About Unifi

Unifi Credit was founded through the acquisition and amalgamation of various successful microfinance institutions in Sub-Saharan Africa. In 2015, Unity Finance in Zambia was acquired and in 2017, a stake was obtained in Ultimate Finance in Tanzania. One year later, the two businesses amalgamated with Cobol Loans and its world-class loans management system, UniBos, in South Africa. Each of these companies are, and always have been, driven by a strong focus on offering faster, simpler lending through tech, data analytics and outstanding customer service.

Today, Unifi Credit employs over 250 staff members across the different countries and from our head office in Stellenbosch we offer centralised IT, credit, marketing and financial services to the group.

Michiel le Roux Chief Executive Officer

Michiel le Roux

Chief Executive Officer
Michiel brings 10 years of financial and entrepreneurial experience to the Unifi Credit management team. He graduated from the University of Oxford and worked in London’s financial sector before joining an Africa-focused private equity firm in South Africa from where he identified microfinance as a potential business opportunity.
Gouws du Plessis Chief Technology Officer

Gouws du Plessis

Chief Technology Officer
Gouws has experience in working in both the finance and IT side of lending and brings 15 years of experience to the team. As founder of the UniBos loans management system he is familiar with the cutting edge of financial technology.
Mike Roux Chief Technology Officer

Mike Roux

Chief Data Officer
Mike has over 35 years of experience in customer and credit data analytics. He is passionate about using data to solve business problems and has extensive experience in building scorecards and developing credit risk strategies across the customer life cycle in multiple countries. He has a BSc(Hons) in Statistics and an MPhil in Futures Studies.
Emil Paul Unity Finance Chief Executive Officer

Emil Paul

Chief Executive Officer, Unity Finance
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.
Chantel Pieterse Cobol Loans Chief Operations Officer

Chantel Pieterse

Operations Manager, Cobol
Chantel has more than 16 years’ experience in the microfinance industry. She has expertise in customer relationship management, loan consultancy, human resource management, office administration, collections management and financial administration. She holds a diploma in Assistant Accounting and various certificates in the field of micro-financing.
Elias Mtunguja, Ultimate Finance’s Chief Executive Officer

Elias Mtunguja

Chief Executive Officer, Ultimate Finance
As founder of Ultimate Finance, Elias is a born entrepreneur and veteran of the Tanzanian microfinance market. With expertise in accounting, finance, and operations, Elias is spearheading the business’ rapid expansion.