Oaitse Emmanuel Khiba · Senior Asset Finance Professional
Senior Asset Finance Professional

Oaitse
Khiba

Also known as Wazo

Banking Specialist · Portfolio & Pipeline Leader · Business Manager

Sandton, Johannesburg, Gauteng
082 459 1148
[email protected]
Get in Touch View Experience
20+
Years of Experience
153%
Peak Target Achievement
10
Staff at Wazoo Logistix
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01 · Professional Summary

An experienced Business Manager and Banking & Asset Finance Professional with more than 20 years of expertise spanning banking, vehicle and commercial asset finance, sales leadership, credit structuring, and entrepreneurship. Proven track record of driving portfolio growth, structuring tailored credit solutions, and leading high-performing sales teams that consistently exceed business objectives. Founded and continue to manage Wazoo Logistix — a logistics business operating across four provinces with 10 employees and a fleet of 10 vehicles. RE5 qualified with comprehensive knowledge of FAIS, FICA, NCA, POPIA, KYC, and IDA licensing.

02 · Core Competencies
F&I Management
Regulatory Compliance
Sales Leadership
Dealer Relations
Business Development
Team Coaching & Training
Profit Optimization
Strategic Planning
Stakeholder Management
Commercial Asset Finance (CAF)
Credit Structuring & Risk Assessment
Pipeline & Portfolio Management
Logistics & Fleet Operations
Entrepreneurship & Business Ownership
03 · Professional Experience
Feb 2025 – Present
Gin Resources
Gauteng / Zimbabwe
Regional Managing Director
Current Role
  • Lead commercial asset finance (CAF) solutioning across mining, construction, and agriculture sectors in southern and central Africa
  • Originate and structure large-ticket asset finance deals, managing the full credit lifecycle from application through disbursement
  • Build and maintain strategic relationships with mining houses, equipment dealers, and development finance institutions
  • Conduct macroeconomic and industry intelligence analysis to identify new market opportunities and mitigate portfolio risk
  • Drive pipeline growth through proactive business development, delivering tailored credit solutions to underserved markets
Feb 2024 – Jan 2025
Auto Net
Western Cape
Business Manager (F&I)
1 Year
  • Manage F&I operations licensed under IDA, ensuring full compliance with FAIS, FIC, POPI, and NCA legislation
  • Lead dedicated sales team to achieve prescribed targets while maximizing second gross profit through value-added product sales
  • Conduct comprehensive client due diligence and provide expert insurance product advice, balancing profitability with customer protection
  • Deliver monthly and weekly departmental income, expense, and sales reporting to senior leadership
  • Provide ongoing sales training, product education, and customer service excellence initiatives to enhance team performance
Jul 2019 – Jan 2024
Innovation Group
Western Cape
Dealer Relationship Manager
4.5 Years
  • Grew and defended profitable market share by originating new business opportunities and meeting predetermined sales targets
  • Managed portfolio of client-focused dealers with emphasis on product sales, customer retention, and comprehensive sales training
  • Served as key point of contact between organization and clients, answering queries and promoting Innovation Group products
  • Built and maintained robust relationships with internal and external stakeholders, ensuring customer service excellence
Best Regional Dealer Sales Team Award — 2022
2017 – 2019
ABSA Vehicle & Asset Finance
Eastern Cape
Sales Support Manager
2 Years
  • Successfully managed entire Eastern Cape region, providing leadership, coaching, and daily mentoring to exceed sales commitments
  • Conducted comprehensive needs analysis across clusters, identifying market opportunities and communicating findings to stakeholders
  • Responsible for training, pricing strategy, and structuring regional budget projections for short and long-term planning
  • Managed process changes, system implementations, and staff upskilling to ensure seamless operational transitions
  • Collaborated closely with Credit managers and Production Centre to retain clients and onboard new business efficiently
Apr 2012 – Oct 2017
ABSA Vehicle & Asset Finance
Sandton, Johannesburg
Business Development Officer
5.5 Years
  • Managed comprehensive dealer portfolio to achieve sales production, increase market share, and drive profitability targets
  • Established and nurtured relationships with new dealers while executing strategic client and dealer visitation programs
  • Facilitated orientation programs and contracted sales targets with business managers and dealer principals
  • Enhanced ABSA brand visibility through strategic placement of promotional materials and regular performance analysis meetings
Best Performing BDO — 153% of Target Achievement (2015)
Jul 2008 – Mar 2012
ABSA Bank Retail
Sandton, Johannesburg
Sales Consultant
3.5 Years
  • Conducted thorough customer needs analysis to provide appropriate banking advice and product solutions
  • Served as single point of reference for customer onboarding and end-to-end sales fulfillment
  • Ensured strict compliance with FAIS, FICA, and NCA requirements in all customer interactions and transactions
  • Led customer-centric culture, driving satisfaction, loyalty, and efficient complaint resolution
Entrepreneurial Venture 2021 – Present
Wazoo Logistix
Founder & Managing Director · Logistics & Last-Mile Delivery
  • ▸ Founded and continue to operate a logistics business delivering parcels across four provinces
  • ▸ Fleet of 10 vehicles managed across multiple operational hubs
  • ▸ 10-person team with full HR, compliance, and performance management oversight
  • ▸ Contracted service provider for DPD Laser and Cape Couriers
04 · Awards & Recognition
2022
Best Regional Dealer Sales Team
Innovation Group
★
2015
Best Performing Business Development Officer
ABSA Vehicle & Asset Finance · 153% of Target
★
05 · Education & Certifications
Postgraduate Diploma in Business Management
MANCOSA  ·  NQF 8
In Progress
Advanced Diploma in Business Management
MANCOSA  ·  NQF 7
2023
Advanced Certificate in Banking
Milpark Education  ·  NQF 6
2020
First Level Regulatory Examination (FAIS Compliance)
Regulatory Certification
2012
Banking Service Advice
Milpark Education  ·  NQF 5
2008
06 · Technical Skills
Microsoft Office Suite
Excel, Word, PowerPoint — Advanced proficiency
Banking & Finance Systems
COR, E2E — Expert user across platforms
Regulatory Compliance
FAIS · FICA · POPI · NCA · IDA Licensing
07 · Professional Profile
A forward-thinking
financial services leader.

Proven ability to navigate complex environments while delivering measurable commercial outcomes.

Build and lead high-performing teams in competitive financial services environments
Navigate complex regulatory frameworks while driving business growth and profitability
Develop strategic partnerships that deliver sustainable revenue and market share expansion
Balance customer protection with commercial objectives through value-added product expertise
Adapt quickly to changing market conditions and implement innovative solutions to business challenges
08 · Let's Connect

Ready to drive results
together?

With 17 years of financial services expertise and a proven track record of exceeding targets, let's explore how I can add value to your organisation.

082 459 1148
[email protected]
Sandton, Johannesburg
Send Email Call Now
Oaitse Emmanuel Khiba
References Available Upon Request