This resume summarizes Saieeshen Pather's experience and qualifications. He has over 15 years of experience in credit risk management, most recently working as an Internal Auditor for Barclays Bank focusing on wholesale credit risk. He holds a BCom Honours in Business Management from UNISA as well as several leadership and risk management certificates.

1. 2015
Resume’
Saieeshen
“To strive, to seek, to find and never to yield”, profoundly articulated
by A. L. Tennyson but more astonishingly, has been the reason for my
stride in always trying to seek innovative solutions in my never
yielding journey in the corporate world.

2. Aum Sai Ram.
SAIEESHEN PATHER, 2015 | 1
INTERNAL AUDITOR
Wholesale Credit Risk Specialist, Barclays Internal Auditing
(Office): |+27|11 350-3148 (Office) : sai.pather@absa.co.za 
(Mobile): |+27|74 553 4131 (Private): saieeshenP@gmail.com 
(Residential): 80 2nd
Street, (Twitter): saieeshenP@twitter.com 
Orange Grove, Johannesburg,
2000.
(Office): 19 Troye Street,
Barclays Towers West,
Johannesburg CBD.
Education & Training
TERTIARY
Institution : University Of South Africa (UNISA).
Qualification : B.Com (Honours).
Specialisation : Business Management.
Period : At present.
Institution : University Of South Africa (UNISA).
Qualification : Bachelor Of Commerce (B.Com).
Specialisation : Risk Management.
Period : 2006 to 2011.
SECONDARY
Institution : Nirvana Secondary School
Qualification : Gauteng Department Of Education (Matric Certificate with Exemption)
Major Subjects : 1. English (Higher Grade).
2. Afrikaans (Higher Grade).
3. Mathematics (Higher Grade).
4. Physical Science (Higher Grade).
5. Biology (Higher Grade).
6. Computer Science (Higher Grade)
Period : 1995 to 1999.
LEADERSHIP DEVELOPMENT
Certificate 1 : Basel II, III and Risk Management
Institution : Barclays Learning Certification, Morningside
Period : August 2015
Certificate 2 : Corporate Credit Risk Management Certificate
Institution : Nedbank Learning and Development
Period : March 2013
Certificate 3 : Toastmasters Certificate for Public Speaking
Institution : Nedbank Learning and Development
Period : November 2012
Certificate 4 : Business Lending and Evaluation Programme
Institution : Standard Bank Global Leadership Centre, Morningside
Period : August 2011 to October 2011
Certificate 5 : Occupational Health & Safety Representative Certificate
Institution : ACTION Training Academy
Period : April 2010
Saieeshen PatherB.COM (RISK MANAGEMENT)

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Certificate 6 : Industrial Relations Certificate (Practical & Fair Discipline in the Workplace).
Institution : Employment Solutions
Period : March 2009
Certificate 7 : Foundation Leadership Certificate
Institution : Standard Bank Global Leadership Centre, Morningside
Period : January 2009 to March 2009
Certificate 8 : IMPACT Leadership Development Certificate
Institution : Connemara Learning Associates
Period : October 2007
Certificate 9 : Negotiation and Leadership Certificate
Institution : Dr. Andrew Gordon (Learning Associate)
Period : October 2006
Certificate 10 : Credit Management
Institution : Standard Bank Learning Centre, Johannesburg
Period : July 2006
Certificate 11 : Banking Practice Modules:
Code Of Banking Practice (COBP)
Financial Intelligence Centre Act (FICA)
Occupational Health & Safety (OHS)
Anti-Money Laundering (Risks)
Institution : Standard Bank Learning Centre, Johannesburg
Period : March 2006, October 2012, November 2013.
Certificate 12 : Foundation Leadership Certificate and Internal Auditing Certificate.
Institution : Barclays Internal Auditing Foundation Leadership Academy, London (UK).
Period : January 2014.
INFORMATION TECHNOLOGY
SOFTWARE
Application Programmes
General : Pastel Accounting, QuickBooks, Corel, MS Works
Kip McGrath App 7
Bank Application Systems
Standard Bank : ABIE, ITC, Experian, Home Loans, Infonet, Papertrail,
AS-400, Customer Direct Data System (CDDS),
Lotus Customer Management System (CMS), Standard.
Bank Security Management System (SMS), SAP’s Employee.
Self-Service System, Serena’s Teamtrack, Oracles Gijima.
Query system, Oracles E-Cubed Business Lending.
Management System.
Nedbank Corporate : Nedbank Corporate Financial Spread System, Nedbank Account Management System.
Barclays PLC : Synergy (Audit Application).
Spreadsheet : Microsoft Excel, Corel Quattro Pro, Lotus 123.
Word
Processor : Microsoft Word, Corel Word Perfect, Adobe.
Data
Management : Micosoft Access, Microsoft Works, SAS, ARIES.
Presentations : Micosoft PowerPoint, Microsoft Flash.
Programming : Visual Basic, Turbo Pascal, Delphi.
Employment History
INTERNAL AUDITOR
Company : Barclays Bank PLC
Division : Internal Auditing.
Sub-Division : Functions, Wholesale Credit Risk.
Job Family Grade : Associate Vice President
Period : October 2013 – Present.
Responsibilities:

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Audit reviews on all wholesale credit (i.e. corporate and investment banking) controls for the Africa region of Barclays Bank. The control environment
encompasses the credit lifecycle in its entirety. The responsibilities of this role entail an on-going review of the control environment through the lenses of both
an audit assurance as well as a continuous-monitoring approach through client visits and networking.
The duties of this role encompass:
(a) Delivering audit assurance through audit reports
(b) Continuous reviews on the control environment,
(c) Making recommendations to control weaknesses and their improvement (i.e. structural reform, system re-design, control embedment),
(d) Audit planning and scoping
(e) Project management from planning until reporting,
(f) Compilation of audit reports for the Chief Internal Auditor,
(g) Team audit planning on a half-yearly basis,
(h) Full compliance with the Barclays Audit Methodology.
Achievements:
In my short tenure in this role I have managed to identify twenty five control deficiencies that have contributed to risk reductions, cost improvements and major
changes to the overall risk management in the credit control environment, across the African continent. I recently performed a thorough end to end credit
assessment in Mauritius that has resulted in a major improvement to the bank’s key risk environment that comprises a corporate and investment banking book
with an estimated book value of US$20 billion.
Reason to consider Leaving:
I have always led teams and have shown excellent results in those roles, an opportunity to incorporate my wholesale credit knowledge and experience with
people-management responsibilities will be an incentive for me to consider leaving given its alignment to my growth and development.
CREDIT MANAGER (CORPORATE BANKING)
Company : Nedbank Corporate Limited.
Division : Corporate Banking.
Sub-Division : Credit
Job Family Grade : Management
Period : September 2012 – August 2013.
Responsibilities:
This role was the embodiment of credit lending to Nedbank’s large corporate clients. Credit granting included vanilla type facilities (i.e. overdrafts, term loans,
commercial property finance, accounts receivable and debtor book financing, rental discounting) as well as structured facilities to address specific client needs.
All credit applications included a thorough client investigation and analysis based on:
(a) Audited financial statements and management accounts,
(b) Pipeline reports,
(c) Due diligence reports,
(d) Onsite visits which included amongst others, stock evaluation, debtor confirmations, customer service management analysis,
(e) Projected cash flow statements,
(f) Sales contracts
(g) Printed media.
The role encompassed the end to end lending cycle from request to post-approval fulfilment and entailed detailed forecasting and client engagement to ensure
accurate risk assessments are performed. The structure and magnitude of deals necessitated committee level approval for each and every deal which encouraged
thoroughness as well as a rigorous interrogation of each and every deal being done. It was therefore imperative that as a credit manager, the role called for
exceptionally high people skills, resilience and innovation in line with refined technical knowledge. The role also demanded an exceptionally high accounting
knowledge due to the complexity of financial management that was affixed to the types of deals being done.
As part of my own responsibilities I was also tasked with the monthly compilation of management reports on the team’s performance and assessment trends.
Achievements:
In this role, I assisted the Credit Director when the team was highly short-staffed in bringing down overdue reviews and ensuring throughput on ten new deals. I
helped compile the monthly management information packs and was pivotal in the approval of a ZAR1 billion deal for a major airline in South Africa as well as
two other Domestic Medium Term Loan Programmes totalling ZAR1.5 billion for another key stakeholder in country. I was also part of a team that helped in
the Domestic Note Programme for a very large road improvement project in country.
Reasons for Leaving:
An opportunity arose for me to start a business venture but I subsequently was attracted to Barclays Internal Auditing which offered new opportunities in the
Credit Risk environment.
CREDIT RISK MANAGER (MID-CORPORATE BANKING)
Company : Standard Bank Of South Africa Ltd.
Division : Mid-Corporate (Business Credit).
Sub-Division : Centralised Lending.
Job Family Grade : Standard Bank Group (SBG 11)
Period : August 2010 – Present
Responsibilities:
Risk analyses using financial ratios to assess Audited Financial Statements and or Management accounts to measure financial covenants and breaches.
Ensuring applicable covenants are set to alleviate credit risks at a future date.

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Identifying adverse industry and other economic trends that could influence our lending exposure; ensuring that these are reported accordingly.
Monthly risk management reporting to a Credit Risk Committee to ensure stoppages are enacted timeously.
Auditing approved exposures to ensure the “best fit” is adhered to on all lending and also to ensure that reckless lending has been avoided.
Vetting of legal agreements and other agreements for “vanilla style” contracts in terms of our lending exposure; ensuring all conditions prevalent are strictly
adhered to while also liaising with the Group Legal division to maintain a win-win between credit, account executive and client.
Vetting all Sale Agreements, Project Contracts and other Legal style documents being entered into by our clients which have in effect on our lending.
Assessing Collateral and Security held and proposed to ensure the secureness of our exposure.
Scrutiny of daily and monthly information reports to track credit risks that might be imminent; reporting to the executive team accordingly.
Liaising with the respective stakeholders to ensure the right products are given for the right deals to ensure deals are made that suit the client and the bank
accordingly.
Preparation of Management Information Packs for the Executive team.
One sub-ordinate : personal development plans, appraisal discussions, performance management, mentoring and coaching.
Achievements:
Created a comprehensive Transport Industry Report in 2011 that described the industry, projected its historical trend and development and produced a projected
trend on its impact on our lending book as well as its performance over the next five years.
Created a summarised Real Estate Industry Report in collaboration with the Business Banking Director that tracked performance and adversity in the industry
and its impact on our lending book.
Assisted in maintaining Provisions held in the 2010/11 reporting periods through Risk Management Strategies.
Helped increase our lending book with the inclusion of two central accounts through excellent Risk Management techniques while maintaining a good
relationship with all parties concerned.
Created a Management Information Reporting pack that is being used by the Executive team to track trends and performance in the division while also keeping
sight of the Risk Management aspects to be mindful of.
Assisted in the integration of a single Mid-Corporate Lending division for high levelled lending.
Reasons for Leaving:
An opportunity arose for me to expand my Risk Management career with greater exposure to Corporate and Investment Banking.
CREDIT RISK MANAGER (EMPOWERMENT FINANCE LENDING)
Company : Standard Bank Of South Africa Ltd.
Division : Empowerment Finance (Personal & Business Credit).
Sub-Division : Specialised Lending.
Job Family Grade : Standard Bank Group (SBG 11)
Period : April 2010 – August 2010.
Responsibilities:
Risk identification using assessments of Cash Flow Statements. (Given the nature of business and its relative newness to the bank).
Liaising with Khula Finance and two other Indemnity Finance houses to ensure lending is streamlined without interruptions to the client.
Liaising with Business Managers to ensure all conditions are met and that our agreements are drafted, scrutinised and distributed to the client in an efficient and
effective manner.
Scrutinising Risk Information reports to mitigate any credit risks that are imminent.
Two sub-ordinates : personal development plans, appraisal discussions, performance management, mentoring and coaching.
Achievements:
Assisted the Head, Risk Management in several ad-hoc duties including month-end reporting and performance management.
Reason for Leaving:
I was promoted within the Credit Space to the Mid-Corporate (“Big-Ticket” Lending) area to greater my exposure and influence.
CREDIT RISK MANAGER (SMALL TO MICRO AND MEDIUM ENTERPRISE LENDING)
Company : Standard Bank Of South Africa Ltd.
Division : Personal & Business Credit.
Sub-Division : Regional Credit Lending.
Job Family Grade : Standard Bank Group (SBG 11)
Period : June 2008 – March 2010.
Responsibilities:
Risk identification using assessments of Cash Flow Statements, Non-Comprehensive Income Statements and Balance Sheets.
Auditing all newly agreed facilities to ensure all compliance aspects have been adhered to.
Liaising with Business Managers to ensure all conditions are met and that our agreements are drafted, scrutinised and distributed to the client in an efficient and
effective manner.
Scrutinising Risk Information reports to mitigate any credit risks that are imminent.
Seven sub-ordinates : personal development plans, appraisal discussions, performance management, mentoring and coaching.
Achievements:
Assisted the Centre Head with several ad-hoc duties including month-end reporting and performance management.
Proposed the change from a purely Credit Risk Management section to a split between Credit Risk Management and Compliance Management with the
necessary breakdown in KRA’s, H. R Activity and work processes.
Query handling and dispute management.
Reason for Leaving:

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I needed to increase my exposure in the Credit Risk Management space and needed an opportunity in Corporate lending.
CREDIT RISK SUPERVISOR
Company : Diners Club Of South Africa Ltd.
Division : Personal & Business Credit.
Sub-Division : Risk Management.
Job Family Grade : Standard Bank Group (SBG 09)
Period : June 2007 – May 2008.
Responsibilities:
Identifying Credit Risk activity using daily and monthly information reports; monitoring performance of all exposures any defaults.
Reporting all adverse trends to the Credit Risk Manager for further action to be taken.
Liaising with clients to determine their necessities and also to advise them on decisions made regarding their application progress.
Making decline or approve decisions for applications to a value of R500,000.00.
Six sub-ordinates, Appraisal discussions, Personal Development Plan discussions, strategising.
Achievements:
Assisted the Credit Risk Manager with a Monthly Management Information Pack.
Strategically divided the Credit Risk Team into an Evaluation team with a separate risk component to
Reason for Leaving:
I needed to increase my exposure in the Credit Risk Management space and needed an opportunity in Corporate lending.
CREDIT RISK ASSURANCE OFFICER
Company : Standard Bank Of South Africa Ltd.
Division : Personal & Business Credit.
Sub-Division : Home Loans Credit (Personal).
Job Family Grade : Standard Bank Group (SBG 09)
Period : April 2006 – May 2007.
Responsibilities:
Auditing applications approved to ensure all compliance checks have been done accordingly.
Ensuring all deviations are recorded and reported accordingly.
Liaising with the “Granting” Team to administer coaching and development to ensure the error rate is kept minimal.
Maintain a target of 6% on a Month-to-Month basis in terms of errors found.
Achievements:
Helped implement a “Winning-Ways” strategy in terms of the process being followed, resulting in a process time saving of 15 minutes per application screened.
Reasons for Leaving:
I needed to expand my career in Credit Risk Management.
CREDIT COLLECTIONS OFFICER
Company : Standard Bank Of South Africa Ltd.
Division : Personal & Business Credit.
Sub-Division : Home Loans Credit (Personal).
Job Family Grade : Standard Bank Group (SBG 07)
Period : May 2005 – March 2006.
COLLATERAL & SECURITIES OFFICER
Company : Standard Bank Of South Africa Ltd.
Division : Personal & Business Credit.
Sub-Division : Home Loans Credit (Personal).
Job Family Grade : Standard Bank Group (SBG 06)
Period : January 2004 – April 2005.
CONTRACT CONSULTANT
Company : Standard Bank Of South Africa Ltd.
Division : Personal & Business Credit.
Sub-Division : Home Loans Credit (Personal).
Job Family Grade : Contract Staff
Period : August 2003 – December 2003.
IT NETWORK ADMINISTRATOR & ACCOUNTANT
Company : KipMcgrath Education Centres.

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SAIEESHEN PATHER, 2015 | 6
Division : KipMcgrath, Lenasia South.
Job Family Grade : Contract Staff
Period : January 2000 – June 2003.
TRAINEE ACCOUNTANT
Company : Mr. A. R. Chetty – Tax and Financial Management Consultancy.
Division : Private, Lenasia, Johannesburg.
Job Family Grade : Contract/Vacation Staff
Period : December 1996 – December 1999.
Social Involvement
COMMUNITY
Member of the Ayenaar Temple Council, Lenasia, Johannesburg
Was a participant in the SANTA fund-raising campaign for tuberculosis
in 1998 and 1999
Voluntarily assisted the Shri Adi Sankhar Temple Council with their feeding scheme
in disadvantaged, informal settlements in and around the Lenasia South
area for the period 1998 – 2000
Voluntarily assisted the Sierra Nevada Primary School in Lenasia South with various
Information System requirements in the period 1998-1999
Assist the Kip McGrath Learning Centre in Johannesburg with Teaching and
other ad-hoc duties on a voluntary basis
ACHIEVEMENTS
Took first prize in the Interschool Speech Contest, 1999
Took a Silver award for the Mathematics and English Olympiads, 1999
Took a Bronze award for the Afrikaans and English Olympiads, 1998
Standard Bank recognitions for : Service Excellence & Teamwork,
2005; 2007, 2009, 2011.
SPORT & RECREATION
Member of the Kung-Fu Academy, Lenasia which is affiliated to the
Shaolin Temple in Tokyo, Japan – Graded once
Regularly participate in : Soccer & Cricket on a social level
Enjoy playing Chess and was a member of the High-school Chess Club
Also enjoy keeping track of events in : Formula One motorsport,
Soccer and Cricket
Collector of Model Cars
Enjoy reading and subscribe to regular editions of: Fortune, Time, CAR & The Star, also enjoy reading articles in: The Financial Times, Business Day, Finweek
and The Financial Times and their websites respectively.
Enjoy monitoring data and trading shares/derivatives online.
My References
VINOD KALICHARRAN
Relationship : Mentor, Coach and previous Manager
Period known : 12 Years
Departments : Standard Bank, Home-Loans (Collections &
Credit Risk Assurance)
Tel : [+27]83 621-1463
Email : vinod.kalicharran@gmail.com
SALOME MOREKHURE
Relationship : Head, Credit Risk Management
Period known : 2 Years
Departments : Standard Bank, Centralised Lending,
Johannesburg
Tel : [+27]82 940-9147
Email : salome.morekhure@standardbank.co.za

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LOUISE HEWITT
Relationship : Supervisor
Period known : 2 Years
Departments : Standard Bank, Home-Loans (Collections),
Johannesburg
Contact:
Tel : [+27]11 636-1245
Email : louise.hewitt@standardbank.co.za
NICO GROENEWALD
Relationship : Director, Credit Risk Management
Period known : 4 Years
Departments : Standard Bank, Retail Credit Centre, Pretoria
Tel : [+27]12 368-5644
Email : nico.groenewald@standardbank.co.za
PERRY CHETTY
Relationship : Mr A.R. Chetty’s successor
Period known : 29 Years
Tel : [+27]86 660-0585
MR R. N. MORGAN
Relationship : Previously my School Principal
Period known : 18 Years
Departments : Park Primary School, Sierra Nevada Primary
School, Nirvana Secondary School, Johannesburg
Tel : [+27]11 855-2105