Dr Zamokuhle Ndaba (PhD)

• Assist as SME for analytics applying own understanding of the operations of the business product or service. • Determine the business questions that need be answered and determine appropriate analytics models for utilization. • Translate business requirements into tangible models utilizing own understanding of the business value of projects, models and processes. • Develop and apply analytical algorithms and methods to build, test and implement robust mathematical models and analytical solutions that address business problem, opportunities and improve business outcomes i.e., reduced risk and costs, increased profitability, optimized efficiency and to facilitate strategic decision-making. • Build models that analyze processes to recommend areas for optimization to achieve cost savings, revenue generation or efficiency improvements for the business. • Assist in analysis of available data to identify information commercialization opportunities that have not been explored to address business needs and revenue options.

Conduct data analysis to elicit key findings to improve customer experience, driving the communication of the findings appropriately through the business to inform continuous improvement, development, and ownership of tools to unpack textual feedback to support analysis

Built accurate pricing and profitability models in line with the Return on Equity Policy and Guidance. Ensure that the front line is equipped with pricing mandates to enable appropriate decision making. • Supporting the customer level pricing strategy across the broader BCC. • Carrying out pricing, margin analysis, competitor and market trend analysis. • Updating and maintaining the pricing tool and cost allocation model. • Support the Head of Pricing guide client pricing strategy. • Supporting Product houses (Transactional, Lending and Investment) pricing strategy. • Price points modelling for Annual Pricing Review (APR) and post implementation analysis. • Enabling and supporting coverage pricing empowerment. • Carrying out competitor pricing analysis and research. • Revenue optimisation on new and existing products. • Elasticity/ Client price sensitivity analysis. • Updating and maintaining pricing and forecasting models. • Updating and maintaining clustering and classification models. • Responsible for pricing of non-vanilla structured deals. • Commercial credit and risk modelling (PD and LGD). • Public sector and complex deal structuring.

Grow Ecosystem revenues by the agreed metrics, develop initiatives to foster collaboration among various teams and drive a cross selling culture across the area to maximise Business Banking growth, retention and profitability targets for the Bank. Acted as the custodian for optimal ecosystem service delivery within the catchment and facilitated the administration and analysis of the client service surveys, as well as the implementation of focused action plans needed to address the gaps identified in ecosystems across various segments. • Execution of Commercial Banking strategy plans with regards to ecosystems. • Drove the operationalisation and implementation of ecosystems. • Provided input into ecosystem operational plans. • Conducted sector and industry research. • Project managed the design and implementation of products. • Identified strengths and weaknesses in the Commercial Banking segment. • Worked with MI team to develop, implement and manage measurement systems. • Tracked the achievement of sector financial targets through ecosystems. • Provided direction to the catchment teams on financial budgets and forecasts. • Drove ecosystems sales targets by tracking, measuring and managing performance. • Developed and implemented sales and marketing best practices. • Managed the operational risk for ecosystems.

Identified opportunities for additional revenue within the base, revenue leakage and minimise revenue loss. Supported RM's/PM's with data, Volume Insights and Financial Performance analytics. • Analysis in the client base to pick up silent attrition feeding into retention strategy. • Clients’ profitability and pricing analysis for Commercial Banking. • Customer deep dives to enable the acquisition of the client ecosystem. • Scenario base analysis for pricing. • Data analysis and manipulation. • Stakeholder management.

Managed the sample collection and sample suitability for setup / analysis, ensuring that equipment was maintained in terms of defined processes and procedures and where applicable prepare reagents and media. • Managed data required for the efficient functioning and smooth running of the lab. • Monitoring work, staff and equipment to obtain maximized outcomes. • Conducted, processed and interpreted tests in terms of prescribed procedures. • Reported and verified results, ensured that results were delivered timeously to source. • Undertakook troubleshooting wherever necessary.

Research Topic: “Development of the Household Housing Insecurity Index (HHII) in South Africa: evidence from Gauteng and Kwa-Zulu Natal”

Research Topic: “Relationship between democracy and economic growth”, Johannesburg”

Distinctions: Financial Economics; Microeconomics

Distinctions: Macroeconomics; Financial Economics; Risk Management in Banking; Applied Statistics