Mpho M.

Regional CFO responsible for both the Eastern and Western Cape involved in the following: -Strategic Business Partnerships · Leadership · Data Analysis · Business Strategy; EXCO; MANCO; Finance; Human Capital; Operations, Sales;

I am currently the Regional CFO for FNB commercial responsible for Western and Eastern Cape Region in the Business Banking space. I am a member of both the MANCO, EXCO and Pricing and Credit Committee for the two provinces. My responsibilities include looking after the following areas: Operations, Risk Management, Human Capital, Events and Marketing, Client Relationships, Finance, Pricing, Sales, and Service as well as Strategy).My Province has over 300 Bankers, responsible for over 180 000 customer relationships ranging from the Gold Segment with a turnover of R0-10 mil all the way to Enterprise clients with a turnover of more than R 150m a year with an average VSI of over 8 per customer. As part of this role, I have assisted the Company correctly align the customers into the correct Business Segment which enabled more value proposition, correct servicing model, correct pricing while unlocking capacity for the Business, Monitoring, managing, and reducing unit costs, Managing SLA’s and increasing revenue. I also looked after a team of Business Intelligence analysts and a vast number of Front-Line staff (Bankers) and Support staff: · Develop and implement financial strategies to align with the company's objectives of establishing growing the client base while keeping the existing ones · Lead the identification, evaluation, and integration of potential acquisitions to strengthen the company's service offerings and market presence. · Undertake financial reporting for both internal stakeholders and external regulatory bodies. · Lead the management of financial risks related to the company's expansion and acquisition initiatives. · Lead and foster the growth and development of a high-performance team, and establish a culture of collaboration, innovation, and accountability

Responsible for the day to day running of the Credit Card Finance department running of the Balance Sheet Management function for the group, including Capital, Margins and Liquidity Management

Head of reporting for Secured Lending cluster at FNB

In this role I was the primary contact point for external stakeholders as well as First Rand in reporting requirements and ensuring all reporting requirements and needs are met. This also involved providing robust finance services and systems and effectively lead and manage organizational wide financial reporting standards of the highest professional standards for First Rand Bank, that also meet Statutory and Regulatory reporting requirements; my role included the following: · Developing and maintaining relationships will all the different Business units across FNB as well as the different franchises within the First Rand group including Group Treasury · Understanding of different Business needs from a system and reporting requirements as well as developing solutions to create efficiencies around reporting. · Involved in Project costing and Budgeting for all the different Projects carried by the PMO team

• Evaluating and implementing risk management processes and systems in particular relating to the reconciliation of risk and finance information and the analysis thereof. • Daily risk profit/loss attribution including portfolio performance trend analysis. • Assisting with the valuations process of financial instruments. • Identifying, quantifying, analyzing and troubleshooting market risk issues. • Testing and validating new methodologies, systems and processes. • Populating the Risk P&L for IBD’s deal portfolios and the hedge portfolio’s. • Involvement in projects to improve risk reporting and daily P&L process. • Monthly MIS analysis

• Preparations of budgets and forecasts • Cost allocations • Cash management • Preparing Annual Financial Statements • Year-end reporting including consolidations of financial information • Reconciliations • Liaising with finance departments and resolving management accounting queries • Ad-hoc analyses and reports as required • preparation and submission of Statutory returns for the company including Vat and Income tax

• Preparing and distributing the OPS report for EXCO and Board meetings • Preparing and consolidation of Financial statements across the different countries • Due diligence reviews • Providing Technical support and opinions for different transactions for the different subsidiaries • Reporting and Reconciliations • preparations of Budgets and forecasting including consolidations

• Preparing the Monthly flash reports and variance analysis • HFM reporting (consolidations) monthly • Preparing and distributing the OPS report for EXCO and Board meeting • Preparing the Vat return for Submission and Payment to SARS • Preparing the Suspended Interest schedule and entries for processing • Monthly GL queries resolutions from Finance • Preparation of the Nimble Pay over file for collections • Implement all audit recommendations in area of accountability • Bad debt book Valuation for sale as well as the strategy surrounding our Bad debt book sale • Preparations of Financial statements for the allocated JV’s • Preparations of Business cases for consideration by external stakeholders • Preparing and attending Board meetings for the relevant JV’s allocated

• Understanding as well as unpacking the different BA returns as per SARB requirements • Preparing the Balanced Score Card for our Managing Executive as well as regional Business Heads and their Divisional Executives • Preparing Budgets for Head Office • Cost management • Implementing new models, e.g. IAS 39 and IAS 18 models in accordance with the requirements of IFRS • Investigations and implementations of IFRS requirements, e.g. a statement on Provisions, deciding whether a provision should be raised or not

SAICA articles requirements

Vacation work