Rodwell Mwepu
City of Johannesburg
Summary
I transform the way banks manage risk and serve customers by merging cutting-edge AI with deep banking expertise.
WHAT I DO:
As a Senior Credit Manager at Standard Bank Group, I
- Design data-driven solutions that reduce risk, and have built automation tools that saved over USD 60 million in potential losses across three African markets.
- Boost financial inclusion: Led Zambia's first 3-minute digital loan platform, now serving thousands of customers.
- Drive profitability: Increased digital loan uptake in the Zambian market by 120% using machine learning, without relaxing risk appetite or changing credit policies.
MY EXPERTISE:
- AI/ML for credit: Python-powered scoring models, bot automation, and predictive analytics.
- Digital Lending: End-to-end digitization (from application to disbursement).
- Risk Strategy: Basel II/III compliance, portfolio optimization, and stress testing.
WHY IT MATTERS:
- Africa's banking landscape is evolving rapidly.
- Africa's banking landscape is evolving rapidly. My work ensures that banks can lend smarter and safer. Customers get faster, fairer access to credit. Markets grow sustainably through data-backed decisions.
Overview
13
13
years of professional experience
1
1
Certification
Work History
Senior Manager Regional Credit Portfolio Management, Analytics & Risk Appetite - Africa Regions
Standard Bank Group
City of Johannesburg
01.2024 - Current
- Heading Retail Credit for South & Central Africa in Africa's largest financial institution by assets.
- Responsible for a high value portfolio of assets and supporting a team of competent creditor managers across Zambia, Zimbabwe, Lesotho, Eswatini, Mozambique and Botswana.
Manager - Credit Reporting & Analytics
Stanbic Bank Zambia
Lusaka
03.2020 - 12.2023
Country Portfolio Manager - Scored Lending (Digital Loans)
Stanbic Bank Zambia
Lusaka
06.2019 - 12.2023
- Managing the bank's new digital loan proposition for personal and business banking customers.
- This includes monitoring and enhancement of AI implementations of credit evaluation to ensure ROE is above targets and credit loss ratio is below risk appetite threshold.
Country Credit Lead - Lending Digitisation
Stanbic Bank Zambia
Lusaka
03.2019 - 06.2020
- Co-creation, systems integration testing, user acceptance testing and deployment of the bank's new digital lending proposition for personal and business customers.
- Customers would now be pre-scored for loans and offered loans digitally through online channels within 3 minutes of applying.
- This is a first of its kind on the Zambian financial market.
- Landing this product required full appreciation of customer insights, artificial intelligence (machine learning), intelligent automation, agile methodology and product development.
Officer - PBB Credit Risk Management
Stanbic Bank Zambia
Lusaka
04.2019 - 03.2020
- Handled reporting for the account management function of personal and business banking.
- This ensured credit risks indicators or operational issues are identified promptly and remedial actions taken to proactively.
Officer - Specialized Recoveries
Stanbic Bank Zambia
Lusaka
06.2017 - 03.2019
- Performing specialised recoveries on business banking clients in default.
- This involved debt collection, obtaining and enforcing consent judgements, initiating receiverships, performing repositions, managing a panel of external law firms, arranging mediations, discharging collateral, et cetera.
Officer Collections - Rehabilitations
Stanbic Bank Zambia
Lusaka
02.2016 - 06.2017
Agency Banking Officer
Investrust Bank Plc
Copperbelt University Branch
09.2014 - 02.2016
Recoveries Officer
Stanbic Bank Zambia
Lusaka
05.2013 - 05.2014
Sales Executive - Small & Medium Enterprises
Stanbic Bank Zambia
Lusaka
02.2013 - 05.2013
Consultant - Content Development
Youth Investment Trust of Zambia
Kabulonga
03.2012 - 12.2012
Education
Executive Management Development Programme - Non Financial Risk Management
Henley Business School
11.2021
Professional Diploma - Banking and Financial Services
Zambia Institute of Banking and Financial Services
12.2015
Bachelor's Degree - Forestry
The Copperbelt University
12.2010
Skills
- Credit risk analysis
- Portfolio management
- Digital lending strategies
- AI credit evaluation
- Strategic planning
- Data visualization
- SQL queries
- Python programming
- Statistical analysis
- Predictive modeling
- Debt collection strategies
- Customer relationship management
- Regulatory compliance
- Risk appetite management
- Stakeholder engagement
- Process automation
- Interpersonal communication
Personal Information
Title: AI-Powered Credit Risk Leader | Digital Lending Innovator | Fintech Solutions for Africa
Certification
- Data Science
- ACI Dealing Certificate
Awards
- Employee of the Quarter - CBU Branch
- Personal & Business Banking Mark of Excellence - Stanbic Bank Zambia
- Personal & Business Banking Mark of Excellence - Standard Bank Group
- Beyond Excellence Award
Languages
English, Full Professional
References
References available upon request.
Timeline
Senior Manager Regional Credit Portfolio Management, Analytics & Risk Appetite - Africa Regions
Standard Bank Group
01.2024 - Current
Manager - Credit Reporting & Analytics
Stanbic Bank Zambia
03.2020 - 12.2023
Country Portfolio Manager - Scored Lending (Digital Loans)
Stanbic Bank Zambia
06.2019 - 12.2023
Officer - PBB Credit Risk Management
Stanbic Bank Zambia
04.2019 - 03.2020
Country Credit Lead - Lending Digitisation
Stanbic Bank Zambia
03.2019 - 06.2020
Officer - Specialized Recoveries
Stanbic Bank Zambia
06.2017 - 03.2019
Officer Collections - Rehabilitations
Stanbic Bank Zambia
02.2016 - 06.2017
Agency Banking Officer
Investrust Bank Plc
09.2014 - 02.2016
Recoveries Officer
Stanbic Bank Zambia
05.2013 - 05.2014
Sales Executive - Small & Medium Enterprises
Stanbic Bank Zambia
02.2013 - 05.2013
Consultant - Content Development
Youth Investment Trust of Zambia
03.2012 - 12.2012
Executive Management Development Programme - Non Financial Risk Management
Henley Business School
Professional Diploma - Banking and Financial Services
Zambia Institute of Banking and Financial Services
Bachelor's Degree - Forestry
The Copperbelt University
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