Zakhele Nyembe
Key Account Market Liason
Winnenden,BW
Summary
Accomplished Credit Risk professional with vast business experience spanning 20 years across different financial services functional domains such as Credit, Operations as well as Finance and Controlling. Passionate about process improvement driven by the quest for end-to-end digitization. Experienced in managing multi billion portfolio. Focused on getting results to grow the business with a customer centric approach. Capable to develop, implement and manage the strategic direction for Credit and Operations.
Overview
28
28
years of professional experience
Work History
Key Account Market Liaison
Mercedes-Benz Mobility AG
09.2022 - Current
- Identify, monitor, control and report on the aggregate credit risks of assigned overseas markets relative to the overall MBM risk appetite and strategy.
- Ensure quality through independently analyzing and controlling credit risks, challenging local market information, aggregating it and reporting upward.
- Oversee aggregate risk exposures against set appetite; addressing or escalating excessive risk taking or undesirable risk behaviors.
- Providing independent, risk-based view to strategic planning.
- Actively steer based on high risk and early warning indicators. Act accordingly, including leading the clarification of issues encountered during the monitoring and steering of global and market credit quality.
- Monitor and support credit risk steering of assigned overseas markets based on the market`s risk KPIs and audit results, supporting and overseeing the development of appropriate risk-mitigating measures.
- Support implementation of EL-steering for retail credit.
- Serve as the primary point of contact, fostering strong relationships and trust between internal teams and external stakeholders.
- Supported organizational growth through active participation in key strategic projects i.e. OneHUB, E2E Online Journey and ACD that propel the organizational transformation.
- Maintained a high degree of professionalism at all times, representing the organization with integrity in both internal and external interactions.
Credit Manager
Mercedes-Benz Financial Services (Pty) Ltd
8 2018 - 07.2022
- Credit risk management ensuring effective risk assessment for quality portfolio development
- Steering the productive capacity of staff through effective collaboration, teamwork and target achievements
- Lead the Retail Scorecard Strategy Development Manage the department's policies and procedures (Credit Rules, Product Rules, Scoring and Rating Policy)
- Lead the team of credit analyst to ensure high quality credit decisions output and advancing automation through Automated Credit Decision strategy
- Team development through regular mentoring and coaching to upgrade skills and knowledge of the team
- Manage Departmental Budgets
- Maintain strong relations with our stakeholders and ensure adherence to service level agreements
- Drive strategic projects with the functional role and support other business initiatives to optimise strategic benefit for the company
Manager: Portfolio Risk Management
Mercedes-Benz Financial Services (Pty) Ltd
07.2012 - 07.2018
- Portfolio management and analysis reporting, identifying risks and opportunities driving strategic objectives and implement measures to steer achievement of Balanced Scorecard targets
- Utilise analysis intelligence to implement changes on the buying policies to improve profitability
- Monitor the scorecard effectiveness and recommend changes to ensure acceptable risk exposure
- Support Financial Product development
- Project initiatives implementation IFRS9, Dealer Agreements Review and Operative Planning support
- Promote portfolio insights and knowledge sharing through the Portfolio Review meetings
- Ensure adherence to Portfolio Analysis Policy
- Leverage on the international synergies to improve processes and procedures
- Management and development of staff
- Stakeholder relations for both internal and external clients
- Formulation of structured reporting process and adoption of advanced reporting tools.
Credit Manager
Mercedes-Benz Financial Services (Pty) Ltd
07.2008 - 06.2012
- Credit granting within the delegated authority
- Develop the department's policies and procedures
- Maintain relations with stakeholders including Sales and Dealer Network
- Employment of Retail and SME credit risk portfolio management strategies
- Managed the transition from dual matrix scorecard and expert type scorecard into the new generation tailored statistical scorecards
Team Manager
Mercedes-Benz Financial Services (Pty) Ltd
04.2006 - 06.2008
- Manage Collectors and Maturity Administrators
- Management of daily departmental operations including monitoring of delinquency levels and assigning tasks to relevant teams
- Prepare and Manage Maturity Reports
- Review workout plans incl NPL Restructure requests
- Authorise release of repossessed vehicles
Team Leader
Mercedes-Benz Financial Services (Pty) Ltd
03.2004 - 03.2006
- Assessment of Credit Applications
- Analysis of Bank Statements and Financials
- Making appropriate credit decisions in compliance with credit philosophy and policy
- Generates new business and sustain existing clientele
- Supervising the team of Credit Analysts
- Managing the daily operations and work process flow
- Reporting on the monthly business activity review
- Coaching and mentoring the team of credit analysts.
Credit Analyst
Nedbank
02.2000 - 03.2004
- Credit granting in the Asset Based Finance environment
- Adherence to credit policies and guidelines
- Focus on risk management controls and continually review business process
- Identify new potential risk groups
Manager's Assistant
Nedbank
12.1998 - 01.2000
- Preparation of credit applications and making recommendations for the Credit Manager to authorise within the delegated credit authority
- Communicates with the dealers and various branches of the bank to handle application queries and review escalations
Trainee Accountant
Denel Informatics
06.1996 - 08.1996
- Cash Book Reconciliation Statements Credit Control
Education
MBA -
MANCOSA
Higher National Diploma - undefined
Tshwane University of Technology
Skills
Credit Risk Management
Financial Analysis and Interpretation
Leadership
Change Management
Business Strategy
Business Process Governance
Analytical Thinking
Decision-Making
Effective Communication
Problem-Solving
Attention to Detail
Timeline
Key Account Market Liaison
Mercedes-Benz Mobility AG
09.2022 - Current
Manager: Portfolio Risk Management
Mercedes-Benz Financial Services (Pty) Ltd
07.2012 - 07.2018
Credit Manager
Mercedes-Benz Financial Services (Pty) Ltd
07.2008 - 06.2012
Team Manager
Mercedes-Benz Financial Services (Pty) Ltd
04.2006 - 06.2008
Team Leader
Mercedes-Benz Financial Services (Pty) Ltd
03.2004 - 03.2006
Credit Analyst
Nedbank
02.2000 - 03.2004
Manager's Assistant
Nedbank
12.1998 - 01.2000
Trainee Accountant
Denel Informatics
06.1996 - 08.1996
Credit Manager
Mercedes-Benz Financial Services (Pty) Ltd
8 2018 - 07.2022
MBA -
MANCOSA
Higher National Diploma - undefined
Tshwane University of Technology
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