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We’ve been moving South African employees forward for the past 13 years.

Our reason for being is to offer South African public servants and the financially-stressed middle market a trustworthy financial partner. We benefit our customers through a holistic and sustainable financial approach.

Innovative financial product & solution milestones

  • First integrated funeral plan - including airtime, illness, trauma counselling and disability for only R95pm.
  • Awarded a voice-logged mandate Payroll deduction code from National Treasury (PERSAL).
  • Helped NSFAS collect in excess of R350 million pa in arrear fees using our data analytics and call centre capabilities.
  • First company to consolidate high-interest debt into bond for public servants with a poor credit score. Removing debt review, judgements and funding education needs.
  • Financial literacy rewards modules incorporated into the Edubond rehabilitation programme.
  • First company to incorporate affordable data into a funeral plan for public servants who could not get a mobile contract due to a poor credit score.
  • Development of the Africa Direct bank categorisation system that categorises any line item on an electronic bank statement, allowing us to provide our clients with effective money management literacy.

Market analysis findings

Our years of client interaction and communication, plus our in-depth bank categorisation analysis has given us a good indication of our client market.

Our findings in this market segment indicate the following:

  • Large segment of this market has been sold high-interest loans.
  • High levels of debt review.
  • Higher than normal levels of depression diabetes and high blood pressure, associated with financial stress.
  • Lack of understanding of personal money management.
  • Low levels of liquidity.
  • A struggle to make month’s end.

Our debt solution

Restructuring our client’s debt into bond has been our financial solution:

  • Clients save approximately R7000pm in disposable income.
  • Immediate relief from high interest debt.
  • Our settlements department negotiates settlement discounts for our clients.
  • High-interest loans, store cards, personal loans are all settled.
  • Arrears rates are brought up to date at an average settlement amount of R32,000 per client.
  • School fees and tertiary education are funded.
  • Judgements and debt review are removed.
  • Financial literacy rewards programme.
  • Clients switched to retail banks once credit score improves.

Fintech Overview

With a strong focus on innovation, we have developed advanced software solutions and services that empower our customers to thrive.
Our mission is to drive financial inclusion, enhance efficiency and foster economic and long-term growth for our customers.

Some off our Fintech achievements include the following:

  • A Campaign Management engine (CME).
  • Fully integrated workflow system.
  • An advanced Dialler system built on Twilio, integrating with WhatsApp for business, BOTS, emails, SMS, and website integration.
  • Negotiation and settlements platform.
  • Fully customised Loan management system.
  • Enterprise CRM with single customer view.
  • Learner management system.
  • Insurance and conveyancing modules.
  • Bank categorisation system which allows us to categorise any line item on an electronic bank statement.

Our executive team

Our skilled and experienced team is not only passionate about lifting the burden of unsustainable debt but also about equipping people with the tools they need to achieve a stable financial future.
Co-Founder & Executive Director
Lee has been in financial services for more than 30 years. He’s driven by a desire to help people get out of debt and manage their money better. And as Co-founder and Executive Director of Bond Optimiser, he aims to do just that. Although countless South Africans have fallen victim to reckless lending and bad financial advice, Lee believes that improving financial literacy and providing access to affordable financial products are the keys to a healthy financial future for all.
Chief Executive Officer
With over 20 years of experience in business development strategy, Jeroen is passionate about building businesses that have a positive impact on people and communities – that have a greater purpose than just profit. He has an Honours degree in International Business Economics and a Master’s degree in Business Administration, and has spent much of his career in the automotive, retail and financial services sectors as well as in the NGO sector.
Chief Operating Officer
Vebinia has worked in operations for almost two decades. During this time she has held positions in major listed companies and a financial services brokerage and has owned her own business. She is passionate about Bond Optimiser and believes in the power of financial literacy to change lives. She also says that applying Bond Optimiser’s principles in her own life has enabled her family to live free of debt. Vebinia has a B.Admin degree and an Honours degree.

Our operations team

Verushka Beirowski
Head of Legal
Operations Manager
Business Analytics Manager
Group QA Manager
Group Financial Manager
Financial Operations
HR Manager
Sales Manager
Customer Care Manager
Sales Team Leader
Customer Care Team Leader
Administrator Team Leader

Our auditors

Our Partners

Our Funding Partners

060 015 1926
Chat to us via Whatsapp
087 250 2332 or 021 569 8505
Call us 8am–5pm Monday to Friday.
Send us an email and we’ll respond.
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Bond Optimiser is a product of Africa Direct.
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Bond Optimiser (Pty) Ltd REG 2020/681729/07 is a credit repair company. Terms and Conditions apply. 
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