I provide a wide range of digital services to both businesses and individuals.

CAS is the only joined-up, end-to-end process to help accountants deliver advisory services

Digital creation, marketing and sales

Responsible for the tactical management of the loans component to ensure that the overall national sales targets of the branches are achieved. This is inclusive of the branch growth and development, quality control of loan applications and overall efficiency.

Company ProfileListed Financial Services Provider in the Micro Lending IndustryResponsibilities includeManage the KPA's of Subordinates (14 Strategic Business Units - 45 staff members)Manage growth of the areaManage the achievement of set targets in Sales, Credit Control and ApplicationsIdentify new growth opportunitiesDevelop marketing plans and manage implementation (with Corporate assistance)Develop working knowledge of oppositionDevelop knowledge of loan demographicsManagement of StaffManage and control staff levels i.e. appointments, dismissals and rationalizationProductivity and PerformanceMotivation at all levelsDiscipline at all levelsManagement of all Policies and Procedures pertaining to the BranchTraining and DevelopmentIdentify needs at all levelsOrganise Training i.e. Training Department or on-the-job TrainingAssess and maintain standardsAdministrationBranch AdministrationMaintenance RequirementsSecurityAsset ManagementUniformity of Branches i.e. tidiness, correct marketing material, etc.Operations AdministrationAccount investigationsAudit variance reportingCorrective actionCost ControlsManage staff levelsManage asset requirementsTelephone account managementStationery managementCommunicationDaily Branch calls to ensure open communicationCreate and maintain a sound working relationship with branch managersCreate and maintain a sound working relationship with head office staffBranch visits at least three times per month per branchConvene and hold bi-monthly Branch Management meetingsRegular information sharing with Regional Manager

Rollout of the CashXpress product nationally.

Company ProfileRecently listed Financial Services Provider in the Micro Lending IndustryResponsibilities includeManage the KPA's of Subordinates (9 Strategic Business Units - 40 staff members)Manage growth of the areaManage the achievement of set targets in Sales, Credit Control and ApplicationsIdentify new growth opportunitiesDevelop marketing plans and manage implementation (with Corporate assistance)Develop working knowledge of oppositionDevelop knowledge of loan demographicsManagement of StaffManage and control staff levels i.e. appointments, dismissals and rationalizationProductivity and PerformanceMotivation at all levelsDiscipline at all levelsManagement of all Policies and Procedures pertaining to the BranchTraining and DevelopmentIdentify needs at all levelsOrganise Training i.e. Training Department or on-the-job TrainingAssess and maintain standardsAdministrationBranch AdministrationMaintenance RequirementsSecurityAsset ManagementUniformity of Branches i.e. tidiness, correct marketing material, etc.Operations AdministrationAccount investigationsAudit variance reportingCorrective actionCost ControlsManage staff levelsManage asset requirementsTelephone account managementStationery managementCommunicationDaily Branch calls to ensure open communicationCreate and maintain a sound working relationship with branch managersCreate and maintain a sound working relationship with head office staffBranch visits at least three times per month per branchConvene and hold bi-monthly Branch Management meetingsRegular information sharing with Regional Manager

Company ProfileRecently listed Financial Services Provider in the Micro Lending IndustryResponsibilities includeManage the KPA's of Subordinates (9 Strategic Business Units - 40 staff members)Manage growth of the areaManage the achievement of set targets in Sales, Credit Control and ApplicationsIdentify new growth opportunitiesDevelop marketing plans and manage implementation (with Corporate assistance)Develop working knowledge of oppositionDevelop knowledge of loan demographicsManagement of StaffManage and control staff levels i.e. appointments, dismissals and rationalizationProductivity and PerformanceMotivation at all levelsDiscipline at all levelsManagement of all Policies and Procedures pertaining to the BranchTraining and DevelopmentIdentify needs at all levelsOrganise Training i.e. Training Department or on-the-job TrainingAssess and maintain standardsAdministrationBranch AdministrationMaintenance RequirementsSecurityAsset ManagementUniformity of Branches i.e. tidiness, correct marketing material, etc.Operations AdministrationAccount investigationsAudit variance reportingCorrective actionCost ControlsManage staff levelsManage asset requirementsTelephone account managementStationery managementCommunicationDaily Branch calls to ensure open communicationCreate and maintain a sound working relationship with branch managersCreate and maintain a sound working relationship with head office staffBranch visits at least three times per month per branchConvene and hold bi-monthly Branch Management meetingsRegular information sharing with Regional Manager

in the Micro Lending IndustryResponsibilities includeManage the KPA's of Subordinates (14 Strategic Business Units - 90 staff members)Manage growth of the areaManage the achievement of set targets in Sales, Credit Control and ApplicationsIdentify new growth opportunitiesDevelop marketing plans and manage implementation (with Corporate assistance)Develop working knowledge of oppositionDevelop knowledge of loan demographics(Managed to grow an area from R72m to R166m p a sales in 3 years)Management of StaffManage and control staff levels i.e. appointments, dismissals and rationalizationProductivity and Performance (was instrumental in reducing staff costs and increasing productivity which improved the cost to sales ratio from around 5% to 3.5%)Motivation at all levelsDiscipline at all levelsManagement of all Policies and Procedures pertaining to the BranchTraining and DevelopmentIdentify needs at all levelsOrganise Training i.e. Training Department or on-the-job TrainingAssess and maintain standardsIdentify and develop management potential through the Bank Seta Learnership program in the area. I managed to achieve a 95% pass rate and was able to appoint 3 previously disadvantaged staff members to managerial positions.AdministrationBranch AdministrationMaintenance RequirementsSecurityBulk AllowancesAsset Management (Achieved a 95% average internal audit rating over the past 4 years)Uniformity of Branches i.e. tidiness, correct marketing material, etc.Operations AdministrationAccount investigationsAudit variance reportingCorrective actionManage handover process (Achieved a bad debt ratio of ± 5% over a 5-year period)Manage Credit Control Contact reportingCash ManagementCost ControlsCommunication

BROKERAGECompany ProfileThe core business is to source and sell clients on behalf of insurance companies, i.e.Short term insurance. Long term insurance Medical Insurance.Areas of Responsibilities Source and sell to clients various products as offered by the insurance companies Supermarket - Retail Operation ( Plus numerous other businesses below

BROKERAGECompany ProfileThe core business is to source and sell clients on behalf of insurance companies, i.e.Short term insurance. Long term insurance Medical Insurance.Areas of Responsibilities Source and sell to clients various products as offered by the insurance companies Supermarket - Retail Operation ( Plus numerous other businesses below

Numerous Retail Outlets covering FMCG, Building and related hardware stores.Business consultant to SME's through a local NGO ( Bethlehem Development Association ) SOME OTHER BUSINESSES OWNED IN THE PAST:Bond Originating company in Vanderbijlpark.Two offshore companies ( IBC's ) trading on the American Futures and Options exchangesA computer training center in BethlehemRetail cellular shop including miscellaneous electronics in BethlehemRetail copy and printing shop in BethlehemWebhosting, design and various internet businesses.