Margarethe Povey

Presales Engineer for Analytical Software

Analysis and management of credit risk with specific focus on mortgages

I am a Senior consultant and am placed at Deutsche Bank as Technical Consultant.

Managing the analysts in the Acquisitions Credit Risk team Acquisitions Strategy, Product Pricing, Risk Appetite setting Managing a variety of stakeholders Regular presentations to executive committee and policy committee Provided analytical rationale to identify, develop and implement activities within allocated account base Coached, developed and motivated team members, providing coaching and mentoring to junior data scientists on SAS and data mining techniques

Managing a team of Analysts in the Impairments and Pricing team Capital and Provisioning Product Pricing Product Analytics Working with LGD, PD and EAD models for IFRS 9 Collaboration with other business units Stakeholder management Designed and prepared technical reports, studies and related documentation Organized information by studying, analyzing, interpreting and classifying data

Capital and Provisioning IFRS 9 implementation and it's financial impacts on business Working with LGD, PD and EAD models for IFRS 9 Product and Pricing analytics Collaboration with other business units Programming in SAS Statistical Modelling IFRS 9 regulations Extensive use of Excel and forecasting budgets for Finance Coached, developed and motivated team members, providing coaching and mentoring to junior data scientists on SAS and data mining techniques

Up skill in several different software solutions, specifically with a focus on R and SQL Analytical insights of Life Insurance Data as well as other MMI data Feedback to stakeholders Applied statistical and algebraic techniques to interpret key points from gathered data Collaborated with internal stakeholders, identifying and gathering analytical requirements for customer, product and projects needs

Managing a team of Analysts in the campaign/marketing Analytics team Managing Stakeholder relationships Analysis of banking data across all products Setting of up campaigns/tests to improve strategies regarding banking product sales and customer retention Frequent interaction with third parties and suppliers Collaboration with most business units within the bank including Personal Loans, Overdrafts, Home Loans, Transactional products and Credit Card Marketing analytics Campaign analytics

Analysis of banking data and customer data Analysis of Sales/Acquisitions data to optimize sales strategies Analyst on Credit Limit Increases to optimize strategies and maximize balance growth Close collaboration with Credit Risk Setting of up campaigns/tests to improve sales strategies Frequent interaction with third parties and suppliers Collaboration with other business units within the bank Monthly feedback to stakeholders Marketing analytics Campaign analytics Presentation Skills

Lecturing Statistics to first year and Honours students

Majoring in a dissertation on Statistical Process Control (passed degree with distinction, invited to Golden Key Society) Data Mining(programming in SAS/IML) Regression Analysis (working with SPSS) Time Series Analysis

Majoring in Statistical Forecasting Techniques, Time Series Analysis, Multivariate Techniques, Statistical Process Control and Sampling Techniques, Regression Analysis, Econometrics, SAS programming

Law Degree with electives: Problems with HIV/AIDS, Sports Law and Transnational Business Law

Majored in Business Management and Statistics including all relevant law modules required for the degree