Nexora Capital — Management & Governance
The management team and the governance architecture underpinning Nexora.
Section 18 · Business Plan
Management & Governance
The management team and the governance architecture underpinning Nexora.
The founding executive team combines SME credit, banking
infrastructure and structured-finance depth. Named appointments are
being finalised through executive search concurrent with the raise; the
specification below is the hiring standard to which term-sheet investors
will have approval rights.
| Role | Required expertise | Key mandate |
|---|---|---|
| Chief Executive Officer | SME finance & fintech scaling; prior P&L leadership at a lender or platform | Capital raise, strategic partnerships, regulatory relationships |
| Chief Technology Officer | Banking infrastructure; core-ledger and payments architecture at scale | Platform build, security posture, integration ecosystem |
| Chief Financial Officer | Structured finance; securitisation and warehouse execution | Warehouse structuring, treasury, investor reporting |
| Chief Risk Officer | Credit risk in unsecured/SME lending; model governance | Underwriting engine performance, IFRS 9, collections |
| Chief Operating Officer | Operational scaling of digital financial services | Service operations, compliance operations, regional launch |
Governance Architecture
- Board of seven: two founders/executives, two investor nominees,
three independents (chair, credit-committee chair, audit-committee
chair). - Board committees: Audit & Risk; Credit & Model
Governance; Remuneration & Nominations; Social & Ethics
(Companies Act requirement). - Monthly investor reporting pack: portfolio vintages, covenant
compliance certificate, liquidity runway and cohort unit
economics. - Independent internal audit co-sourced from a major firm from Year
2; external model validation annually.
risk
The plan’s FY2027 milestones assume a complete C-suite within six
months of close. CFO and CRO searches in SA structured finance are
competitive; a three-month slip directly delays warehouse tranche-1
execution, which gates first disbursements. Mitigants: retained search
initiated pre-close, investor-network sourcing, and an interim
fractional-CFO arrangement priced into Year-1 opex.
Confidential — this business plan is provided to prospective investors and lenders for evaluation purposes only and may not be reproduced or distributed without the written consent of Nexora Capital (Pty) Ltd.