Andre Heunes

Senior Financial Services Executive with 30+ years of leadership experience across banking, micro-finance, unsecured lending, credit risk, collections, and business development. Demonstrated success in launching, scaling, and leading lending operations in South Africa and Botswana, driving sustainable loan book growth, strong portfolio performance, and regulatory compliance. Experienced in sales strategy, broker network management, operational leadership, and stakeholder engagement.

Recognized for building high-performing teams, strengthening governance, and delivering profitable growth in competitive financial services environments. Available for relocation and international travel.

Managing Director at ENDLESS CAPITAL (PTY) LTD (2024-01 – 2025-12)

Founded and scaled a new micro-finance business.

• Accountable for loan book growth, portfolio quality, and profitability.
• Led sales managers, brokers, and direct sales teams.
• Strengthened sales, operational, retention, and collections frameworks.
• Developed training initiatives to improve sales performance.
• Managed governance, reporting, and strategic partnerships.

Managing Director at PEO FINANCE (PTY) LTD / CAPRICORN INVESTMENT HOLDINGS BOTSWANA (2021-05 – 2023-12)

Established and led a new micro-finance operation within the group.

• Directed lending, sales, collections, and retention functions.
• Managed broker and sales networks across Botswana.
• Implemented governance structures, policies, and operational controls.
• Delivered sustainable loan book growth and portfolio quality.
• Led strategic planning and execution.

Head of Sales – Unsecured Retail Lending at FIRST CAPITAL BANK LIMITED (2018-04 – 2021-05)

Led national unsecured lending sales operations.

• Managed regional teams, brokers, and distribution channels.
• Drove loan book growth while maintaining credit quality standards.
• Implemented sales strategies and performance frameworks.
• Enhanced customer retention and portfolio growth.
• Provided executive reporting and performance insights.

Director at ECSPONENT LIMITED (2016-10 – 2018-04)

Developed vendor finance products and funding solutions.

• Led licensing and regulatory approvals in Botswana.
• Established governance frameworks and operating policies.
• Drove business development, market expansion, and product strategy.
• Directed sales execution and commercial growth initiatives.

Managing Director at SURE CHOICE (PTY) LTD (2014-01 – 2016-10)

Led business operations, strategy, and growth initiatives.

• Oversaw lending, budgeting, staffing, and compliance.
• Implemented operational systems, policies, and procedures.
• Built and developed high-performing teams.
• Delivered business expansion and profitability.

Chief Executive Officer at ESCALATOR INVESTMENT HOLDINGS LIMITED (2013-02 – 2014-01)

Established business operations and infrastructure in Botswana.

• Secured regulatory approvals and licensing.
• Developed SME-focused vendor finance solutions.
• Implemented sales, marketing, and distribution strategies.
• Managed broker accreditation and stakeholder relationships.

Chief Executive Officer at BLUE EMPLOYEE BENEFITS (PTY) LTD (2007-02 – 2013-02)

Directed operational, financial, and strategic activities.

• Managed lending operations and portfolio performance.
• Implemented growth strategies and operational improvements.
• Oversaw budgeting, staffing, and compliance.

Owner at BO-KAONE SERVICES (2006-01 – 2007-12)

Delivered tracing and collections services for African Bank.

• Managed internal and external tracing teams.
• Improved recoveries through enhanced tracing methodologies.
• Oversaw client reporting, reconciliations, and service delivery.

National Broker Manager at AFRICAN BANK (2004-01 – 2006-12)

Managed national broker partnerships and agreements.

• Drove broker sales performance and growth.
• Coordinated collections, tracing, and customer service initiatives.
• Conducted training and compliance reviews nationwide.

Area Manager at ALTERNATIVE FINANCE LIMITED (2000-01 – 2004-12)

Opened and managed branches across the Western Cape.

• Led sales, collections, operations, and marketing activities.
• Negotiated employer agreements and payroll partnerships.
• Managed regional call centre operations.

National Manager – Forensic Investigations at INDEPENDENT DEVELOPMENT TRUST FINANCE CORPORATION (1995-01 – 2000-12)

Led fraud, theft, and forensic investigations.

• Managed recovery processes and legal actions.
• Coordinated with law enforcement and legal stakeholders.

Credit Supervisor at ABSA BANK (1989-01 – 1995-12)

Managed collections, recoveries, and tracing activities.

• Supervised staff performance and operational delivery.
• Supported asset recovery initiatives.

Detective Constable at SOUTH AFRICAN POLICE SERVICE (1984-01 – 1989-12)

Conducted criminal and fraud investigations.

• Prepared cases and supported prosecution processes.
• Served within specialized investigative units.

Senior Certificate (Matric) – Stoffberg High School (1983-12)