Charl C Muller is a seasoned analytics leader with extensive experience in driving businesses toward transformation and innovation through data, AI, people, and technology. Holding Post Graduate Diploma in Business Administration and Bachelor of Science in Quantitative Risk Management from North-West University/Noordwes-Universiteit, he also has certificate expertise in Advanced Project Management and Artificial Intelligence: Strategies for leading business transformation from Northwestern University - Kellogg School of Management. His enterprising nature, coupled with his analytical and strategic acumen, allows him to excel in ambiguous environments where he has access to support teams, cutting-edge technology, and the mandate to drive complex business and customer-related problems across markets.

With an entrepreneurial mindset and a startup-like instinct, Charl is recognized for his ability to focus on the long-term solution and to execute medium-term strategies that transform businesses and disrupt industries. He has successfully turned around income statements and balance sheets through data-driven and analytically informed strategies that can be deployed tactically and sustained over time. Charl builds frameworks, teams, and capabilities that execute with impact on strategic initiatives. He is an expert in leading innovation along the digital transformation journey, always taking a data and AI-led approach to product development that future-proofs organizations.

Charl Muller is currently the Head of Personalisation and Profit Science at Standard Bank South Africa, having previously held executive and managerial positions within Standard Bank South Africa. He has also worked as a Credit Strategy Analyst and Impairment Analyst for Bayport Financial Services, in addition to serving as a Product Manager for Credit Card and Manager: Profit Optimisation Business Lending at Standard Bank South Africa.

Charl is a confident public speaker, having presented on an international stage, along with local conferences and organizational leadership events where he has shared insights into topics such as customer-centricity in the age of digital interconnectedness, hyperscaling personalisation through the cloud, and transforming legacy organizations through artificial intelligence and personalization. He is passionate about people and emphasizes the importance of empowerment, training, and mentorship in liberating talent, which is the foundation of any prosperous business.