We began in 2017 as Credit Gateway, founded with a clear goal: to provide people with easier access to credit information and scores. As we grew, so did our vision. We recognised that true financial health required more than credit access – it demanded holistic wellness solutions, compassionate debt rehabilitation, and ongoing financial education.
To empower individuals and organisations by alleviating the burden of debt and providing a clear, compassionate path to financial resilience and freedom.
To become South Africa’s most trusted and impactful partner in financial wellness, transforming how individuals, employers and institutions approach financial health.
Operational setup, ecosystem integration, Luanch of group Subsidiaries, geographic expansion.
Contracted corporate partners, onboarded unions and employers.
Concluded R100m Funding
Employers client acquisition grew 70%
Obtained Goverment Deduction code to assist civil servants.
Exponential growth in users and loan disbursements.
We believe that everyone deserves the opportunity to achieve financial stability and success, regardless of their background or circumstances. To achieve this vision, our subsidiaries work together in a number of ways to deliver our financial wellness program.
Welltec Shared Services provides the central underwriting, administration, and operational support across the Group. As the underwriting management agency, it ensures responsible credit decision-making, strong governance, and regulatory compliance. By centralising key functions, Welltec Shared Services enables consistency, efficiency, and risk management across all subsidiaries, allowing the Group to deliver sustainable and customer-centric financial solutions.
Welltec Finance Holdings is the Group’s registered credit provider, offering responsible and affordable credit solutions designed to support financial stability rather than create financial strain. Through transparent pricing, ethical lending practices, and data-driven credit assessments, Welltec Finance helps customers access credit that aligns with their affordability and long-term financial wellbeing.
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Welltec Financial Services is responsible for the origination and distribution of financial products across the Group. With strategic distribution channels, it ensures that appropriate financial solutions reach the right customers at the right time. Its focus is on delivering accessible, relevant, and responsibly structured products that support overall financial wellness.
Welltec Collections is a registered External Debt Collector (EDC) delivering ethical, high-recovery debt solutions.
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Repear Debt Restructuring operates as an Alternative Dispute Resolution (ADR) Agent, specialising in the origination and facilitation of debt management products and services. It assists over-indebted consumers by engaging creditors, restructuring debt obligations, and providing structured solutions that restore affordability and financial dignity. Repear plays a critical role in helping clients regain control of their finances and move towards long-term financial recovery.
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Bennie van Rooy is a seasoned financial executive with extensive experience across banking, public finance, and commercial enterprises. He is a Chartered Accountant CA(SA) and has held various senior leadership roles including CFO
of iMasFinance Co-operative Limited and Land Bank, executive and senior management positions at Absa Bank and JD Group, and CEO of Access Bank South Africa (formerly Grobank). He also served as Chief Restructuring Officer at
Arwyp Medical Centre and Bridge Taxi Finance.
As CEO of Welltec Group, Bennie oversees the Group’s operations and strategic initiatives, driving innovation in consumer financial wellness and ensuring sustainable growth across all business units. He is passionate about making a
difference to the lives of consumers, creating scalable solutions that empower workforces to achieve financial stability.
Johan Jonck is a Chartered Accountant CA(SA) with extensive experience in financial services, entrepreneurship, and corporate governance. He founded Unity Financial Services and participated in the listing of African Bank.
As the founding Chairman of the Micro-Lenders Association of South Africa, he was a member of the team that drafted the National Credit Act.
As Executive Chairman of Welltec Group, Johan oversees board governance and guides the long-term strategic direction of the organisation to ensure that the Group continues to deliver innovative solutions to alleviate the
financial stress of consumers.
Gert Jonck is the strategic architect of Welltec Group, a fintech innovator dedicated to enhancing consumer financial wellness. He holds a B.Com degree in Accounting Science from the University of South Africa. By bridging
cutting-edge technology with business growth, Gert has built a scalable ecosystem that helps workforces move from financial stress toward long-term stability.
Gert served as CEO of Welltec Group from its inception and now oversees the Group’s Technology and New Business Development functions, driving innovation and expanding the company’s impact across the corporate sector.
Advocate Obed Tongoane is an admitted advocate of the High Court of South Africa with extensive legal and regulatory expertise. He previously held senior executive roles at the National Credit Regulator, where he gained deep
experience in governance, compliance, and regulatory oversight.
As a Non-Executive Director of Welltec Group, Obed provides strategic guidance on legal, regulatory, and governance matters, ensuring the Group operates with integrity while delivering innovative financial solutions that support
consumer’s financial wellbeing.
Richard Charrington is an international corporate finance specialist with decades of experience in banking, trade finance, and structured transactions. He has led major debt restructurings, advised listed companies, and serves on multiple boards, bringing deep expertise in financial strategy and global markets.
As a Non-Executive Director of Welltec Group, Richard contributes strategic insight on corporate finance, risk management, and market expansion, supporting the Group’s mission to deliver innovative and sustainable solutions for workforce financial wellness.
Ilze Humphreys is a Chartered Accountant (CA(SA)) and accomplished financial executive with extensive experience in auditing, financial management, balance sheet oversight, and treasury strategies. With 13 years as an Associate
Director at PwC and 11 years as Corporate Financial Manager at iMasFinance Co-operative Limited, she brings deep expertise in governance, funding structures, and investor relations.
As Chief Financial Officer of Welltec Group, Ilze oversees the Group’s financial management and efficiency strategies, treasury management, and capital optimisation. She has successfully developed debt programmes, established
and managed securitisation vehicles, led fundraising initiatives, and driven IFRS 9 and financial model development—ensuring strong governance and long-term financial sustainability.
Quinette Dreyer is a strategic marketing executive with over a decade of experience across marketing, brand, communications, project management, and corporate relationship support across industries. She holds advanced diplomas
in Marketing, Digital and Multimedia Design, and is currently pursuing her MBA.
As Executive of Marketing & Communications of Welltec Group, Quinette is responsible for leading the Group’s Marketing and Creative Division, overseeing brand architecture, market positioning, and integrated growth strategies
across all subsidiaries. She operates at the intersection of brand, business, and behavioral insight, combining creative intelligence with commercial strategy, translating complex financial and regulatory concepts into clear,
compelling, and compliant communications that add real value to consumers and improve engagement.
Debbie Pieterse is an experienced operations executive with over two decades of expertise across financial services and retail, specialising in credit management, collections, quality assurance, and contact centre operations.
As Executive of Operations for Welltec Group, Debbie is responsible for leading the Group’s contact centre functions, ensuring regulatory compliance, service excellence, and performance optimisation. She combines hands-on operational leadership with strong governance, overseeing credit risk policies, NCA-aligned affordability assessments, fraud prevention, SLA management, and large-scale operational processes.
Debbie is passionate about building high-performing teams, strengthening internal controls, and driving efficient, customer-focused operations that support sustainable financial solutions.
Jeremy Chetty brings over two decades of experience in financial services, debt rehabilitation, and stakeholder engagement. With qualifications in Alternative Dispute Resolution, Business and Project Management, and an Advanced
Diploma from Milpark Business School, he combines commercial acumen with a deep commitment to improving financial wellbeing outcomes.
As Executive of Corporate Services of Welltec Group, Jeremy leads initiatives that integrate financial literacy, debt management innovation, and strategic stakeholder engagement. He designs and delivers targeted programmes
that empower consumers to make informed financial decisions, while spearheading integrated debt relief and credit rehabilitation strategies in collaboration with unions, employers, and service providers. His leadership bridges
technology and human connection to create scalable, compassionate solutions that strengthen consumer resilience.
Jeremy is known for his stakeholder-centric approach, fostering trust and transparency across diverse audiences.
Thandokuhle Buthelezi is a seasoned Chartered Company Secretary (ACIS, FCIBM) and IODSA member with over a decade of experience in financial services governance, compliance, and legal frameworks. She has held senior company secretarial and compliance roles at multiple regulated institutions, including Access Bank South Africa, Grindrod Financial Holdings, and Grindrod Bank, earning recognition from the South African Reserve Bank for her benchmark-quality regulatory frameworks.
As Executive of Legal and Compliance of Welltec Group, Thandokuhle leads the Group’s legal, regulatory, and governance functions, ensuring full compliance with the Banks Act, Companies Act, NCR and FSCA regulations, JSE listing requirements, and King IV governance principles. She provides strategic advisory to the Board and Executive Committee, manages regulatory risk, oversees contract governance, and drives initiatives that strengthen corporate governance and ethical leadership across the organisation.
Maureen Coetzee is a dynamic operations and business intelligence leader with over 15 years’ experience in debt recovery, financial services, and call centre management. With a strong foundation in Business Management (NQF4) and currently pursuing a B.Com degree, she combines operational excellence with advanced data strategy to drive performance across large-scale collections environments.
As Executive Manager of Welltec Collections, the Group’s registered External Debt Collection (EDC) company, Maureen leads strategic recovery operations, performance optimisation, and digital transformation initiatives. She has successfully overseen multi-departmental teams of 300+ staff, implemented AI-driven repayment forecasting models, automated enterprise-wide reporting systems, and significantly increased recovery rates through data-led decision-making. Her expertise spans credit and collections strategy, BI development, KPI management, compliance oversight, and stakeholder engagement.
Maureen is passionate about building high-performing, accountable teams and leveraging technology to deliver ethical, compliant, and sustainable debt recovery solutions that support both credit providers and financially stressed consumers.
Stephan Muller is a software development leader with over a decade of experience in desktop, mobile, and web applications, specialising in cloud technologies. He holds a Bachelor’s degree in Computing from Belgium Campus, with a focus on software engineering, and brings deep technical expertise in building scalable, secure, and user-centric digital solutions.
As Executive of Software Development at Welltec Group, Stephan leads the team responsible for designing and developing the Group’s Financial Wellness platform. He drives innovation across the platform, ensuring robust architecture and integration with payroll, AI, and analytics systems to empower consumers with accessible financial wellness tools.