We're

Unifi

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

our purpose

We’re redefining personal credit with innovations that will make life easy for 1 million clients by 2025.

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.

We’re redefining personal credit

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

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 in Zambia and Uganda, and online in South Africa. Zambian clients can also apply for a Unifi loan via our USSD app or at Pep stores nationwide.
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Short- and longer- term personal loans
unifi group - map

our group

Unifi Zambia

Unifi South Africa

Unifi Uganda

Ultimate Finance Tanzania

our leadership team

Michiel le Roux

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

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

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

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

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.
Elias Mtunguja

Elias Mtunguja

CEO, Ultimate Finance Tanzania
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.
Michael Boden

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

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).

our values

Unity

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

Dignity

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

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.

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

careers

vacancies
Shehaam - Client Care

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.
Jacques -Data Analytics

Jacques

Data Analytics

We’re encouraged to come up with innovative solutions to the current multifaceted credit industry and are always looking for opportunities to do pioneering work within the African credit market.

Chantel - Operations

Chantelle

Operations

The Unifi Culture is special – it has a positive effect on everyone who works here.