WHO WE ARE
About Tenacity Financial Services
Since June 2007, Tenacity Financial Services (Pty) Ltd has been one of the supporting services for the Pepkor, providing private label credit cards to retailers within the group.
Our credit programmes are highly regarded for their simple pricing structures, quick time to market, and ongoing professional support. We currently operate in South Africa, Namibia, Botswana, Zambia and Swaziland, running credit programmes for Ackermans, Shoe City, Refinery, Dunns, John Craig and Tekkie Town. 


OUR TEAM
The members of our executive team have worked together with substantial success for almost 20 years. Collectively, they enjoy in excess of 100 years worth of experience in several leading industries, including retail, banking and technology.
Our business philosophy is to limit bureaucracy and ensure a dedicated focus on precise execution, with our results reflecting the soundness of this approach. 

OUR OFFERING
Through our specialised credit programmes, we aim to assist retailers with direct growth in turnover, and substantially enhance their customers’ retail experience as well as their retailer/customer relationships.
We believe that the credit market is currently in its most challenging phase as a result of significant regulatory changes and macro-economic challenges. Our strength lies in effectively managing retail credit programmes and our track record reflects our focus on improving profitability per customer or product. We offer In-Store Private Label Credit cards, Gift Cards, Virtual Vouchers and Lay Bye solutions.

INTEROPERABILITY
Each of our Retailers carry their own brand as well as an A+ mark depicting interoperability. Each retailer's card is accepted for purchase and payment wherever the A+ is indicated.

Credit

Retail

Tenacity Financial Services (Pty) Ltd

Tenacity Financial Services (Pty) Ltd's headquarters in Cape Town, South Africa

Eugene de Villiers

Tina De Lange

Philip Young

Michelle Duval

Kenny Van Zyl

The Sales and Collections team at Tenacity Financial Services is responsible for driving revenue growth through effective sales strategies and managing the collections process for retail credit programs. This team collaborates with retailers to enhance customer experiences and streamline credit offerings, while ensuring prompt collection of payments to optimize cash flow. With a focus on customer relationships and adherence to regulatory standards, they play a crucial role in supporting the company's mission of delivering impactful credit solutions across their operating regions.

Sales and Collections

The Leadership Team at Tenacity Financial Services (Pty) Ltd is responsible for setting the strategic direction and overseeing the execution of the company’s mission to provide innovative credit solutions to retailers. With a wealth of experience across retail, banking, and technology, the team focuses on enhancing profitability, managing risk, and fostering a culture that prioritizes customer relationships and operational efficiency. They lead initiatives to adapt to regulatory changes and macro-economic challenges while ensuring the delivery of high-quality service and support to retail partners.

Leadership Team

The Quality Assurance Team at Tenacity Financial Services (Pty) Ltd is responsible for implementing and overseeing rigorous testing protocols to ensure the integrity, functionality, and compliance of credit programmes. By analyzing processes, identifying potential risks, and conducting thorough assessments, the team enhances service quality and supports the overall goal of delivering exceptional retail credit solutions. They also play a vital role in training and development, ensuring that all team members are equipped with the necessary skills to maintain high standards of performance.

Tenacity Financial Services (Pty) Ltd

Org chart

Teams

Sales and Collections

Leadership Team

Quality Assurance Team

Offices

Tenacity Financial Services (Pty) Ltd

Org chart

Teams

Sales and Collections

Leadership Team

Quality Assurance Team

Offices

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