Chris Lubbe

Chris Lubbe is the Credit Executive at Bayport Financial Services | BML, a position he has held since October 2012. With over two decades of experience in financial services, Chris has specialized in credit risk management, analytics, and underwriting. His career progression includes significant leadership roles at African Bank (2003-2012), where he served as Head of Credit Innovations, Head of Credit Underwriting, and Head of Credit Analytics and Processes. Prior to that, he spent six years at Nedbank (1996-2003) in various management roles including MIS Manager and Information Manager in corporate banking. His philosophy on unsecured lending emphasizes customer education and responsible credit use to improve quality of life, achieving equilibrium between shareholder returns and customer relevance.