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Karabo Kaisara

@karabokaisara

I grow responsible digital lending portfolios through fintech partnerships, credit risk governance, and data-driven portfolio analytics.

Botswana

Message

What I'm looking for

I'm looking to support responsible growth in technology-led lending through fintech partnerships, portfolio risk governance, data-driven decisioning, and cross-functional delivery.

I've supported Access Bank Botswana's Orange Money / Ezra Nano Loan partnership, helping scale its digital lending balance sheet from BWP 10 million in 2023 to over BWP 200 million while maintaining credit risk and regulatory oversight.

As Head of Portfolio Analytics, Credit Risk Management, I lead portfolio monitoring, impairment governance, collections analytics, stress testing, capital management, and executive reporting. I translate delinquency, cure, credit quality, and impairment insights into practical actions for Credit, Collections, Finance, Operations, Technology, Compliance, and external partners.

Across Access Bank, Absa, and Standard Chartered, I've built credit models, dashboards, reporting frameworks, and data-quality controls that supported balance-sheet growth, a 10% NPL reduction, RWA optimisation, and stronger regulatory reporting.

Experience

Work history, roles, and key accomplishments

Head: Portfolio Analytics, Credit Risk Management

Access Bank Botswana

Dec 2021 - Mar 2026 (4 years 3 months)

Led the Credit Portfolio Analytics function covering portfolio monitoring, credit quality assessment, impairment oversight, collections analytics, stress testing, capital management, regulatory reporting and data-led portfolio governance. Served as liaison and portfolio risk lead for the Nano Loan partnership, supporting partner coordination, credit quality management, regulatory oversight and gro

Credit Portfolio Management IFRS 9 Collections Analytics Regulatory Reporting Capital Management Data Governance Business Intelligence Stakeholder Management