Pepkor Payments and Lending
Francel Duminy currently serves as the Head of Data Science at Pepkor Payments and Lending, a position held since July 2024. Prior to this role, Francel was the Data Science Lead for Risk at Pepkor Holdings Limited from August 2022 to June 2024. Francel's extensive experience includes over 14 years at Principa, where roles included Principal Analyst, Head of Decision Analytics, Manager of Marketing Analytics, Manager of Predictive Modeling, and Analytical Consultant. Francel has also worked as a Data Analyst at Lewis Group for a brief period in 2011. Academically, Francel holds an HonsBComm in Operations Research and a BSc in Mathematical Science with a focus on Applied Maths and Operations Research, both from Stellenbosch University. Secondary education was completed at Brackenfell High School.
Pepkor Payments and Lending
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Pepkor Payments and Lending, is a division of Pepkor Trading (Pty) Ltd, that incorporates personal loans and store credit operations of Pepkor through two registered credit providers namely, Capfin and Tenacity Financial Services, a division of Pepkor. We have a diverse Executive team who is responsible for the strategic direction of Capfin and Tenacity, which have grown into successful businesses over the past 15 years. We work with amazing talent and saw an opportunity to create further value in combining our specialized skills and unlocking synergies to exponentially grow the two businesses. It made absolute business sense to create PPL as a shared central support structure that could deliver specialised and innovative payments and lending solutions to boost the business's operational efficiencies, productivity, and profits. This coming-of-age union also supports future growth in the payments and lending space, which will become apparent over time.