XDS is the largest locally owned credit information bureau in South Africa, with subsidiary operations in Ghana and Zimbabwe. We are part of Mettus, a collective of established brands that spans the fast growing data and technology markets across Africa. XDS is rated a level 1 B-BBEE company and is headquartered in Sandton Johannesburg, South Africa. 

At XDS, we believe that customer value and lifecycle management has largely replaced old fashioned credit management in minimising risk and improve proﬁtability within a business. We are committed to providing smarter and more technologically advanced information solutions to credit grantors and other data users, so that they can make better decisions when it comes to granting and managing credit.

Our skilled and experienced team together with our leading-edge technology means we’re able to oﬀer innovative and customised credit solutions for rapidly changing business environments. We have extensive experience in credit bureau operations both locally and internationally and are considered the technology leader in developing and deploying credit bureau operating software

JHB Office: 011 645 9100 
DBN Office: 031 584 7379 

Credit

Xpert Decision Systems (XDS) Pty Ltd

Vivian Pather

Chris Williams

Xpert Decision Systems (XDS) Pty Ltd

Org chart

Teams

Account Management Team

ICT and Engineering Team

Product and Development Team

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