01 — Story

The career

The long version.

A career across risk, agriculture, photography, education and software. Three lessons, not a chronology — then the path in order.

Read the three lessons

Phillip Kemp, seated in a chair with his hand to his chin, in an olive blazer and white T-shirt.

02 — Risk

What risk taught me

I studied risk management, then priced it for a living. For five years at KEMPRO Brokers I traded and priced agricultural and financial exposure: futures, options, hedging.

The work was arithmetic with consequences. A wrong number did not fail a test; it landed on a farmer’s season or a business’s margin.

That taught me to look at the downside first. Before the upside, before the demo, before the slide: what happens if this is wrong, and who pays?

I still start there. It is why I ask what a feature costs when it fails, not only what it earns.

Risk also taught me to write down the assumption. A price is only honest if you can show the inputs. I carry that into software: if a decision cannot be explained, it is not finished.

That is also how I make decisions: calculated risk, a clear downside, and no pretending it belongs to someone else.

03 — Building

What building at scale taught me

I joined Mwabu, a UK edtech startup, as employee number three. We built tablet-based learning experiences and educational games, much of it used across Africa, from a Potchefstroom studio.

Small teams teach you the whole system, because there is no one else to hand it to.

Then I spent seven years on frontend architecture at BMW’s IT Hub. There I learned to deliver inside systems that already exist: other teams, other standards.

Scale is not more code. It is more people who have to agree before anything ships.

Today I lead from the trenches: close enough to the work to know when it is wrong. My job is to connect the business decision to the technical one, make the constraint clear, then get out of the way.

The best delivery I have seen was not heroic. It was a team that knew exactly what it was building, and why.

04 — Refusing

Why I refuse the default

The default is convenient. It listens, decides, nudges and asks for more data than the task needs. Most products drift there because it is easier than choosing.

I started meLink with one rule underneath: the user leads, the technology follows. No ambient listening, no unsolicited action, no dark patterns. The interface can disappear. The decision cannot.

If a feature wins the demo and loses the person, it does not ship.

We Are Still Human is the same argument out loud. The show began with a position, not a product: presence over prediction, identity over automation, people over the systems using them. The systems are getting smarter and we are getting quieter.

I am comfortable being early, and I would rather find out in the build than in a meeting.

Then I wrote the six rules down, because a principle with no implementation is a wish. That is the refusal: not a slogan, a specification.

05 — The path

No invented dates

The path.

South African roots. The durations are the ones I can stand behind; where I have no date, I have not made one up.

  • BCom Risk Management

    The formal grounding for the risk I priced in practice.

  • Agricultural and financial trader

    Commodity and financial markets; five years pricing risk at KEMPRO Brokers.

  • Employee #3, Mwabu

    A UK edtech startup building tablet-based learning experiences and educational games.

  • Frontend architecture, BMW IT Hub

    Seven years delivering inside systems that already exist.

  • Building my own, 2024

    meLink, We Are Still Human and the six written rules.

  • Wedding photographer, in parallel

    Ten years reading light, rooms and people who do not want to be posed.

In short

06 — In short

14 years building 6 rules written 97 episodes

I train in self-defence. Preparedness, personal responsibility and strength under control are the standard I hold myself to.

The views on this site are my own. BMW is my employer, not a sponsor of this work.