Johan Ras

To whom it may concern,

My name is Johan Ras and I am no stranger to the Financial Services Industry in South Africa. I hold a Bachelor’s degree in Banking from the University of Pretoria and have over 30 years’ experience in both the Banking and Retail Business in South Africa.

After a successful career in the Corporate World, I have started Spinnaker Consulting (Pty) Ltd, towards the end of 2016. Being very passionate about the Outsourced Debt Collection Industry and its possibilities, I now provide consulting services to assist Credit Providing Organisations and External Debt Collecting Agencies to manage their debt collecting activities on a more adequate and effective basis.

Prior to this venture, I have spent over 12 years specialising in Risk Assessment and Outsourced Debt Collection and Recoveries. During this time, I have headed up the Outsourced Debt Collections and Recoveries Departments of three large Corporate Retail Companies in South Africa in the following capacities:

• Senior Manager Recoveries at TFG
• Manager Late-Stage Collections at RCS
• Recoveries Manager at WFS

In these roles, I was responsible to provide the operational and strategic direction to maximise the recovery return on all delinquent accounts handed over for Collections and Recoveries to External Debt Collection Agencies.

This included the complete end to end management of the following portfolios:

• Pre-Charge Off Collections
• Post Write-Off Recoveries
• Legal Collections and Recoveries
• Debt Review
• Administration, Deceased and Insolvency
•  Foreign Collections
• Debt Sale

Please refer to my CV for more detail on the required responsibilities and deliverables I had to manage in these roles.

Before the above positions in the Retail Financial Services Industry in South Africa, I was a consultant at Pic Solutions who back in 2006 was one of the largest customer management solutions companies based in the Southern Hemisphere. In this role I provided consulting services on international best practices for the entire credit life cycle of financial products both locally and internationally.

As you will see on my CV, I have also spent 11 years in the Banking Industry mainly at Absa Bank and held various positions in the Commercial Banking Sector including Absa Head Office Group Internal Audit where I was involved in the Risk Assessment of International Banking Centres within the Group.

Based on my experience and having been exposed to Best Practices worldwide in the Collections and Recoveries Industry, I would like to believe that I could offer value to your Company.