Board of Directors

Board Chairperson – Sikkie Kajee




Sikkie is an independent consultant who boasts an illustrious career in the field of finance and corporate governance spanning almost 30 years.Sikkie served his articles with BDO Spencer Steward in Durban, where he spent seven years before joining the internal audit profession at two parastatals, namely, Agricor and Agribank in the North West province.


He spent four years in Mafikeng before returning to Durban to head the Transnet Group Audit Services in KwaZulu-Natal. During his tenure at Transnet, Sikkie also worked as a risk manager responsible for a department with a budget of R20 million, 200 permanent staff, and 200 contractors.


Sikkie was lured back to the consulting profession to establish Ernst and Young’s Business Risk Consulting (Internal Audit) division in the Western Cape, prior to joining Gobodo Inc. Sikkie established Gobodo’s Risk Management Division and was responsible for growing it from 3 staff members and R1 million in fees to 42 staff and R18 million in billings over a period of 5 years. He left Gobodo to join KPMG in order to meet new challenges.


Sikkie spent eight and a half years as a partner at KPMG firstly in the internal audit services unit and for the last three years, in the management consulting unit. He left KPMG at the end of August 2012, to become an independent consultant in the corporate governance and finance field.


Sikkie serves on the following Boards in addition to his duties at the NDMA:

  • Institute of Directors, where he is Chairperson of the Audit Committee
  • South African Ballet Theatre, where he is Chairperson of the Finance Committee
  • Chartered Secretaries Southern Africa
  • Business and Arts South Africa, where he recently stepped down as Chairperson.


Academically, he holds an MBA (UKZN) and Hons BCompt (Unisa)




Esther Fortunate Letlape




Esther Letlape is businesswomen and an entrepreneur, she is Deputy Chairperson of a newly established Rail Company, Community Rail Services. Esther passion for people development and leadership skills has earned her a finalist award in South Africa Most Influential Women in business and government, a CEO Magazine initiative aimed at recognising and acknowledging women who makes a difference and contributing positively in their work or business environment.Esther has acquired vast knowledge and experience in various industries where she held Director and Executives roles in Human Resources In Forestry, Sappi South Africa she was appointed HR Director, prior to this role she was appointed HR Executive within the Transport industry (Transnet), Construction (Murray & Roberts), Mining and Energy ( Sasol Oil) , Chairperson for Businesswoman Association, Johannesburg branch.







Christo Otto


christo otto


B.Com (RAU); MBL (unisa); AFM (UP)


Christo started his banking career in 1976 at Volkskas Bank, and later moved to Santambank/Bankfin credit and risk. He then worked in Absa’s credit department and started the Motor Finance Corporation (MFC) as Executive Director, Credit and risk in 1998.


Christo is a founder member of the National Motor Financing Association and served on various credit industry committees although he officially he retired in 2013 when he was serving as Executive in MFC, a division of Nedbank.








Magauta Mphahlele-Chief Executive Officer



Magauta holds a BA degree with majors in Psychology and Applied Linguistics, and Honors Degree in Applied Linguistics as well as a Postgraduate Diploma in English Education. All these she acquired from the University of the Witwatersrand. She has also completed various courses on regulation offered by the International Development Law Organization and the London School of Economics.


She started out her career as an academic at the University of the Witwatersrand where she lectured in the department of Applied Linguistics. She then moved to the Department of Trade and Industry where she played various managerial roles.


These include managing capacity building projects aimed at consumer non-governmental organizations and monitoring and evaluating the performance of 8 regulatory institutions that report to the dti (Competition Commission, Competition Tribunal, Gambling Board, Lotteries Board, Micro Finance Regulatory Council, Trade Metrology and Estate Agents Affairs Board).


As project manager for Consumer Law Reform at the dti, she was instrumental in driving the development and enactment of the National Credit Act and Consumer Protection Act. This included policy and legislative development, stakeholder management and consultations, managing parliamentary processes and the establishment of the implementing agencies.


On 1 August 2007 she was appointed a full time member of the National Consumer Tribunal where she served as an adjudicator for 2 years. She is currently the CEO of the National Debt Mediation Association which is a section 21 company established by major credit providers to enhance the voluntary restructuring process envisaged in the National Credit Act, to contribute to the combating of over indebtedness as well as to mediate financial difficulty related disputes between consumers and credit providers.


She has served as a non-executive director in the following institutions:


  • National Homebuilders Registration Council
  • Estate Agents Affairs Board
  • Consumer Affairs Committee
  • Legislative Committee of the Financial Services Board (current)
  • Gauteng Consumer Court (current)
  • Credit Ombudsman


Brian Mdluli


Brian Mdluli


Brian Mdluli is the former CEO of the DMA of Southern Africa. His objective was to work alongside the board of committed and professional DM opinion leaders to deliver a true mouth piece for the direct marketing industry. With international sales and marketing experience, Brian also holds strong views on corporate governance and the transformation of the economy. He has extensive experience in business development and sales growth working from the ground up. Between 2000 and 2004, Brian visited 51 out of the 52 African countries to establish and develop business contacts throughout the continent, ranging from private sector through to government contacts. During the same period, he co-headed a sales team that increased the Harvey Roofing Products’ sales by 45% year on year. At the time of his resignation in 2004, Brian headed the Harvey Roofing Products sales department with an annual turnover of R36 million. He then joined Afro Cool, an industrial air conditioning company where he grew turnover by 900% over an 18-month period. By 2004, Afro Cool grew from 1 client to 91 clients with four new major centres established in South Africa. In addition to this he initiated and grew the Afro Cool Africa export market. During his career Brian has worked at Nedcor, Multi-Waste, Harvey Roofing Products and Afro Cool before his appointment as CEO of the Direct Marketing Association of SA in 2006.


Luis da Cruz




Luis is an Operational Specialist with more than 20 years exposure and experience in the Credit and Banking Industry.


Luis began his career practicing with a firm of attorneys for 3 years before joining an Industrial Finance Company where he fulfilled the roles of Legal Advisor, Credit and Collections Manager.









In 1994, Luis joined WesBank as both Manager and Operational Specialist. Luis has extensive experience in WesBank and has, during the past 20 years, been involved in various projects within the Bank, including:


  • Legal Manager
  • Head Office Manager
  • Compliance and Risk Manager
  • Plays a pivotal role in all Ombudsman and NCR complaints and negotiations


Luis has been involved with the National Credit Act (NCA) and Debt Review since its implementation in 2007.


He designed and implemented the NCA training manual for WesBank and was directly involved in the training of management and staff.


Established and managed the WesBank Debt Review Department, where he remains extensively involved.


Luis was an active and influential member of the inaugural Debt Counsellor/Credit Provider Workgroup that was established in 2007 to improve the Debt Review Process.


Luis has been involved in almost every Debt Review related project that has been introduced, including:-


  • NCR Task Team Debt Re-arrangement Guidelines introduced in 2010
  • Debt Counsellor training documents
  • Debt Counsellor Debt Restructuring System
  • Development of Debt Review and Industry Codes of Conduct
  • Voluntary Debt Mediation Service Pilot (VDMS)
  • Central Data Switch (CDS)
  • NDMA Debt Counsellor/Credit Provider Joint Forum


Luis currently represents WesBank as a member of the Banking Association (BASA) Heads of Debt of Review and Technical Committees and is also part of the workgroups that are nominated from these committees.


Luis also represents WesBank at the National Motor Finance Association (NMFA) and, as such, he represents that Association at the following Forums:-


  • National Credit Industry Steerco (NISC)
  • Consumer Education Sub-committee
  • Joint Credit Industry Forum (CIF) (formerly known as DRAC)
  • Various CIF Sub-committees


Luis is often invited to speak or participate at various conferences such as the quarterly Credit Industry Safari, Debt Counsellor Annual Conferences and NCR/Debt Counsellor workshops.


Lebogang Ramafoko,-[Masters in Public Administration, Harvard university]






Lebogang Ramafoko is an experienced social and behavior change expert with 19 years experience in the field. As a CEO, her major responsibility is to mobilize resources and manage the financial aspects of the organization so that Soul City Institute remains financially sustainableand toensure that funds are effectively managed and accurately accounted for, in terms of internationally accepted accounting standards and donor contractual requirements. She has experience developing various social and behavior change communications interventions and before becoming the CEO at Soul City had worked in different capacities in the organization, giving her practical skills and experience in the actual development of various social and behavior change tools that included television dramas, print booklets specially designed for low literacy end-users, radio dramas and talkshows. Lebogang is known for her creativity and bringing innovation to designing social and behavior interventions. She pioneered a world first makeover show that highlighted the role of communities in creating and enabling environment for individual behavior change. In her management of the creation of the community makeover show, she demonstrated an ability to work with local communities and harness their strength to communicate complex development issues that they face. Her leadership abilities were recognized in 2002 when she was awarded a Clinton Democracy Fellowship. Lebogang is known for managing relationships with donors, various tiers of government, the private sector and the NGO community. She is currently the chairperson of the communications technical task team in the South African National AIDS Council as a civil society representative. Lebogang was recently awarded Harvard South Africa fellowship to study towards a Masters in Public Administration at Harvard University. She holds a post-graduate diploma in Ethics and a Bachelors Degree in Education from Wits University.