical support to the portfolio team on a routine and ad-hoc basis with the view to find patterns in data,
• Assisted with ad-hoc country requests, country risk appetite and product papers where necessary,
• Assisted with the monthly reporting packs when required,
• Met reporting deadlines and managed multiple tasks simultaneously,
• Understood the business needs and strategies,
• Constantly challenged established thinking and facilitated improvements in systems and processes.
• Performed accurate and timeous data analysis on MIS to identify variances and inconsistencies,
• Developed models to perform: Loss forecasting using single and multiple variables, Stress Testing of portfolios, Champion Challenger, Cohorts Analysis, Flow Rates Analysis, Trend Analysis
• Understood key credit budgets and business rules within Africa Credit
• Performed monthly budget and forecasting and identification of trends within portfolios and countries

Credit Impairment
* Performed data analysis and predictive modelling which improved the
accuracy of the intra-month impairments forecasting and longer-term
budgeting exercises for the Private Bank portfolio, while also ensured that
the risk levels observed for different populations within the Private Bank
book were translated into correct client pricing levels.
* Presented to CVM (Customer Value Management) Impairment Committee
the expected Impairment charge for Private Bank for the current month
after running the Intra-Month Calculation in Excel
* Maintained and streamlined the current impairment tool and process while
automated data acquisition for inputs from various sources.
* Liaised with the Private Bank Collections department to manage the legal
flow and collections estimations for impairments purposes
* Translated current forecasted figures into a dynamic template for monthly
impairment analysis.
* Investigated drivers of variance to estimations through analysis and
engagement with Private Bank team members as set out by the CVM
management team and reported on actions taken to the Manager MI and
Forecasting and the Impairment Working Day Meeting members
* Embedded through Excel VBA the link between Long-term Impairment
forecasting and current month reporting in order to leverage knowledge
gained through intra-month reporting in future budgeting cycles
* Sourced current book data within SAS to ensure that the data received by
Private Bank from business partners and the greater CVM team had been
internally validated and checked for accuracy
* Streamlined the reporting workflow to ensure value-add items were
included in the MI distributed to business.
* Fielded queries from the Private Bank stakeholders within the business
regarding variances or updates within the monthly Impairment cycle
* Analysed current Impairment forecasting tool and assessed its
shortcomings and potential improvements. Analysed and updated the
model from the ground up
* Automated data integration from SAS to Excel to update the models and
build the scenarios
* Improved forecasting of roll-rates in forecasting exercises by modelling
historical trends and calculating future projections
* Built a framework through the use of SAS and Excel for PD
calculation/assumptions within the product portfolios for Impairment
forecasting.
* Analysed current account behaviour by statement cycle to ensure that
generalisations were not made across all vintages regarding future
modelling.
* Analysed potential areas in which the margin had been eroded due to
incorrect pricing or risk deterioration to find areas that Private Bank could
better price for risk to make money.
* Suggested potential solutions, to Manager MI & Forecasting for approval, to
current pricing scenarios by building a margin optimisation model for each
of the products.
* Identified potential target areas within the book that exhibited lower than
average risk levels while maintained current price sensitivity levels to find
areas that Private Bank could better price for risk to make money.
* Liaised with the acquisitions team and manager to ensure that the current
target levels set by business were met with the optimal book segmentation
* Managed Ad-hoc queries from CVM and Business within the monthly cycle
of deliverables given that Private Bank CVM was required to complete the
monthly reporting on time while answering the potential questions.

Accepted ownership, responsibility and accountability for all retail credit risk
intelligence
* Ensured that timeous, accurate and relevant credit risk data, information
and knowledge were communicated through appropriate channels to
address and satisfy the requirements and needs of stakeholders.
* Supported executive management in credit risk strategy development and
implementation through active information and knowledge gathering,
analyses and interpretation.
* Actively managed the relationship between Credit Research and
Intelligence and the users of intelligence and knowledge as well as external
providers of skills and knowledge to the unit.
* Cultivated and stimulated a credit risk management culture and strove
towards optimal balanced credit risk management and asset growth in
partnership with stakeholders.
* Contributed towards operational efficiencies and effective delivery in the
team. Managed own and personal development in line with Group and
business unit strategic intent and outcome.
* Actively participated and contributed towards all relevant Group Credit
projects, special request forums that are aligned with the purpose
statement of CRI.
* Documented processes of various monthly and quarterly reports as best
practice for department to ensure accuracy and quality.
* Compiled application credit scoring reports on new business as well
existing customer base. Included performing scorecard analysis, risk grade
analysis, etc.
* Produced monthly reports for various SBU’s that included: Mortgage Loans
Reports, ABSA Home Loans Reports, Sanlam Home Loans Reports,
Property24 Home Loans, Meeg Bank Credit Risk Portfolio, Micro Lending
Credit Risk Reports, and Personal Loans Credit Risk Reports.

Statistical
* Prepared data and conducted statistical analyses
* Performed statistical analysis of Risk Management Programs: Monthly
reports tracking the impact of once-off or ongoing risk management
programs and interventions for managing insurance and other risk costs by
employing appropriate statistical methodologies. These reports assessed
the efficiency of such programs and provided feedback that was used to
appropriately modify interventions.
* Presented results of data analysis by organising meetings with clients, or
emails, distribution of hard copy reports.
* Continually developed existing analysis software (e.g. improved the
ProClaim Loss Analysis System which was an in-house analysis program)
and developed new statistical products such as forecasting models,
scenario models, stochastic models, multi factor models in factor analysis,
IBNR (Incurred But Not Reported) models, etc.
* Performed data mining with regards to ensuring that appropriate data and
information was sort for, gathered and tailored into projects as per client’s
specifications.
* Performed projections and forecasts: monthly analysis and projection of
claim and premium patterns for all short term insurance lines (motor,
assets, cellular, legal liability and others). This was achieved by employing
time-dependent and factor-based forecast models.
* Extracted raw data from mainframe, formatting of data, data analysis using
MS Access and SAS.
* Managed and co-ordinated projects when required and assisted teams. For
example, HIV/AIDS analysis and advice (tracking and projecting the
epidemic from both an actuarial and medical perspective); Medical Aid
Analysis, Structuring and pricing.
* Documented processes of various monthly and quarterly reports as best
practice for department to ensure accuracy and quality

Conducted statistical analysis of claims and premium figures on different
schemes and then forecasted trends, levels and loss ratios
* Compiled monthly reports and advised management on any unusual
situations observed from analysis by making presentations.
* Conducted non-routine and ad-hoc analytical research in response to
internal and external requests by identifying the client's needs, formulating
the problem and identifying appropriate statistical techniques and data used
(data mining).
* Performed project management and implementation with regards to specific
needs observed. Formulated objectives and aims, drew work plan and
made presentations of project progress.
* Maintained the forecasting and seasonality models.
* Modified models for new products. Developed models for summarising data
in new reports