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Nkokeletseng Bellah Malema has extensive experience in credit risk management, currently serving as the Head of Credit Risk Division at PG Bison since February 2019. Previous roles include Regional Aviation Credit Manager at Puma Energy and Credit Analyst within the same company, focusing on risk assessment and customer relations. Earlier positions at TOTAL involved credit control and administration, while initial experience includes roles at BMW Financial Services and COIN Security Pty Ltd. Nkokeletseng holds a National Diploma in Credit Management from the University of Johannesburg and is further advancing education in Risk Management with a Postgraduate Diploma at MANCOSA, alongside completion of programs in Negotiation Skills and Risk Management from prominent business schools.