In a financial landscape defined by volatility and rapid digital change, managing risk is no longer about protection, it’s about positioning for growth.

This week on Pivot Point, we sit down with Thabani Ndwandwe, Chief Risk Officer for Personal & Private Banking and Standard Bank South Africa, to unpack what it takes to navigate risk across 16 markets while driving innovation and inclusion in Africa’s largest banking group.

With over two decades at Standard Bank, Thabani has helped shape the institution’s approach to consumer and SME credit, digital transformation, and inclusive lending balancing purpose and prudence in an era of disruption. Kaya FM