Santam Executive and Leadership Team

Wikus Olivier, the Director, Finance & Chief Financial Officer at Santam, manages the fiscal health and capital allocation strategies for the diversified short-term insurance group. Overseeing financial reporting, treasury functions, and investor relations, the Director, Finance & Chief Financial Officer ensures compliance with JSE regulatory standards while optimizing the balance sheet for long-term stability. Wikus Olivier directs the financial planning processes that support the expansion of insurance interests into markets like Malawi, Tanzania, and Uganda. By evaluating the profitability of various product lines, including liability and catastrophe coverage, the Director, Finance & Chief Financial Officer provides the necessary insights for strategic decision-making at the board level. This leadership role involves coordinating with the parent company, Sanlam Limited, to ensure alignment on capital management. Through disciplined financial oversight, the Director, Finance & Chief Financial Officer secures the resources required to sustain the company's market-leading position.

Judith Groenewald, the Interim Chief Financial Officer, Head Information Technology At Santam Insurance Santam Shared Service Division at Santam, executes a dual mandate focused on financial oversight and shared service technology optimization. Overseeing the consolidation of administrative functions, the Interim Chief Financial Officer, Head Information Technology At Santam Insurance Santam Shared Service Division ensures that internal processes remain cost-effective and scalable. Judith Groenewald directs the implementation of shared service platforms that support the diverse needs of the group's subsidiaries, including Centriq. By streamlining the intersection of financial reporting and IT service delivery, the Interim Chief Financial Officer, Head Information Technology At Santam Insurance Santam Shared Service Division improves operational agility across the organization. This leadership role involves managing the transition of internal systems to support broader corporate objectives. Through the integration of shared service technology, the Interim Chief Financial Officer, Head Information Technology At Santam Insurance Santam Shared Service Division drives efficiency gains that directly impact the bottom line.

Yolisa Munetsi, the Chief Financial Officer, Client Solutions at Santam, directs the financial strategy specifically tailored to the client solutions division. Overseeing the revenue modeling and cost management for specialized insurance offerings, the Chief Financial Officer, Client Solutions ensures that product pricing remains competitive while maintaining healthy margins. Yolisa Munetsi drives the financial analysis required to develop inclusive insurance solutions that address the needs of diverse customer segments. By monitoring the performance of client-facing initiatives, the Chief Financial Officer, Client Solutions provides actionable data to the leadership team regarding market penetration and product viability. This leadership role involves collaborating with sales and product development teams to align financial targets with customer-centric goals. Through rigorous financial planning, the Chief Financial Officer, Client Solutions supports the company's objective of expanding its footprint in the personal and commercial insurance sectors. The focus remains on delivering sustainable value through innovative client-focused financial strategies.

Welma Grobler, the Chief Operating Officer SBS at Santam, manages the operational execution of the business support services division. Overseeing the delivery of critical infrastructure and administrative support, the Chief Operating Officer SBS ensures that all internal departments function in alignment with the company's broader insurance objectives. Welma Grobler directs the optimization of workflows that support the distribution of personal and commercial insurance products. By refining the operational processes within the SBS division, the Chief Operating Officer SBS enhances the overall service quality provided to broker networks. This leadership role involves coordinating with other C-suite leaders to ensure that operational capacity matches the company's growth targets in the South African market. Through the implementation of standardized procedures, the Chief Operating Officer SBS drives productivity and reduces operational risk. The focus remains on maintaining high performance across all support functions to facilitate the company's mission of narrowing the risk protection gap.

Tinyiko Ribisi-Termark, the Chief Operating Officer (Santam Re & International) at Santam, directs the operational activities for the reinsurance and international business segments. Overseeing the expansion into new geographic markets and the launch of the London-based syndicate, the Chief Operating Officer (Santam Re & International) ensures that international operations adhere to global regulatory standards. Tinyiko Ribisi-Termark drives the operational integration of insurance interests across Malawi, Tanzania, Uganda, Zambia, and Zimbabwe. By managing the complexities of cross-border insurance services, the Chief Operating Officer (Santam Re & International) facilitates the company's international growth strategy. This leadership role involves coordinating with international partners and regulatory bodies to ensure seamless service delivery. Through the optimization of reinsurance processes, the Chief Operating Officer (Santam Re & International) enhances the company's capacity to manage large-scale risks on a global scale. The focus remains on scaling operations to support the company's vision of a broader international presence.

Christoff Brink, the Chief Operating Officer & Solutions Specialist at Santam, manages the operational execution of specialized insurance solutions. Overseeing the development and delivery of niche coverage products, the Chief Operating Officer & Solutions Specialist ensures that the company meets the unique requirements of corporate and agricultural clients. Christoff Brink directs the operational teams responsible for implementing tailored risk management solutions that address specific client needs. By acting as a solutions specialist, the Chief Operating Officer & Solutions Specialist bridges the gap between complex risk assessment and practical insurance product delivery. This leadership role involves collaborating with underwriting and sales teams to refine the service offering for high-value accounts. Through the continuous improvement of operational processes, the Chief Operating Officer & Solutions Specialist drives efficiency and client satisfaction. The focus remains on delivering high-quality, specialized insurance solutions that reinforce the company's reputation as a leader in the general insurance market.

Sam Nkosi, the Group Chief Information Officer at Santam, directs the digital transformation agenda for the largest general insurer in South Africa. Overseeing the integration of advanced data analytics and cybersecurity frameworks, the Group Chief Information Officer ensures that all technological infrastructure supports the complex requirements of property, motor, and engineering insurance products. Sam Nkosi drives the modernization of legacy systems to improve operational efficiency across broker networks and direct sales channels. By aligning digital capabilities with the broader corporate strategy, the Group Chief Information Officer facilitates seamless data flow between subsidiaries like MiWay and the core business. This leadership role involves managing large-scale IT investments that bolster the company's competitive position in the JSE-listed insurance market. Through rigorous oversight of digital assets, the Group Chief Information Officer maintains the integrity and security of client information across all regional operations.

Keaobaka Morare, the Head Chief Information Officer, Information Technology Strategy & Enterprise Architecture, Office of at Santam, architects the long-term technological roadmap and enterprise architecture for the group. Overseeing the design of scalable systems, the Head Chief Information Officer, Information Technology Strategy & Enterprise Architecture, Office of ensures that the company's IT landscape supports complex insurance operations, including reinsurance and catastrophe modeling. Keaobaka Morare directs the strategic planning for future-ready infrastructure that enables the company to adapt to evolving market demands. By establishing robust enterprise architecture standards, the Head Chief Information Officer, Information Technology Strategy & Enterprise Architecture, Office of facilitates the integration of new digital tools across all business units. This leadership role involves guiding the organization through the complexities of technological change to maintain a competitive edge. Through the development of a cohesive IT strategy, the Head Chief Information Officer, Information Technology Strategy & Enterprise Architecture, Office of drives innovation that supports the company's international growth ambitions.