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Charmaine O. has extensive experience in analytics and data management, currently serving as Analytics Manager Product Owner, and previously as Customer Data, Analytics and Visualisation Manager and Analytics Manager at TFG (The Foschini Group) since May 2018. Prior to this role, Charmaine O. worked at Old Mutual South Africa as Customer Analytics Manager from February 2013 to April 2018 and held the position of Snr Business Analyst at Old Mutual from February 2010 to January 2013. Earlier in the career, Charmaine O. was a Data Miner at Metropolitan from May 2008 to January 2010 and a Statistical Analyst at Capitec Bank from December 2006 to March 2008, focusing on credit risk analysis. Charmaine O. began the career as a Data Miner at SANLAM from August 2002 to December 2006. Educationally, Charmaine O. holds a Bachelor of Science (BSc) Hon in Mathematics and Statistics from the University of the Western Cape, completed between 1999 and 2003, and attended Kasselsvlei High School from 1989 to 1993.