About Lndr

Lndr (Pty) Ltd, is a registered National Credit Provider, and a leading FinTech company that provides a seamless, innovative, and cost-effective lending solution.

Lndr Management

A dedicated group of industry leaders and visionaries driving innovation and excellence in the world of financial technology.

With a wealth of experience and a passion for delivering cutting-edge solutions, our management team is committed to guiding Lndr towards new heights, ensuring that our clients receive the best-in-class service and technology in the ever-evolving landscape of fintech.

Chief Executive Officer

Neville Graham

Neville is an experienced financial services executive with expertise in banking, credit-risk management, lending, collections, insurance, and retail management. He is a FAIS insurance Key Individual.

Currently, Neville holds key roles in two organizations. He is the CEO and Director of LNDR (Pty) Ltd and the Chief Operations Officer of Numeral.

Previously, Neville served as the Head of Lending at TymeBank and as the Chief Credit Officer at MyBucks SA, where he managed various departments.

Head of Operations

Sarie Le Roux

Sarie is a seasoned Operations, Sales & Marketing Executive with over 20 years in banking. Her expertise in fast-paced environments, methodical approach, and analytical skills have driven operational excellence, customer satisfaction, and profitability. Sarie holds a BA degree in Health Sciences & Social Sciences, specializing in Psychological Counselling.

Her versatile skill set includes Operations Management, Financial Management, Training, Customer Engagement, Project Management, Direct Marketing, Data Analysis, and Stakeholder Management.

Group Chief Financial Officer

Nathan Issa

Highly skilled and seasoned Financial professional with 7 years of experience in financial management and reporting, within the manufacturing, FMCG and financial Service industry.

Known for his exceptional problem-solving abilities and the capacity to identify opportunities for process improvement. Committed to maintaining the highest level of integrity and confidentiality in handling financial information. BCom management accounting and currently studying towards CIMA qualification.

Head of Collections

Johan Breedt

Johan initiated his professional journey in 1989 at Saambou Bank, where he navigated through diverse managerial roles in collections, sales, customer rehabilitation, and call center operations. His adept leadership included steering strategic objectives, driving new business developments, and ensuring operational excellence.

In 2017, Johan embraced the Scrum methodology, assuming multiple roles in IT/Development. Certified as a Scrum Product Owner, Scrum Master (Scrum Alliance), and Tester (ISTQB), he demonstrated a seamless transition into agile practices. Johan excels in simplifying complexities into effective business processes.

Armed with an Advanced National Diploma in Business Management, a National Diploma in Law, and additional certifications from the University of Johannesburg, Johan combines academic rigor with extensive practical experience. His career reflects a dynamic fusion of traditional banking and agile development expertise.

Head of Distribution

Awie Fourie

Awie Fourie boasts 14 years in the financial sector, beginning as a regional manager at Power Financial Services Group, where he scaled the business to profitability. His journey continued at Atlas Finance Group, managing the Northern KZN region.

In 2015, Awie joined the Mybucks group, serving as an operations manager in Kenya before becoming the Country Manager in Tanzania in 2017. In 2020, he assumed the role of Head of Distribution at LNDR in South Africa, leading with a focus on innovation and efficiency.

Awie’s career reflects his talent for identifying opportunities, building high-performing teams, and implementing strategic initiatives for organizational success. He remains dedicated to advancing the financial industry in the years ahead.

Loan book since inception

Lndr provides end-to-end digital services on behalf of the Credit Provider

Total number of loans

5 969

Book value

R 363 121 653

Accumulative payroll collections

93%

Existing payroll clients

Lndr streamlines the process of providing payroll loans to companies, managing the entire lifecycle and facilitating convenient repayments directly from employees’ salaries.

Municipalities

Mines

Independent businesses

Access Bank Journey

In October 2022, Lndr and Access Bank entered into a three-year Service Level Agreement (SLA) to establish a strategic partnership for providing lending solutions. Access Bank will serve as the funding source for Lndr’s loans, and the financial products will be reflected on Access Bank’s balance sheet. The lending arrangement began in November 2022, with a focus on payroll lending.

MTN joins forces with Lndr

MTN has joined forces with Lndr, a registered local credit provider, to offer personal loans via its Mobile Money platform, MoMo, it said on Tuesday.

Personal loans offered will range from R2 000 to R180 000, with R1 000 of the approved funds going directly into the customer’s MoMo wallet.

Customers can apply by logging into the MoMo platform and checking if they are eligible. Once they have uploaded the required documents, they will be notified by SMS within 24-48 hours of the assessment outcome, MTN said.

According to the mobile company, some 6.2 million people are already subscribed to the MoMo service, and the personal loan offering will further extend its impact.

MTN has also partnered with local fintech startup Zapper and services aggregator QuickBus. The Zapper feature will allow customers to make instant virtual payments to Zapper-enabled merchants across SA on the MoMo app, while the QuickBus feature will let them them compare and purchase bus tickets across 25 different operators.

Ubank Journey

Our UBank journey began in June 2020 when UBank granted LNDR (Pty) Ltd R50 million for a ‘Proof of Concept.’ In the first month (August 2020), we disbursed R5 million, followed by an additional R45 million over the next three months (September-November 2020). The majority of our book is payroll, maintaining an impressive 96% accumulative collections rate. In March 2021, LNDR (Pty) Ltd formalized the partnership by signing a Service Level Agreement with UBank, conducting a fully digital end-to-end lending solution on their behalf, with all loans written on UBank’s balance sheet. By the end of the year, a total of R245 million was disbursed. Despite robust sales of R45 million in March 2022 and a sales potential of R80 million per month, UBank funding was terminated on 12 April 2022, attributed to the Capital Adequacy Ratio, leading to curatorship under SARB.

Lndr Accolades

Lndr has earned prestigious accolades in recognition of its outstanding contributions to financial inclusion, including being awarded Fintech Solution of the year, Lending, and Best Mobile App Platform.