As Retail Credit Director for the Barclays Sub-Saharan Africa division Nick was responsible for lending strategy, credit risk management and marketing analytics for the all of the Bank's retail product portfolios. Over the last decade, Nick has led retail credit management functions across the entire lending lifecycle - from prospect targeting to collections and recovery. Nick began his career delivering ICT and business solutions for AMS-CGI, the US-based credit systems consultancy, after graduating from Princeton University with a BA in Public Policy and International Affairs. He also holds an MSc in Quantitative Risk Management from the London School of Economics.

Serving both a local and international client base, the PIC Solutions Johannesburg office provides specialist consumer credit risk management consultancy to each of the country's leading credit grantors in the banking, retailing and telecommunications sectors. PIC serves a client base of more than 100 companies in 20 countries from its three offices in Cape Town, Johannesburg and Dubai.

Nick Geimer, Head of Johannesburg Consulting and Analytics, comments, "PIC Solutions has established its reputation as the leading retail credit risk consultancy in Africa and the Middle East by consistently delivering exceptional value to its clients. I look forward to joining the dedicated team of PIC consultants and analysts who have helped many of South Africa's most respected credit grantors achieve world-class capabilities in their core lending functions."

Stephen Leonard, Managing Director of PIC Solutions, adds, "Until recently, Nick has been at the 'coal face' of retail credit and understands the practicalities of lending and collecting money in environments where data quality, systems and processes have varying degrees of robustness. His specialised knowledge and experience in delivering data-driven customer lending strategies in Africa combined with his relentless focus on value and on delivering ressults at speed will keep our business well ahead of the competition in the years to come."