Prior to Quona, Johan spent more than ten years creating and driving consumer finance, insurance, and fintech businesses in Africa. He launched the first automated mobile-only unsecured loan product in Africa, closing pan-African partnership deals with some of the continent’s biggest mobile network operators, in turn providing mobile financial services products to millions of unbanked consumers, small businesses, and mobile money agents.
Johan spent his early career in large businesses like Goldman Sachs and a subsidiary of Swiss Re.
AllLife delivers immediate pricing and policy issuance to clients in South Africa with chronic diseases (diabetes and HIV) through its robo-advisory technology, real-time underwriting algorithm and treatment-centric, managed care approach.
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Through a digital platform that manages underwriting and loan disbursal processes, Finja provides working capital loans t o SMEs as well as loans to employees of SMEs on their platform.
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Lulalend is a fully digital SME working capital lender that provides loans to South Africa's "missing middle" - businesses too large to access microfinance or too small to secure large capital loans.
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Tarfin aims to fill the agricultural financing gap in Turkey by providing farmers with agricultural inputs with extended payment terms through its agri-retailers network.
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