Running a retail operation well is harder than it looks. It’s not just the stock figures and the SLA reports — it’s the staff roster, the shop branding, the training gap you spotted last Tuesday, the depot owner who needs a conversation, and the customer complaint that landed in three different queues. Knowing which of those to handle yourself and which to delegate, and doing both without dropping anything.

We’ve served more than 7 million customers across Africa, unlocking over $2 billion in credit. Fifty‑five percent of those customers are accessing formal financial services for the very first time, and 86 percent report a meaningful improvement in their quality of life. As we grow toward 10 million, our retail footprint expands, our depot and service‑centre network scales, and the operational leadership that holds it all together matters more than ever.

On any given ...