csh credit - compuscan · guaranteed to get your pulse racing! game drive: sun city safari game...

9 - 11 SEPTEMBER 2015

CSH CREDIT

For more info: [email protected] 021 888 6000

WHO SHOULD ATTEND

• Credit Data Managers

• Credit Risk Managers

• Credit Collections Managers

• Senior Data Analysts

• Credit Marketing Managers

• Regulation / Compliance Managers

• Fraud / Operation Managers

• IT Managers

• Information Security Officers

• Decision makers across the board

CONFERENCE OBJECTIVES

• Gain invaluable advice

• Learn from the experts

• Engage with our Q&A sessions led by Derek Watts

• Analyse and explore relevant case studies

• Great networking opportunities

#NAVIGATING INDUSTRY TRENDS

• Collection Trends

• Credit Data

• Customer Education

• Customer Management

• Acquisitions

• Regulations and Compliance

• Credit Marketing

Keynote SpeakerNick Mallet

Keynote SpeakerVusi Thembekwayo

WelcomeNavigate /’navigeit/

According to the Oxford Dictionary, to navigate means to plan and direct the course of a ship, aircraft or other form of transport, especially by using instruments or maps.

We find ourselves motioned by the winds of change as 2015 has proven a year in which we’ve seen a number of significant events dictate the future of the South African credit and data industry. As a group, we are constantly re-evaluating

our maps and tools to ensure the survival and success of our businesses – and so should you.

Not only do we strive towards Pioneering Growth into new markets; we have recognised the need for individuals to join forces and impart knowledge that will benefit the industry as a whole. The CSH Group is setting sail with a star-studded crew as we

invite you to get on board with us. We believe in creating this unique platform for the benefit and advancement of our industry and ultimately the continued growth of our economy.

By using the credit lifecycle as our map, we look at various topics and themes that affect us across the board. We will be navigating beyond our shore and discovering international waters. Journey with us through Africa and beyond.

This conference offers a superb experience as we host you at the magnificent Sun City Resort. With September being Rugby World Cup kick-off month, the legend coach Nick Mallet will grace our stage to share his thoughts on this major sports event. We

welcome Vusi Thembekwayo who will share his unique sense of humour and empower you with new knowledge that you can disseminate throughout your organisation.

Don’t miss out on this exclusive opportunity as we bring you the most anticipated event of 2015.

Master NavigatorDerek Watts

PRICING

WHAT TO EXPECT

At the CSH Credit Conference 2015, we’ll #navigate a number of topics to ensure that you leave Sun City

inspired and rejuvenated by the wealth of knowledge and undiscovered possibilities that exist within our

industry.

Bringing you experts and market leaders in credit referencing, marketing, scoring and modelling, data

analytics, consultancy and training services, we’re offering a line-up that will entice and entertain a variety

of interests.

The conference will adopt a panel discussion format where speakers will be introduced by our MC, Derek

Watts, after which they will also make themselves available for a question and answer session. Delegates will

be given the opportunity to raise concerns, ask questions and engage with our presenters on a personal level.

Please note that all topics and speakers are subject to change.

#Navigate: YachtR 12 500.00 ex VAT

Expect to be treated like royalty at The Palace:Full access to the conferenceNetworking opportunities2 Nights luxury stay 2 Days breakfast, lunch and dinnerExclusive access to The Palace and its amenities (gym, club house, spa and more)Gift VoucherSpecial Entertainment

#Navigate: SailboatR 11 500.00 ex VAT

Enjoy sheer luxury at The Cascades:Full access to conferenceNetworking opportunities2 nights stay2 Days breakfast, lunch and dinnerGift VoucherSpecial Entertainment

#Navigate: SpeedboatR 9 500.00 ex VAT

Enjoy a wonderful stay at the fantastic Cabanas:Full access to conferenceNetworking opportunities2 nights stay2 Days breakfast, lunch and dinnerGift VoucherSpecial Entertainment

NEW

PRICE

ALERT!!!

*Take note: All packages include conference fees, activities, food and drinks.The difference in pricing is subject only to differences in accommodation costs.

AGENDA: 2015 CREDIT CONFERENCE

Upon arrival at Sun City, you will receive a free pass to let your hair down and enjoy one of three exciting activities.

Sun City has numerous activities on offer and we encourage you to make the most of your stay. Whether you are an adrenaline junkie, nature lover or someone who prefers the relaxing ambience of a spa, we’ve got an activity lined up for you.

The earlier you arrive at Sun City, the better. We look forward to welcoming you before noon.

11:00 - 18:00 Available activities

19:30 - 22:00 Welcoming DinnerOnce you have freshened up, we welcome you to the conference with a grand welcoming dinner at The Palace. Come and enjoy good company and plenty networking opportunities on the pool deck under the african stars. The beautiful olympic sized swimming pool and ambience will have you feeling relaxed and ready to start the #navigate journey with us.

DAY 1Wednesday

9 September 2015

ARRIVAL

ACTIVITIES

Clay pigeon shooting: With the help of instructors, learn to shoot clay pigeons with a 12-gauge shotgun – guaranteed to get your pulse racing!

Game Drive: Sun City safari game drives operate daily and offer you the chance to see all of South Africa’s finest, most majestic wildlife up close.

TheraNAKA™ Massage: Relieve some stress and muscle tension with an exclusive massage. Choose between an anti-oxidant oil blend containing pure Grape-seed oil and natural botanicals or Shea massage butter.

18 holes at the Gary Player golf course (incl. lunch)The elegant Gary Player Country Club provides a social hub for players and spectators alike with its restaurant overlooking the rolling greens and beautiful surroundings.

DAY 2Thursday

10 September 2015

08:30 - 17:45


INTRODUCTION

SIZWE NXEDLANACHIEF ECONOMIST, FNB

MELANIE VAN ROOYCMO, MAKRO

JOSÉ RODRIGUESCOMMERICIAL EXECUTIVE,WOOLWORTHS FINANCIALSERVICES

08:40 - 09:30 Macroeconomic trends affecting credit growth in Sub-Saharan Africa and South AfricaThe presentation will address an emerging theme pertaining to credit growth over the next 2 to 5 years in Sub-Saharan Africa and South Africa. More specifically the theme will show how the link between low commodity prices, rising government budget deficits, the funding of these deficits and financial market liquidity affects credit growth.

In order to ensure the short and long term success of a business, it is vital to understand and interpret macroeconomic trends. These should form the cornerstone of any decision-making processes, which is why we provide insight and knowledge that can be disseminated throughout your organisation. We look at the various factors that influence the credit life cycle and its economic environment.

INTRODUCTION Most aspects of business depend heavily on successful marketing. In this panel discussion, the presenters will address various topics relating to customer marketing within the credit life cycle. We provide insight into new ways of marketing more effectively, getting a better return on investment, measuring it and making informed marketing decisions.

INTRODUCTION This panel discussion will look at the customer acquisition phase within the credit lifecycle to discover that, without new business, an organisation cannot grow. Your ability to develop new business without increasing your risk exposure is reliant on the effectiveness and capabilities of your credit application process. We delve deeper into the optimisation of application processing in order to cultivate long-term, profitable and responsible consumer and commercial relationships.

09:30 - 11:00 Retail customer segmentation and customer relationship management: A case studyRetail segmentation demands a complex statistical analysis of point of sale (POS) data in order for a business to better understand their customers. This type of analysis often reveals fascinating insights, which is the key driver of profitability within CRM strategies. We learn more about the value of retail segmentation as Makro’s CMO shares their recent findings on the value of utilising external data for marketing.

Increasing sales through hyper-personalised customer experienceThis presentation provides a case study of how a retailer combined advanced analytics across demographic, lifestyle, spend preference and shopping-basket data to predict the type of product their customers are more likely to buy next, and how these insights drove a personalised offer for specific product groups, and executed through multiple digital channels to create a hyper-personalised customer experience.

Brand affiliation and product needsWith POPIA on the horizon and the demise of many traditional direct marketing channels, the cost of acquisition is said to sky rocket, forcing us to explore new marketing avenues. We present an exciting new tactic in customer engagement as we discover the value in modelling a customer’s brand affiliation and product needs before you even start engaging with them.

ANTON GRUTZMACHERPARTNER, PROFITSCIENCE

DANIELLE TIMMINSNATIONAL HEAD OF DATA & ANALYTICS

MARK DAVISONCHIEF DATA OFFICER,CALLCREDIT

Digital marketing in South AfricaOrganisations across South Africa are declaring intentions to “go digital” as they aim to follow in the footsteps of their highly successful counterparts in Europe and the USA. However, the digital marketplace in South Africa is vastly different to its international competitors. We address these differences in context to plot the considerations of implementing successful digital strategies within the South African market.

11:15 - 11:45 Affordability in the UK: A case studyTake a closer look at how current account and income data is used to prevent over-indebtedness in the UK. This case study provides insights in to how you can apply these strategies within the South African context.

ALLPANEL QUESTION AND ANSWER SESSION



11:00 - 11:15 TEA

TOPIC SPEAKER

TOPIC SPEAKER

TOPIC SPEAKER

08:30 - 08:40 Welcoming by Derek Watts and conference hosts

INTRODUCTION We know that it costs more to acquire new customers than to manage existing ones. This panel discussion will address customer management phase within the credit lifecycle to empower you with tools that can be used to better manage your customers.

INTRODUCTION We bring you insights into the customer collections phase of the credit life cycle as we look at cash flow and the importance of collecting on delinquent debt efficiently and effectively.

PIETER VAN HEERDENMD, SCORESHARP

11:45 - 13:15 Cash flow, profitability modelling and provisioningHow does one manage cash flow and watch the provision line to ensure that your business is subject to minimal risk? We navigate the complex world of cash flow modelling, profitability and its effect on provisioning. We look at the consequences of inconsistencies between provisions and loans that actually get repaid to consider the importance of accurate provisioning.

ROWAN GORDONEXECUTIVE DIRECTOR,NIMBLE GROUP

15:00 - 16:30 Latest trends in debt collectionsDiscover the latest trending issues, developments, and thinking within debt collections. Evidently, debt levels are constantly on the rise, highlighting the need for improved collection practices and strategies that you can take home to implement in your business operations.


Rejected debit order managementHave you considered improving your debit order collections processes? Businesses that deal with rejected debt orders are not geared to resolve these daily occurrences internally. The solution is actually very simple and relevant in today’s world: We discover the alternatives to daily NAEDOs.

BAYAN DEKKERMANAGING PARTNER, PROFIT SCIENCE

Automated digital debt collectionsCustomers today are far more sophisticated and we anticipate a major migration to advanced mobile handsets in the next few years. We cover digital customer engagement, relevant to the debt collections phase. Don’t miss this topical conversation on the factors and influences that will change the face of debt collections in the near future.

MBWANA ALLIYMANAGING PARTNER, SAVANNAH FUND

The changes in mobile money and digital payments offer new collections channels and indicate changing consumer payment preferencesHow mobile money in East Africa is redefining the financial services opportunity- from exposing the unbanked, merchant payments channels to new lending, and saving schemes. Is this just the beginning? What disruptions can we expect in future from cryptocurrencies and blockchain technologies that mobile money and traditional financial services cannot provide in the Africa context

CHRIS-JAN VENTERASSOCIATE DIRECTOR, CAPITAL MARKETS, DELOITTE & TOUCHE

Provisioning for bad / doubtful debt Despite the implementation of IFRS9 and major industry changes happening on this front only scheduled for 2018, the matter of bad / doubtful debt should take top priority. Companies should start preparing now, for they could well be in trouble as this new standard is very data dependant. We aim to provide more clarity on bad / doubtful debt by bringing you world-class expertise and insights.

BAYAN DEKKERMANAGING PARTNER,PROFIT SCIENCE

AMANDA CROMHOUTFOUNDER & CEO, TRUTH

Contact optimisation and customer tracingLong gone are the days where a single number was linked to a customer and call centre agents successfully made contact upon the first attempt. Contactability finds itself listed at the top of industry challenges and businesses are seeking alternative ways to maximise their collections and customer management efforts. Tracking down and retaining contact with your current and future clients will improve call centre operations and boost employee morale. We look into the latest industry solutions and share our lessons learnt when it comes to successfully tracking down elusive customers.

The role of loyalty in customer centricityIf the product of a business is a satisfied customer then a customer-centric approach is critical in enabling businesses to differentiate themselves from competitors through customer experience. Loyalty programs are of growing importance and a key enabler of customer centricity.



13:15 - 14:15 LUNCH

14:15 - 15:00 VUSI THEMBEKWAYOKeynote address: Business motivation by global business speaker and private equity CEO

TOPIC SPEAKER

TOPIC SPEAKER

16:30 - 16:45 TEA

DAY 3Friday

11 September 2015

08:30 - 13:00


RONEL LEWIESDIRECTOR, LEWIES ATTORNEYS

08:40 - 10:30

10:45 - 11:50

The relevance of the National Credit Act in today's economy Is the National Credit Act still relevant in today’s market? We ask this important question to address concerns regarding the current legislation’s ability to cater for shortcomings of the South African credit market. We also consider the effect of rapid advancement of local business practices on the relevancy of the Act.

MARK HEYINKPARTNER, INFORMATIONGOVERNANCE

LAWRENCE TWIGGHEAD: OPT-IN, P CUBED

Insight into the Protection of Personal Information Act and its RegulationsThis presentation provides insight into what to expect of the Regulations for the Protection of Personal Information Act, as we will provide more certainty and clarity.

Options – your choice to a world of valueP:Cubed have created a POPI compliant data base of consumers who opt to enjoy a world of value through partnerships with Rewards and Benefits specialists. At the same time Options is a collaboration between P:Cubed, partners and clients to satisfy supply and demand across a host of products in multiple industries.

HENNIE FERREIRACEO, MICRO FINANCESOUTH AFRICA

Taking a closer look at politics and the NCAInterested in the story behind the story? We shed light on the contentious matter of politics and the National Credit Act. You’ll hear it straight from a sector lobyist as we answer the burning question: Why did the Minister not review the rates and fees within a three year cycle, as required by the Act?

MAGAUTA MPHAHLELECEO, NDMA

MADELEINE PELZERMANAGER: SKILLS DEVELOPMENT, BANKSETA

Consumer credit education: The panacea for a healthy credit market? Is consumer education the key to a healthy credit market? We look at reasons for and against this sentiment. If consumer education is the key to a healthy credit market, what are the best practices and how will we recognise the tangible results of industry efforts? Perhaps most important, though, is the question: If consumer education is not the key to a healthy credit market, what are the alternatives?

12:00 - 12:45 NICK MALLETKeynote Address: Rugby World Cup 2015 by former SA Rugby coach and sports speaker

12:45 - 13:00 Closing by Derek Watts and CSH hosts

Credit education for consumers: Industry initiativesBANKSETA provides an overview of the Consumer Credit Education Initiative spearheaded by various credit industry stakeholders and aimed at providing industry with relevant, effective and standardised consumer credit education materials.



MARIUS JONKERCEO, ADRA

The future of Emolument Attachment OrdersThe presentation will address iminent changes to the contested matter of Emoluments Attachment Orders. We look at the ways in which the Emoluments Attachment order system can be improved to consider the implications for credit providers and external debt collection agencies.

10:30 - 10:45 TEA

FROM 13:00 CLOSING LUNCH

INTRODUCTION This Panel discussion, will address the regulatory and compliance environment that sets the perimeters of the credit life cycle. We understand the value in adhering to legal, regulatory and other guidelines to keep one’s reputation in tact, ensure business continuity and avoid costly penalties.

INTRODUCTION Is consumer education really relevant to you and your bottom-line? We take some time to discuss the advantages and disadvantages of consumer education, best practices and we evaluate at how industry players are taking consumer education a step forward.

THE END

TOPIC SPEAKER

TOPIC SPEAKER

08:30 - 08:40 Welcoming by Derek Watts and conference hosts

REMO LENISACOMPUSCAN

FRANK LENISACOMPUSCAN

CRAIG CAPPERP:CUBED

RAOUL MILLERP:CUBED

PIETER VAN HEERDEN

SCORESHARP

PAUL ANDREWSSCORESHARP

The CSH Group is a holdings entity that was established in 2014 after pan-emerging markets investor, Actis, obtained a

majority stake in the Compuscan group of companies (Compuscan, Compuscan Academy, ScoreSharp). Soon thereafter,

the CSH Group embarked on its first acquisition as it welcomed South African marketing service provider, P:Cubed, to the

entity in 2015. With its main focus to expand business into new markets through acquisition and organic growth, the

CSH Group will utilise funds to invest in and provide management services to its member companies. The group provides

services covering a broad spectrum that includes credit bureau services, credit scoring and data analytics services, credit

marketing services, loyalty programs, and credit skills training services.

ABOUT CSH

YOUR CONFERENCE HOSTS

FRESH BREAKFASTSIZWE NXEDLANA FRESH BREAKFASTMELANIE VAN ROOY FRESH BREAKFASTANTON GRUTZMACHER FRESH BREAKFASTDANIELLE TIMMINS FRESH BREAKFASTMARK DAVISON

FRESH BREAKFASTPIETER VAN HEERDEN FRESH BREAKFASTCHRIS-JAN VENTER FRESH BREAKFASTAMANDA CROMHOUT FRESH BREAKFASTBAYAN DEKKER FRESH BREAKFASTTONY LYTHGOE

FRESH BREAKFASTROWAN GORDONFRESH BREAKFAST

1$

HENNIE FERREIRA FRESH BREAKFASTMAGAUTA MPHAHLELE FRESH BREAKFASTMADELEINE PELZER

FRESH BREAKFASTJOSE RODRIGUES

FRESH BREAKFASTBAILEY KLINGER

FRESH BREAKFASTMBWANA ALLIY

FRESH BREAKFASTRONEL LEWIES

MORE SPEAKERS COMING SOON!

FRESH BREAKFASTLAWRENCE TWIGG FRESH BREAKFASTMARK HEYINK FRESH BREAKFASTMARIUS JONKER

OUR SPEAKERS

INTRODUCTION Credit data is our game. As experts in credit referencing and data analytics for more than two decades, we bring you a not-to-be-missed line-up of topics that includes global trends, the latest in data-developments and some remarkable insights into the South African market.

TONY LYTHGOEHEAD & PRINCIPAL, IFC

16:45 - 17:45 Global trends and the future of credit reportingThis panel discussion will address the issue of financial inclusion and access to credit. We look closely at global trends in credit reporting and its future potential.


The converging world of on-line and off-line dataHave you discovered the remarkable world where below-the-line data intersects with above-the-line consumer information? We discover the opportunities which arise from using converged off-line and on-line data.

BAILEY KLINGEREXECUTIVE CHAIRMAN & CHIEF SCIENCE OFFICER, EFL GLOBAL

Psychometrics and the broader world of alternative data for credit scoringAcross the emerging world, innovative financial institutions are realizing the potential of alternative data to transform lending. Data from online social networks, mobile phone records, and psychometrics are helping to illuminate the potential of borrowers where traditional credit information is scarce, enabling new lending and greater control over risk.


FROM 19:00 GALA DINNER

TOPIC SPEAKER

csh credit - compuscan · guaranteed to get your pulse racing! game drive: sun city safari game...

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