Adriaan Gouws

Adriaan Gouws is a seasoned professional in credit risk management and quantitative analysis, currently serving as a Credit Risk Manager at KOHO since November 2023. Gouws has previously held key roles at Neo Financial, where significant achievements included establishing credit risk model standards and developing various models that improved application approval rates and reduced default risks. Prior experience at Investec involved contributing to the migration to an Advanced Internal Ratings Based (IRB) approach and developing a Probability of Default model. Gouws also served as a Senior Principal Consultant at IQbusiness South Africa, ensuring the continued application of a PD model and designing a comprehensive data model for Absa bank. Gouws holds BCom Honours in Statistics and a BCom in Economics from Stellenbosch University, complemented by a solid academic foundation from Paarl Gymnasium High School.