Sidimohamed holds a Bachelor's in Econometrics from Hassan II University, an MBA in Finance from Cameron School of Business, and an MIB from the University of Saint Thomas. He began his career in 2002 at JP Morgan Chase and later worked as a Financial Advisor at Mercury Financial. In 2006, he joined Bank of Africa (BOA) as a Senior Risk Manager, where he oversaw the deployment of risk management engineering for the group's subsidiaries.
In 2010, he joined Experian Group, holding several senior positions, including Director of Business Development for French speaking Africa and Deputy Managing Director of the Moroccan subsidiary. In 2015, M. Abouchikhi was appointed Managing Director of Creditinfo Morocco, previously known as Experian Morocco. At Creditinfo, he played a pivotal role in the company's growth and strategic development. He spearheaded the successful implementation of numerous Credit Bureau projects in diverse regions, including Morocco, West Africa (8 countries), Central Africa, Mauritania, Haiti, Oman, Sri Lanka. His leadership contributed to expanding Creditinfo's global footprint and enhancing its risk management solutions.
Abouchikhi is highly regarded for his expertise in risk management, earning recognition from international organizations such as the IDB, World Bank, IFC, Arab Monetary Fund, KFW, and AFD.

Sharief has over 29 years of specialist retail credit and applied consumer data experience relating to lending exposure management and profitability maximization. He has an in-depth understanding of the credit lifecycle (acquisitions, ECM & collections/ recoveries, provisioning) with a comprehensive understanding of its consumer, governance and commercial impacts. To this end, he has successfully managed 7 large consumer credit portfolios across retail apparel and banking sectors, within RSA and the Middle East. He also extensively consulted to consumer lending institutions through the EMEA region and is an expert in applying strategies for improved credit portfolio management using credit scoring, credit system data workflows, data integration, bureau data aggregation, decision analysis and process level solution designs. He attributes credit portfolio success to the availability and bespoke analysis of data, with robust commercial process thinking and uncompromising execution.
After serving on the SACRRA Manco from 2018 to 2020, he continued to serve as the Data Lead on the SACRRA Governing Body with the similar intent to champion the SACRRA strategic agenda of the data sharing ecosystem as a whole. He is employed by the Foschini Retail Group since 2011 and following growing global trends of increased credit and data regulation, information governance and co-operative partnerships; assumes a role in Partnerships & Governance.
Sharief is passionate about using data as an economic growth enabler for developing markets and empowering the next generation of data-savvy consumer credit problem solvers.

Thalita is the co-founder and Managing Director of Alona Advisory Services. She has over two decades of advisory and executive management experience. Her advisory expertise lies in Strategy, Business Optimisation, Governance, Risk and Compliance, and People Management across various sectors such as Mining, FMCG, Energy, Public and Financial Services. She has assisted various organisations to create winning strategies supported by cogent and coherent plans of action to meet defined strategic goals and align organisational culture, values, and people for enhanced delivery and profitability, whilst navigating the complex world of risk, regulations and compliance. Outside of her activities at Alona Advisory Services, she serves as non-executive Director of Sasol South Africa, Sasol Khanyisa Public, Sasol Khanyisa Fundco and Verifone Africa. She has been profiled, along with many other global leaders, in Dr John C Maxwell’s book titled “Put Your Dream to the Test: 10 Questions that Will Help You See It and Seize It”. She has also been invited by academic institutions such as Wits University and Gordon Institute of Business Science to deliver papers on Change Management, Performance and Productivity Management.

John has over 25 years of experience in finance and credit bureaus, and he currently spearheads the strategy and execution behind Creditinfo’s solutions and products for all 30 of its credit bureaus, which are spread across 50 different countries.
John brings almost three decades of experience in leading top-performing teams, delivering pioneering solutions, and galvanising high-value market leading companies within the global financial community. A reputable industry expert, John previously led Transunion’s GFS business for international regions and has spent the last couple of years as an advisor to Private Equity firms in addition to helping scale early-stage technology companies, most recently Xapien.
As CCO of Creditinfo, draws on his extensive sector knowledge and experience to leverage Creditinfo’s technology and data to push innovation forward and ensure it meets customer expectations and needs.

Following being a Senior Executive at Standard Bank and African Bank for many years, Charles started CSC Advisory as Principal in 2015 to provide strategic advisory services to players in the SA Financial Sector. He was previously a board member on Stangen and King Price Life, a shareholder and director of Payabill (SME Finance Fintech) and a shareholder of Peach Payments (Pan-African Payments Fintech). He started his career as a statistician and designer/developer of computer-based testing systems at the National Institute for Personnel Research. During his employment at Standard Bank, he initially headed up the Human Resources Planning function of the Group, moving into various roles as Director, Personal Markets, Director: Banking Products and Director: Mass Markets and Retail Africa. Charles was seconded by Standard Bank to the Banking Association of South Africa to head the Financial Sector Charter Access Initiatives which included spearheading Mzansi, the national interbank initiative aimed at transactional access of financial services to low-income South Africans. At African Bank, he was responsible for underwriting, product management, credit cards as well as strategy, distribution, marketing and product. Charles sat on various boards during his career.

Qualifications: B. Sc. Hons (Statistics) – University of the Witwatersrand, MSc. (Statistics) – University of Edinburgh, Master of Business Leadership (MBL) – University of South Africa (UNISA), Advanced Management Program (AMP) – Harvard University.

Zjaén is an award-winning data, digital, and business executive with over 14 years of experience in the telecommunications and technology sectors. He has led large teams on multi-million-dollar projects, consistently delivering outstanding results. Zjaén has consulted for many of South Africa’s top companies and government entities, building a strong international network of business and data leaders. His dedication to professional growth and community upliftment earned him the 2017 Standard Bank Rising Star Award for ICT and recognition as one of the 2020 Global Top 100 Innovators in Data & Analytics. Now in a consultative role in Business Development for Business and Digital Advisory at BCX, Zjaén helps senior business leaders and companies realize the maximum value from their data, driving impactful change and strategic decision-making. His passion for data strategy, management, and governance, along with his innovative approach to digital disruption, has positioned him as a thought leader. As a co-author of "Accelerate Your Data Value Confidently," he shares practical insights for unlocking data's full potential.

Jared Getenga is the Chief Executive Officer, Credit Information Sharing Association of Kenya (CIS Kenya). He worked for the Central Bank of Kenya (CBK) for more than 20 years in Banking Supervision and Deposit Protection. His Banking Supervision experience was largely in policy formulation on banking sector stability.

He also worked as CBK-Appointed Statutory Advisor, Statutory Manager and Liquidation Agent in several troubled banks. Jared was later appointed Financial Sector Specialist with the Financial and Legal Sector Technical Assistance Project (FLSTAP), funded by the World Bank IDA, DFID and GOK for purposes of coordinating technical assistance to Kenya’s Financial and Legal sectors.

On secondment from CBK, he founded the Kenya Credit Information Sharing Initiative in 2019, as a vehicle to establish the credit information sharing (CIS) mechanism in Kenya. Having registered a nationwide credit providers Association (AKCP) in 2014, he was appointed founder CEO and helped develop mechanisms for self-regulation, alternative dispute resolution, credit scoring, credit risk management etc. He is a committee member of the Africa Credit Information Sharing Association (ACISA) and the International Committee for Credit Reporting (ICCR).

AKCP rebranded to CIS Kenya in order to align more closely to its mandate.

Philip Gichangi is credit, risk, data and technology professional with over 15 years' experience in the industry, specializing in utilizing data and technology in the management of financial risk to inform strategic decision making. Currently, he is the Head of Lending Risk at KCB Group PLC - the largest financial institution in Eastern Africa.
Philip is passionate about data and its application in the development of innovative solutions. He has played a key role in the development of many successful and innovative lending products within the region.

Gideon Kipyakwai is the CEO of Metropol CRB. He has served in several technical working groups in the Credit Information Sharing space in the past 7 years. He is a professional member of Institute of Certified Public Accountants of Kenya (ICPAK) and Institute of Certified Secretaries (ICS). His background includes MBA (MUA- Kenya), MSc (UH- USA), BSc (Maseno – Kenya), and several Advanced Leadership and management certifications from The Shidler College of Business (USA). He is currently a PhD candidate in the field of Leadership and Management at the Management University of Africa.
He has experience in banking having served in Consumer Banking at Standard Chartered Bank, and in Operations and Corporate Banking in KCB.

Daniel Lauchenauer graduated from ETH Zurich in 2001 with a Federal Diploma in Physics. He then worked in the private sector until 2005. Between 2005 and 2009, Mr Lauchenauer worked for Swisscontact on international development cooperation projects on skills development in Albania.
Between 2009 and 2011, Mr Lauchenauer represented the interests of the Federal Office of Public Health as contact point for training in radiation protection. From August 2011 to July 2019, Mr Lauchenau-er worked as Project Manager International Cooperation at the Insti-tute of Intellectual Property (IPI). He was then detached to Accra as Deputy Head of Economic Development Cooperation. Since August 2019, he has been working as a programme officer at SECO in the Trade Promotion Unit (WEHU).
Since January 2023, Daniel Lauchenauer is the Head of Economic Development Cooperation at the Swiss Embassy in Pretoria.

Allan is the Chief Executive Officer, Data Horizons ( https://datahorizons.co.za/privacy-notice/) . He is passionate about Data - understanding, protecting it and deriving full value from effective management, governance and use. Allan has over 35 years' experience in in all spheres of Information Technology - Analysis, Development, Architecture, Project Management and Leadership and has spent over 25 years in leadership positions. Allan is passionate about technology and helping companies leverage the most value from their data assets. He has the DAMA CDMP (Master level) certification and training on various aspects of data management.
His focus is on assisting organisations understand and develop programs for Data and Information Governance and Data Privacy, including all aspects of planning, education, development of frameworks, policies, processes and practical implementation. He is an
internationally certified Privacy Consutant (IAPP - CIPP/E, CIPM, CIPT, AIGP, FIP) and, aside from assisting with effective operations of privacy and governance, he also trains legal, compliance, risk and technology professionals in these essential disciplines.

Tom Loxton has been working in data and analytics for various large financial institutions in the EMEA region for the last 20 years, specialising in the implementation of data management and analytics strategies, inlcuding governance & architecture standards to enable data-driven decision-making. Tom is currently the Head of Data for UK scale-up logistics tech company AnyVan, after recently returning from Amsterdam working at the Dutch Bank ABN AMRO as an Enterprise Data Strategy Advisor.

Astrid Ludin is a Deputy Commissioner at the Financial Sector Conduct Authority of South Africa since June 2021. Her responsibilities include oversight over financial market and retirement fund supervision. She has more than 25 years of experience in public policy and regulation, and led major law reforms, including the reform of company, consumer protection and credit legislation in South Africa between 2002 and 2007. In her capacity as Deputy Director-General at the dtic, she had policy responsibility for competition, company, intellectual property, consumer protection, credit, gambling, lotteries, and liquor legislation and exercised oversight over the associated regulatory agencies.

Astrid spent 3 years at the Competition Commission (1999 to 2002), responsible for stakeholder relations, communications, education and voluntary compliance, and was involved in a number of major mergers and investigations. She served as the first Commissioner of the Companies and Intellectual Property Commission (CIPC) between 2011 and 2015, where she oversaw the modernisation of the office and its transformation into a regulatory institution.

In various consulting capacities, Astrid has provided research and policy advice to the dtic, the National Treasury, the Prudential Authority, Strate, a range of South African financial services firms, and financial sector regulators in Africa. Her areas of expertise include consumer protection, market conduct and financial market regulation, financial inclusion, financial education and innovation.

Ms Nthupang Magolego is a result-driven and motivated Legal Executive with more than 18 years as a legal professional, boasting extensive experience in providing comprehensive support and assistance on complex legal issues.

Adept at financial regulatory issues as well as building corporate Legal Services capacity by implementing strategies to develop organisational legal knowledge, Ms Magolego has a B Iuris and LLB degrees, obtained from the University of Pretoria, and an LLM obtained from Unisa. Ms Magolego is an admitted attorney and conveyancer, and before joining the NCR, Ms Magolego worked for various organisations such as private law firms (local and international), academic institutions and institutions supporting the development of small businesses.
She joined the NCR, initially as the Manager for the Investigations and Enforcement Department where she was responsible for overseeing the investigations of allegations of non-compliance with the provisions of the National Credit Act, as well as taking enforcement action against entities found to be non-compliant with the National Credit Act through various tools, including referrals of matters to the National Consumer Tribunal. Ms Magolego is currently the Executive Senior Legal Advisor, where she is responsible for, amongst others, providing strategic legal guidance to the NCR on its mandate under the National Credit Act.

Ms. Magolego also excels in stakeholder engagement and collaboration, for purposes of developing strategies and policies on matters of common interest.

My current role as Managing Executive of the Credit Bureau Association (“CBA”), which commenced in mid-2017, is in the ever-evolving credit industry. I manage the various credit bureau workstreams for all the full member CBA members (6 credit bureaus) as well as the Reseller/Niche credit bureaus. Over the past few years, under my leadership, the CBA has: i) enabled credit bureaus to prepare extensively for their obligations under the privacy law; ii) provided input into legislation on all aspects affecting credit bureaus; iii) undertaken a number of key data initiatives to enhance alignment of data between the credit bureaus, including alignment incoming data, rejections and deviations; iv) undertaken the Manual Amendment and Paid-up Judgment projects and hope to shortly implement the Debt Counselling project; v) since 2020, the CBA has provided consolidated industry reporting to the NCR; and vi) provided education on credit and credit bureaus to numerous school leavers and university studies.
• Admitted as a Legal practitioner in South Africa (Advocate since 1990, now a Legal practitioner)
• Accredited mediator with FAMAC
• Currently undertaking a Masters Degree in Law through the University of Law in the United Kingdom
• Practiced law in leading law firms in Botswana and Dubai, as well as Group Legal Counsel (encompassing Legal, Risk and Compliance) in various entities in the Financial/Banking/Credit industry in a legal/business career that has spanned almost 30 years

25 years’ experience in law, particularly in commercial law, financial services and information sharing
Holds B.Proc, LLB, LLM (Corporate Law) and MBA degrees
In-house legal adviser in the Group Legal Division of Standard Bank 1999 – 2007 [incl. NCA Project (2006-7]
Set up a legal team within the Credit Division of Retail Bank in 2007
Took up the position of Group Risk Executive at TransUnion Africa (TUA) in 2009 
Set up own practice (Maino Stoger Incorporated) in 2012, focusing on:
commercial law
regulatory advice (NCA, PoPIA, product development) 
Cross border information sharing initiatives, through World Bank and Finmark Trust, e.g., the writing of information sharing laws for Botswana, the development of on-site inspection programs for the Bank of Tanzania and the regulations and procedures for the registration of the first credit bureau in Senegal (BCEAO)

Anda Makrwede is an attorney, currently acting as the senior legal advisor at Executive department, with a background in private practice before joining the NCR in 2023. Born and raised in the old Transkei, Mthatha he still calls home, Anda enjoys legislative research topics, legal advisory and insights into dealing with loopholes in the law.
At the NCR, Anda has been able to drive analytical thought and reasoning to various matters concerning his duties in his acting position and when he was a supervisor in the Complaints department.
He is team player that finds collaborative efforts to be stimulating and challenging enough to find solutions to many of work and life’s challenges.
A strong believer in the power of positive thinking, he shares this belief in the workplace and everyday life where he enjoys time with his young family and working on DIY woodwork projects or writing music.

Collen Masunda is a Credit Information Specialist at the IFC, supporting the Credit Infrastructure Global team since 2018. In this role, he provides credit information and data analytics advisory technical assistance. He is also the Deputy Secretariat of the International Committee on Credit Reporting (ICCR), the only recognized standard-setting body in credit reporting.

He has over a decade prior experience in central banking covering bank supervision; risk management, credit infrastructure; fintech; financial inclusion; policy formulation and implementation.

Collen holds a Master of Commerce in Development from the University of Cape Town Graduate School of Business, Bachelor of Commerce and is Chartered Certified Accountant. He also holds Graduate certificates in Applied Business Analytics and Project Management from Boston University.

Bachelor of Business Science (mathematical economics) – University of Cape Town
Illana is a member of the Governing Body of SACRRA. She is a lifelong consultant and has spent much of her career analysing consumer data, with an emphasis on lower income households and access to and usage of financial services. She currently leads a team of data scientists and researchers at 71point4 Consulting.
Illana started her career at global management consultancies Monitor and Accenture. In 2001, Illana started Eighty20 Consulting and led their strategic research division until 2017. While at Eighty20 Illana worked extensively with survey data and transactional data, including record level credit bureau data, to understand key topics including mortgage performance and access, consumer credit utilisation patterns and indebtedness, upward mobility and household expenditure patterns.
In 2018 Illana established 71point4 Consulting which currently works on projects in South Africa, Rwanda, Tanzania, Ghana and Kenya across a number of sectors including agriculture, transport, affordable housing, digital financial services and credit. A key project in South Africa is the Tenure Support Centre (TSC), an award-winning advice office which assists property-owners who have title deed problems. As a direct result of the project, the issue of titling has been escalated as a priority project within Operation Vulindlela in the Office of the Presidency. Illana and her team currently provide technical support to that project.

Magauta Mphahlele currently serves as the Executive Director of the South African Credit and Risk Reporting Association (SACRRA). SACRRA is responsible for setting the credit and risk reporting standards and managing the system through which credit and risk information is submitted to the credit bureaus in compliance with the National Credit Act. SACCRA is a voluntary industry body, whose members are banks, microlenders, non-bank credit providers, clothing and furniture retailers, Insurers and Telecommunication companies.
Prior to joining SACRRA she served as the Chairperson and then later the Ombudsman for the Consumer Goods and Services Ombud Office. The CGSO is an Alternative Dispute Resolution Scheme for the Consumer Goods and Services Industry. The CGSO mediates disputes between suppliers of goods and services and their customers.

Her extensive experience in credit and general consumer protection spans more than 25 years. She has served as an adjudicator at the Gauteng Rental Tribunal, National Consumer Tribunal and Gauteng Consumer Court. The Consumer Protection Act and National Credit Act were conceptualized, consulted on and passed into law under her leadership as the Consumer Law Reform Project Manager at the Department of Trade and Industry.
Magauta holds an Honors Degree in Applied Linguistics and a Postgraduate Diploma in English Education from Wits University. In 2018 she completed the International Executive Development Program in Developmental Finance offered by Wits University.

Her passion is to ensure a healthy and fair credit and consumer protection market in South Africa through influencing policy and legislation as well as empowering consumers with information about their rights, obligations, and options when they are experiencing financial difficulties. She is a respected speaker and commentator on credit and general consumer protection issues and has addressed conferences locally and internationally, including in Kenya, Zimbabwe, Zambia, Germany, the UK and USA.
She currently holds the following non-Executive positions:
• Board Member of the National Financial Ombudsman Scheme which was recently established and is an amalgamation of the Short and Long Terms Insurance Ombudsman, Ombudsman for Banking Services and Credit Ombudsman
• Member of the Financial Sector Conduct Authority Consumer Advisory Panel.
Previous Non-Executive Positions include:
• Board Member of the Short-Term Insurance Ombudsman.
• Member of the Financial Services Board Legislative Committee.
• Non-Executive Chair of the Consumer Goods and Services Ombudsman
• Non-Executive Director of the South African Fraud Prevention Service.
• Board Member of Micro Finance South Africa
• Board Member of the Credit Ombudsman.

Masters in Project Management from University of Technology Sydney, Ndiritu is the Manging Partner of Ecocapp Capital, and a Senior Policy Research Fellow at the Dedan Kimathi University of Technology. A senior public sector leader, he has 32 years of professional and leadership experience. He spent 14 years in the private sector in financial and capital market development, building and growing private sector, both in Kenya and on the African Continent. Elected MP in 2007, he was appointed State Minister for Industrialization. He served as a Senior Advisor on Audio-Visual & Cinema for Government of Kenya, The Pan African Federation of Filmmakers and the African Union, before being elected Governor of Laikipia County in 2017.

He has made major contributions to economic thought and growth, policy and leadership development. He has designed, resourced and managed implementation of financial sector development programs, economic stimulus initiatives, and provided technical assistance to both private companies and governments. He is a well-known political leader both at sub-national and national level.

He is skilled in project management, project preparation, appraisal and program design. He has demonstrable, proven results creating jobs, increasing incomes and improving peoples’ lives.

He has lived, studied and worked in Kenya, Canada, Australia and South Africa. In addition, he has undertaken short-term assignments in Ethiopia, Rwanda, DRC, Tanzania, Uganda, Ghana, Burkina Faso, Mali, Togo, Cote d’Ivoire, Sweden, Switzerland, France, Italy, USA, Singapore, China and India. He writes a regular column on economics in the Saturday Nation.

Lee Naik serves as the Chief Executive Officer of TransUnion Africa, where he stands as a prominent figure in the continent's digital and technology transformation landscape. With oversight of a diverse portfolio spanning 8 countries, Lee plays a pivotal role in collaborating with governments and businesses to drive digital and financial inclusion initiatives, catalysing Africa's economic growth trajectory.

Drawing from over two decades of experience, Lee's tenure as the former Managing Director of Accenture Digital underscores his commitment to assisting organisations in navigating the complexities of digital transformation amidst evolving landscapes.

Beyond his executive role, Lee garners global recognition as a distinguished technology commentator and speaker. His insights have earned him accolades, including acknowledgment as an official influencer in the esteemed LinkedIn Top Voice awards. Moreover, Lee champions diversity, equity, and inclusion initiatives, earning accolades such as being voted among the top Inclusive leaders on the continent by the Gender Mainstreaming Awards.

Lee's academic credentials include a Bachelor of Computer Science, complemented by a PgDip in Futures Studies, earned with distinction (cum laude). Lee is also a Fellow of the Gordan Institute of Business Science (GIBS) it’s in Centre for Africa Management and Markets. His academic pursuits reflect his dedication to staying at the forefront of emerging trends and innovative practices within the digital realm.

Hannah is an Advocate of the High Court of Kenya with over 15 years’ experience in Commercial and Banking Law, Corporate Governance, Alternative Dispute Resolution, Sustainable Finance and Credit Information Sharing among other areas of legal practice. Hannah has interacted with the CIS mechanism since its inception having been nominated as the CIS champion by Stanbic Bank to represent it in the project team that led to establishment of CRBs in Kenya. She later joined CIS Kenya as its Head of Legal Services in year 2012 and has been instrumental in drafting and amendment of CRB Regulations all through.
She has solid experience on legal requirements, responsibilities and consequences of CRB data submission. Having served as the Registrar of Tatua Center, an ADR Center that has been running under CIS Kenya handling all CRB related disputes, Hannah has fast hand experience on how mistakes made by credit providers in submitting CRB data can be costly when courts are involved and is always glad to share such experiences to help credit providers avoid such pitfalls.

A career banker, Sam is the Group Managing Director and Founder of Metropol Corporation Limited whose subsidiaries include Metropol Credit Reference Bureau (Kenya and Uganda), Metropol Credit Management Services, Metropol Credit Rating Agency and Metropol TV.

He has more than 20 years of experience in the Credit Rating and Business Reporting industry and over 10 years experience as a practicing banker at one of Kenya’s leading domestic commercial banks.

Sam holds a Master of Science (MSc) degree in Finance from the University of Nairobi as well as Bachelor of Science (BSc) degree in Math and Statistics from the same University in addition to a CPA (2) Accounting certificate.

He has been involved in many interventions in the financial services and capital markets; credit training; development of credit curricular; and credit reporting in a wide range of sectors.

He is an Associate of the Chartered Institute of Bankers (ACIB) - UK and a Fellow of the Kenya Institute of Bankers (KIB). He serves as the current Chairman, Banking and Finance Committee at KNCCI.

Luz Maria Salamina is a Lead Financial Sector Specialist for Credit Infrastructure at the World Bank Group, working on Credit Information; Secured Transactions and Collateral Registries; and Insolvency and Debt resolution.

She joined the WBG in April 2014 to work in Sub Saharan Africa promoting reforms on Credit information and support the financial industry resolve challenges and gaps in data related issues. She was the General Manager of the Credit Bureau “APC Buro, S.A.” and Vice President at HSBC and Chase Manhattan Bank in Retail Banking in Panama.

Luz Maria represented ALACRED (the Credit Reporting Association of Latin America) at the International Consumer Credit (ICCR) task force led by the World Bank from 2009 to 2013.

Manie van Schalkwyk is the CEO of the Southern African Fraud Prevention Services since February 2016, with a track record of serving the credit industry for over 30 years. Having served as the South African Credit Ombudsman for 11 years he has extensive knowledge of the industry, relevant legislation, and the unique role and challenges of credit organizations. He has established a reputation as a thought leader in the field of credit information both locally and internationally, with a network of relationships across industries and countries.

Marina is the proud female CEO of the CPB Group of Companies.
Marina has been actively involved in the Credit Industry for over 20 years where she has represented various industries from Credit Bureaus, Debt Collectors, Credit Providers, Education providers and Accountable Institutions.
She currently serves as the Chairperson of the Credit Bureau Association of South Africa
Marina believes to be involved with the various industries that constitutes the Credit Biosphere – some of these are:
• Association Debt Recovery Association (ADRA) - EXCO Board member
• Micro Finance South Africa (MFSA)
• Debt Counselling Association of South Africa (DCASA)
• Direct Marketing Association of South Africa (DMASA) – EXCO board member
• South African Revenue Protection Association (SARPA)
• Association of Certified Fraud Examiners (ACFE)
As part of her passion to educate and connect various industry players, she frequently speaks at events where she shares her passion and knowledge to the greater good of all in South Africa as well as growing this into Africa.

Caroline is a highly skilled and versatile IT professional with a strategic mindset, boasting a diverse background that began in development and expanded across various IT disciplines. Currently, she thrives as an adept IT Project Manager and Product Owner, specializing in the Credit environment.
What sets Caroline apart is her hands-on approach to project management, backed by extensive expertise in IT development and business projects. Her true passion lies in successfully implementing and rolling out solutions that bring tangible value to the table.
Over the course of her career, Caroline has amassed profound domain knowledge within the financial industry. She has actively contributed to bespoke development projects, catering to automated risk and affordability scoring, manual credit assessment, and collections and debt review solutions.
During her tenure with SACRRA, Caroline demonstrated her versatility by taking on multiple roles, ranging from a data analyst to a project manager and product owner. Through these roles she has developed an in-depth understanding of the intricacies surrounding payment profile data submitted to credit bureaus.
In her current role as Head of IT Projects and IT Infrastructure, Caroline bears the responsibility of overseeing the continuous development and management of five bespoke software applications, two off-the-shelf applications, and the office infrastructure.

Dr. Tiriongo is the Director of Research and Policy at the Kenya Bankers Association, responsible for designing and executing the research agenda, and overseeing the sustainable finance initiative for the banking industry. He is an economist by profession, with over 17 years of experience, 13 of which as an economist at the Central Bank of Kenya. Dr. Tiriongo is the secretary of the Credit subcommittee of KBA. He holds a PhD in Economics and is a practicing researcher, with proven record in conducting research on financial markets and macroeconomic policy. He has published widely in peer-reviewed research outlets on financial market microstructure, economic responses to crises, monetary policy, and credit market analyses, among other areas.

Esther Waititu is the Chief Financial Services Officer at Safaricom PLC, a purpose-led technology company providing a wide range of services and solutions, including mobile voice, messaging, data, financial and converged services, and digital services that enable commercial and personal platforms as well as ecosystem partnerships. It is also the pioneer of M-PESA, the world’s most developed mobile money payment system.

As a seasoned business leader, Esther is passionate about the transformation of financial services for the community and has built a strong track record of transforming individuals and businesses on their respective growth journeys.

She joined Safaricom PLC in May 2023, having previously served as the Director, Corporate Banking at KCB Group where was responsible for the delivery of financial solutions to corporate clients in Kenya. Over the last 20 years she has gained a wealth of experience in the financial services industry where she held senior leadership positions in Standard Bank Group, Standard Chartered Bank and NCBA having worked and lived in Kenya, Zambia and South Africa.

Esther continues to lead economic empowerment activities for the community in her current role as the Chief Financial Services Officer at Safaricom PLC by providing strategic leadership and oversight for financial solutions via M-PESA. She leads the Financial Services team in the development of financial products, services and solutions for consumers, enterprises and corporates through M-PESA.

She holds a Bachelor of Business Administration degree from the University of East Africa, Baraton and a Master of Business Administration from University of Liverpool, UK. She is also an AoEC Accredited Executive Coach.

Dries Zietsman is the Chief Revenue Officer at TransUnion Africa and leads the enablement of the sales operating model across Africa, go-to-market strategies, creation of economic value and strengthening of our client relationships.

Shortly after joining TransUnion Africa in 2018, Zietsman was promoted to Sales Vice President and subsequently led the Strategic Sales portfolio across Financial Services, Diversified Markets, Insurance, and Channel Distribution. These verticals include industries like banking, retail, telco, fintech, public sector, gaming and others.

He has extensive strategic leadership experience in large, international organisations, including Alexander Forbes, British Airways, Virgin Management and MasterCard International. Zietsman specialises in P&L management, strategy, financial deal structuring, business case formulation, organisational IT transformation, customer loyalty programs, risk management and product and process innovation.

Zietsman holds an MBA in Business Management Finance from Bond University and has been involved in a number of high-profile digital-first projects designed to enable commerce across Africa.

Ms Lynette de Beer stepped into the position of Acting CEO this year following her successful tenure as Chief Financial Officer (CFO) at the National Credit Regulator (NCR). Ms de Beer brings a wealth of leadership experience from both the private and public sectors. A Chartered Accountant by profession, she has many years of demonstrated and solid understanding of financial management practices, controls, and reporting requirements. For the better part of ten years prior joining the NCR, she has had the opportunity to work on public sector projects for the South African Institute of Chartered Accountants (SAICA) serving in the Higher Education sector. These projects aimed to improve skills and provide support in building capacity throughout the Higher Education sector. During her time at the NCR, she has been instrumental in providing strategic support and direction on matters of finance, supply chain management, and information and communication technology. She consistently focuses on modernizing business processes to enhance efficiency. Under her stewardship, the NCR has consistently achieved clean audit outcomes. With her proven skills and drive for improvement, Ms de Beer is well positioned to lead the NCR towards greater success and innovation.