Creditcare is Pivotal

We are here to transform the way people access credit and help millions of people take control of their finances and save for the future.

Our leaders share a vision of expanding financial opportunities for all through responsible innovation. With our comprehensive distribution partners and enterprise clients, we move the needle for millions of consumers in key emerging economies. Our diverse and skilled teams work continuously to deliver quality products that change stagnant country markets and noticeably improve financial lives.

Julia G.Ko
Julia G.Ko Founder
Simon ClaringboldCEO
Simon is a global senior executive and a visionary with an innate ability to project market needs, and a successful track record of implementing multidimensional Go-to-market strategies resulting in, extended market penetration, revenue growth and customer satisfaction.
Simon has a passion and drive to lead, develop and collaborate with cross-cultural teams to deliver quality business outcomes. As Senior Vice President, Avaya Frankfurt & London, EMEA, Simon was responsible for P&L and delivered annual sales of $379m USD, averaging 19% YOY growth. More recently, as EVP, Convergys, APAC, Simon was responsible for 3500 employees and $150m in revenue. His leadership experience spans digital technologies, big data analytics, robotic process automation, mobile fintech solutions and outsourcing. In his spare time, Simon spends time with family, golfing and skiing.
Alex Dulka
Alex DulkaGeneral Manager, APAC
Alex is a senior manager responsible for supporting partner accounts across markets, risk management and financial compliance.
He possesses a wide breadth of experience in start-ups, financial services, business development, retail banking and consumer finance. As Special Projects Lead, at Home Credit, he oversaw 150+ people with 10 direct reports and led risk transformation projects using big data, AI to standardize, streamline and manage the credit process.
Denise Williams
Denise WilliamsCountry Manager, Nigeria
As Country Manager, Denise is responsible for large scale distribution and name brand Nigerian partners. She also oversees customer acquisition, product life cycle, operations and profitability for the Nigerian market.

Denise’s professional career evolved from managing teams in the healthcare sector at Kaiser Permanente, Gilead Science, Abbott Labs, and California Department of Public Health to co-founding the Silicon Valley- Nigerian Economic Development Inc and advancing cross border technology deals. Denise received her BS, UC Riverside and MBA, Golden Gate University, San Francisco. She serves on the board of SV-NED Inc, Global Connection for Women Foundation, Sky Clinic Connect and Numly. In her spare time, she is a bestselling Author of Akiti the Hunter, the 1st African Action Superhero.