Francois Koch is a seasoned decision scientist specializing in credit risk, banking, and advanced analytics. Currently at Capitec, they lead the Decision Science team, focusing on the development of credit risk models in the business banking sector. Previously, Francois held roles at Deloitte, where they contributed to the validation of credit provisioning methodologies, and at MTN, where they were instrumental in establishing a data and analytics center of excellence. Francois holds a Bachelor's degree in Quantitative Risk Management and an Honours degree, alongside an Associate PRM Certificate from the Professional Risk Managers' International Association.
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