Carmen H.

Carmen H. is a seasoned professional with extensive experience in the banking sector, currently serving as the Product Line Head: Credit at Capitec since February 2023. Prior to this, Carmen held multiple leadership roles at FNB South Africa from 2014 to February 2023, including Chief Operating Officer of the Lending Product House, where oversight included managing ZAR107 billion in assets across various divisions. Carmen's earlier positions include Chief Executive Officer for FNB Connect and Government Banking, Chief Operating Officer for Commercial Property Finance, and Senior Business Analyst within FNB. An accomplished academic, Carmen holds an MBA from Stellenbosch University and a B.Comm in Economics from the University of Johannesburg. Notable achievements include significant growth in net profit before tax, successful project funding in health research, and recognition for excellence in customer service and innovation.