Sduduzo Nyoka

Driven, highly analytical Finance Honors graduate and CIMA Advanced Diploma holder with progressive corporate experience across commercial vehicle loan origination, large-scale financial due diligence, and enterprise corporate accounting. Specialized in corporate credit risk analysis, structured financial reporting, transaction advisory frameworks, and automated data architectures. Expert at leveraging Microsoft Excel (Advanced), Power BI, and QuickBooks to design robust financial models and risk management dashboards.

Committed to institutional banking and corporate finance excellence, currently advancing as an aspiring CFA and through the FMVA tracks to drive sophisticated investment banking and strategic capital allocation strategies.

Commercial Lending Graduate at IVECO Group (2026-05 – Present)

Rotate strategically across corporate underwriting, credit risk analysis, and structured finance desks to support high-value commercial vehicle loan origination and risk evaluation.

• Analyze large-scale corporate financial statements, detailed credit profiles, macro-economic industry indicators, and cash flow stability utilizing IFRS 9 concepts to evaluate expected credit losses (ECL) and accurately assess borrower creditworthiness.
• Exercise delegated authority to evaluate and recommend approval of credit limits of up to R10 Million for corporate clients, balancing portfolio growth with strategic credit risk parameters.
• Manage the collections of outstanding payments from specialized Maintenance and Repair accounts, successfully reducing aging receivables and optimizing working capital velocity.
• Collaborate directly with Senior Relationship Managers to oversee dealership credit lines, wholesale loan portfolios, and complex corporate fleet financing requests, optimizing capital allocation and client risk structuring.
• Build and leverage dynamic data models to extract risk metrics and track portfolio concentration, ensuring strict alignment with internal underwriting guidelines, commercial lending policies, compliance mandates, and auditing frameworks.

Accounts Payable Administrator at MTN South Africa (2026-01 – 2026-05)

Processed high-volume strategic supplier invoices and tracked key corporate transaction metrics within the core enterprise accounts payable framework, minimizing settlement risk.

• Reconciled complex, multi-tiered corporate supplier statements on a monthly basis, resolving deep-seated operational discrepancies to protect critical vendor relationships and capital retention.
• Prepared and executed strategic payment batches, audited corporate disbursements, and maintained comprehensive digital and physical audit trails for management review.
• Partnered directly with the finance leadership team during month-end close operations, performing accruals tracking, cash burn reporting, and granular ledger reconciliations.

Winter Intern at Mcap Financial Advisory (2025-07 – 2025-07)

• Assisted senior transaction project teams with rigorous financial due diligence regarding the strategic public acquisition of the Rea Vaya bus transport asset valued at R1.16 billion.
• Gained active front-office exposure to structural corporate financial advisory frameworks, public-private transaction practices, and capital asset valuation methodologies.
• Reviewed technical corporate financial statements and extracted underlying historical performance records to construct structured data tables, facilitating inputs for investment valuation models.

Accounting Assistant at Mcese Consulting (2023 – 2023)

• Captured complex corporate accounting ledgers, structural transactional entries, and daily general ledger balances accurately using QuickBooks.
• Converted unstructured legacy corporate bank statements into automated, formatted Microsoft Excel models to execute granular cash account and working capital reconciliations.
• Audited vendor incoming files and corporate client outward invoices to guarantee strict compliance with local corporate tax frameworks, VAT standards, and institutional financial controls.

BCom Honours in Financial Management – University of Johannesburg (2025)

Advanced Diploma in Management Accounting in Management Accounting – Chartered Institute of Management Accountants (CIMA) (2025)

BCom in Finance – University of Johannesburg (2022 – 2024)

Certificate in Ethical Artificial Intelligence – Chartered Institute for Securities & Investment (CISI) (2024)

National Senior Certificate – John Ross College (2021)