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Ernest Van Riet is the Head of Department at Capitec Bank and has previously served as the Head of Credit Sales and Head of the Credit Product Line. They manage a team of approximately 250 professionals, overseeing credit development, analytics, and client account management. Ernest has a strong focus on optimizing credit strategies and enhancing customer satisfaction through innovative product features and tailored offers. They are currently pursuing a B.Comm in Law at the University of Stellenbosch, building upon a foundation established with an Honours in Financial Economics from the same institution.