Director XDS and Head EOH Information Services
Vivian Pather founded XDS, as a fully locally owned credit bureau in 1993. His extensive experience in the information bureau industry, including projects in the USA, Europe, Middle East, Australia and Africa has enabled him to position XDS as a company that provides customers with the specialised skills, leading edge technological capacity and worldwide credit bureau experience they need as they seek to implement smarter credit solutions. Vivian is committed to offering customers innovative, customizable and flexible solutions, based on the highest levels of data integrity and accuracy.
Head of Bureau
Premlin Pillay has over twenty years of experience in financial services with executive roles across Risk, Operations and Technology. He currently heads up Strategy, Analytics, and Data for XDS, the largest locally owned credit bureau. Premlin joined XDS after the sale of his business, a niche risk and technology advisory consultancy which he founded in 2012. Prior to that, he was the COO and Managing Director for Wholesale and Retail Risk for South Africa and the Africa Region at a global bank with a significant footprint across the continent. His role encompassed Operations, Technology, Data and Analytics..
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In his XDS General Management roles for both Commercial and Consumer, Alex Moir has been closely involved in growing XDS through the acquisition of new customers. As Executive of Commercial he now focuses on both strategic and operational initiatives, including identifying ongoing improvement opportunities within the business and strengthening the XDS Commercial customer base. Alex’s focus on people development within the commercial team ensures that XDS customers consistently benefit from robust technical expertise and skilled people with a strong customer orientation.
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As lead of the Telecoms team at XDS, Brandon Pillay works closely with customers to define solutions using Data, Software and Analytics for Credit Risk, Debt Collections, Customer Value Management, ,Digital Sales Campaigns, Telesales Campaigns, Call Centre Operations, Tracing Operations and Fraud Departments. Brandon is committed to helping both our customers and XDS achieve success through innovative solutions which empower businesses to improve their overall performance. He is also involved in mentoring team members to achieve their professional goals..
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George Papadimas is responsible for growing XDS through targeted customer segmentation and focused sales and marketing efforts. Over the course of his career George has built a solid track record in sales and finance, as well as extensive knowledge of the collections industry. This deep industry experience ensures that he understands the needs of our customers and is well placed to offer the best solutions while at the same time helping XDS to grow profitably through attracting the right profile of customer.
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Executive: Research and Development
Chris Williams is responsible for Research and Development at XDS, ensuring that products are successfully conceptualized, developed, and delivered to market. Over the course of his career, Chris has been involved in designing and implementing a wide range of technical solutions across multiple industries. This extensive cross-industry experience positions him well to understand and analyse the needs of XDS customers and to develop tailored solutions in response.
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Kamala Premlall is responsible for managing all incoming data from our subscribers ensuring that XDS has access to consistently high quality data to support the quality of insights generated by our credit solutions. Over the years Kamala has gained extensive bureau experience, is well known across the industries we serve and has built excellent relationships with our subscribers. She also serves as our key bureau liaison for the South African Credit Risk & Reporting Association, (SACRRA), Credit Bureau Association (CBA) and National Credit Regulator (NCR).
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Head of Credit Analytics
Ryan is a seasoned Retail Banking credit professional with a vast experience covering the entire retail credit lifecycle. He has held positions with major banks as well as retailers and his former positions include Head of Data and Reporting at Connect Financial Solutions as well as Executive Head of Model Development and Model Management at Standard bank. His varied remits have included credit model development incorporating Capital (Basel 2), Impairments (IAS39, IFRS9), Originations, Account Management, and Collections Strategy design and measurement. In addition to the development of models, he has been responsible for the systems implementation of said models and the maintenance thereof as well as all aspects of credit data design and data management, management information, reporting and analytics. He holds a BCom degree in management.
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