Ndivhuwo graduated from AIMS South Africa in 2013 and is currently a Quantitative Risk Analyst at the South African Reserve Bank (SARB). Before joining SARB, he was a Junior Lecturer in the Mathematics Department at the University of Venda. He grew up in Budeli village in the Limpopo Province where he did his primary and secondary school. He also holds a Master’s in Financial Engineering from WorldQuant University;a Postgraduate Diploma in Risk Management from the University of South Africa; and BSc Honours degree in Applied Mathematics from the University of Venda. His interest is in the development and validation of credit risk models for regulatory capital calculations under the Advanced Internal Rating Based (AIRB) approach. Ndivhuwo is also involved in studies to investigate the viability of machine learning techniques for estimating the Basel risk parameters where the focus is assisting with the development of new policies and regulations relating to credit risk. Apart from his professional duties, he provides mentorship and career guidance to junior students mainly from the University of Venda where he has over ten candidates who progressed through to Master’s level and are now working in reputable financial institutions in South Africa. “AIMS equipped me with unique problem-solving and programming skills, presentation and communications skills and exposed me to a diverse network.”