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Text Content

 * About
   * Our purpose
   * Products & services
   * Our group
   * Leadership
   * Our values
 * News
 * Careers

apply for a loan




WELCOME TO

Unifi

We take smarter, easier, and faster unsecured lending solutions to underserved
markets across Sub-Saharan Africa.

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OUR PURPOSE

WE’RE REDEFINING PERSONAL CREDIT WITH INNOVATIONS THAT WILL MAKE LIFE EASY FOR 1
MILLION CLIENTS BY 2025.

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WE’RE MAKING LIFE EASY

We assist people in a way that they might not have expected from a lender and
that makes them go: “Wow, that was easy!”. Our products help people to achieve
even more, and to move forward despite life’s setbacks.

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WE’RE REDEFINING PERSONAL CREDIT

We use world-class data analytics and tech to offer credit that looks and acts
unlike any other similar product in the markets where we operate.

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WE MOVE FAST, BUT TREAD LIGHTLY

We move forward fast to pioneer ideas and deliver outstanding products to
previously under-served clients. But we tread lightly, and the footprints we
leave behind help the people whose lives we touch to achieve even more.

PRODUCTS & SERVICES


FAST, SIMPLE PERSONAL LOANS

We offer fast, simple personal loans to formally employed people in Sub-Saharan
Africa. Our loans can be accessed through our branches, websites and apps in
Zambia, South Africa, Uganda and Kenya.

get in touch



OUR GROUP

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UNIFI ZAMBIA

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UNIFI SOUTH AFRICA

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UNIFI UGANDA

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UNIFI KENYA


OUR LEADERSHIP TEAM


LILLIAN BWALYA

COO, Unifi Zambia
Lillian has extensive experience in operations, customer relationship management
and branch management. This experience is underwritten by the 18 years she spent
in Zambia’s finance sector. Lillian holds a Diploma as National Accounting
Technician, a Degree in Banking and Finance, and an MBA from Heriot Watt
University, UK.




MICHAEL BODEN

Country Manager, Unifi Uganda
Michael graduated from the University of Queensland, Australia and gained his
membership to the Chartered Accountants of Australia and New Zealand thereafter.
Shortly after coming back to his native South Africa he joined Unifi Credit to
run the Ugandan operations with the goal of making life easy for more Africans.


ROBERTO BONA

Chief Financial Officer
Roberto has extensive experience in Financial Management in large multi-national
corporations, serving as Chief Financial Officer for over 10 years. He holds a
Bachelor of Accounting Sciences degree from the University of South Africa. He
is trained under the SA Institute of Accountants and is a licentiate member of
the Zambian Institute of Chartered Accountants (ZICA).


MICHIEL LE ROUX

Group CEO
Michiel has 10 years’ financial and entrepreneurial experience. He graduated
from the University of Oxford and worked in London’s financial sector before
joining an Africa-focused private equity firm, where he identified microfinance
as a potential business opportunity.


GOUWS DU PLESSIS

Chief Technology Officer
Gouws has worked on both the financial and the IT side of lending and brings 15
years’ experience to the team. He is the founder of the Unibos loans management
system, a cutting-edge operating system that unifies operations across our Group
and makes life easy for employees and clients.


MIKE ROUX

Chief Data Officer
Mike holds a BSc(Hons) in Statistics and an MPhil in Future Studies. He has over
35 years’ experience in customer and credit data analytics. He’s passionate
about using data to solve business problems and has extensive experience in
building scorecards and developing risk strategies across the customer life
cycle in multiple countries.


EMIL PAUL

CEO, Unifi Zambia
Emil has extensive knowledge in banking, accounting and auditing, having worked
in the Middle East and in Zambia in the financial sector. He holds a Bachelors
Degree in Applied Accounting and a full Association of Certified Chartered
Accountants (ACA) qualification.


LILLIAN BWALYA

COO, Unifi Zambia
Lillian has extensive experience in operations, customer relationship management
and branch management. This experience is underwritten by the 18 years she spent
in Zambia’s finance sector. Lillian holds a Diploma as National Accounting
Technician, a Degree in Banking and Finance, and an MBA from Heriot Watt
University, UK.




MICHAEL BODEN

Country Manager, Unifi Uganda
Michael graduated from the University of Queensland, Australia and gained his
membership to the Chartered Accountants of Australia and New Zealand thereafter.
Shortly after coming back to his native South Africa he joined Unifi Credit to
run the Ugandan operations with the goal of making life easy for more Africans.


ROBERTO BONA

Chief Financial Officer
Roberto has extensive experience in Financial Management in large multi-national
corporations, serving as Chief Financial Officer for over 10 years. He holds a
Bachelor of Accounting Sciences degree from the University of South Africa. He
is trained under the SA Institute of Accountants and is a licentiate member of
the Zambian Institute of Chartered Accountants (ZICA).


MICHIEL LE ROUX

Group CEO
Michiel has 10 years’ financial and entrepreneurial experience. He graduated
from the University of Oxford and worked in London’s financial sector before
joining an Africa-focused private equity firm, where he identified microfinance
as a potential business opportunity.


GOUWS DU PLESSIS

Chief Technology Officer
Gouws has worked on both the financial and the IT side of lending and brings 15
years’ experience to the team. He is the founder of the Unibos loans management
system, a cutting-edge operating system that unifies operations across our Group
and makes life easy for employees and clients.


MIKE ROUX

Chief Data Officer
Mike holds a BSc(Hons) in Statistics and an MPhil in Future Studies. He has over
35 years’ experience in customer and credit data analytics. He’s passionate
about using data to solve business problems and has extensive experience in
building scorecards and developing risk strategies across the customer life
cycle in multiple countries.


EMIL PAUL

CEO, Unifi Zambia
Emil has extensive knowledge in banking, accounting and auditing, having worked
in the Middle East and in Zambia in the financial sector. He holds a Bachelors
Degree in Applied Accounting and a full Association of Certified Chartered
Accountants (ACA) qualification.
‹›


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OUR VALUES

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UNITY

Our purpose unites us. We share our ideas and knowledge and celebrate
achievement as a group effort. Because together, we can do more.

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DIGNITY

We see the humans behind the numbers and treat our clients, colleagues and
stakeholders with respect and dignity.

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SIMPLICITY

We offer credit that makes life easy when there’s an emergency, rather than add
to the stress. Our products are easy to get and to understand.

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TRUST

We are transparent and credible. Our clients, partners and stakeholders can
trust that we’ll do the right thing and that we’ll do things right.


LATEST NEWS

all news

UGANDA

10 Aug 2023


EXCUSE MY LOAN COMES TO UGANDA

We’re excited to announce that we’re excusing two customers’ loans every week
from 14 August to 14 November 2023. Last time, we wrote off eight...
read more

GROUP

24 Apr 2023


REDEFINING PERSONAL CREDIT ACROSS AFRICA

As a fast-growing personal lending group, Unifi Africa has big plans to disrupt
credit services across Africa. We are already active in four countries, and...
read more

PERSONAL LOANS

3 Nov 2022


HOW AN ONLINE LOAN WORKS

With an online loan, everything happens online without you having to set foot in
a bank or speaking to a loan consultant. You can complete...
read more


CAREERS

vacancies


SHEHAAM

Client Care
They say, “you are the company you keep”, so I’m thrilled to be part of a
diverse, inclusive team that motivates me to become better every day.


CHANTEL

Operations, Unifi South Africa

The Unifi Culture is special. It has an effect on everyone who works here.


MWANSA

Call Center

Being a part of this wonderful and exciting company has been a beautiful
journey. I have had wonderful experiences throughout my stay thus far and have
learnt memorable lessons.

We take smarter, easier and faster unsecured lending solutions to underserved
markets across Sub-Saharan Africa.

2023 © Unifi Africa

 * Our purpose
 * Products & services
 * Our group
 * Leadership
 * Our values
 * News
 * Careers

+27 21 110 0600 - Loan Enquiries
clientcare@za.unifi.credit - Loan Enquiries
+27 21 111 0888 - Corporate Enquiries
info@unifi.credit - Corporate Enquiries
Level 2 Block A, The Vineyard, 1 Devon Valley Rd, Stellenbosch, WC, South Africa
 * About
   * Our purpose
   * Products & services
   * Our group
   * Leadership
   * Our values
 * News
 * Careers


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 * Kenya
 * South Africa
 * Uganda
 * Zambia

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