Tracey Harmse

Tracey Harmse is a seasoned professional in credit risk management and organizational leadership, currently serving as the Head of Credit Book Control and Recoveries for Business Bank and Rental Finance at Capitec. With a robust background that includes roles such as Head of Strategy and Governance and Manager positions at Capitec, Tracey has achieved significant advancements in team cohesion and post-merger stabilization. Tracey's educational credentials include an MBA from the University of Stellenbosch Business School and an LLB from the University of the Western Cape. Additionally, Tracey has experience as a member of the Board of Trustees for the Capitec Bank Employee Empowerment Trust and as a Partnerships Specialist for TEDxCapeTown.