Our service offering includes the following:


  • Processing of received applications
  • Credit Assessment via pre-approved credit scorecard rules
  • Recommendation on credit decision: Approve or Decline
  • Verification of information supplied by applicant
  • Preparation of documents for signature by applicant
  • Pay-out of funds to the appropriate party with the option to utilise G-Pay to pro-actively manage and control the distribution of funds

Account Management

  • Account activation on debtor management system
  • Monitoring of agreement payment terms
  • Receipting of instalments
  • Interest and fee calculations
  • Attending to refunds
  • Issuing and receipting of settlements
  • Allocation of workflows
  • Cost allocations
  • Attending to general queries and customer information updates
  • Sending of statements and/or invoices
  • Monitoring of loan book performance

Customer Debt Management

  • Early stage arrear collections: Call centre contact with the view to rehabilitate the account based on a collection strategy.
  • Late stage arrear collections: Efforts to rehabilitate late stage arrear accounts via our pre-legal agents and external rehabilitation agents.
  • Legal action: Managing the legal process if rehabilitation attempts are unsuccessful.
  • Administering accounts with amended payment plans: Following required processes on "abnormal" accounts.
  • Management of assets: Attending to the repossession, management and disposal of assets.
  • Collection of shortfalls: Dealing with accounts post realisation of assets via the in-house legal team.


  • Preparation and distribution of daily and/or weekly reports, which can include ageing reports, bank statement summaries, portfolio analysis, etc.
  • Preparation and distribution of monthly management reports indicating portfolio and customer debt management performance.
  • Statutory reporting to third parties such as credit bureau and NCR if applicable.
  • All reporting is flexible and can be tailored to suit individual client requirements.

Standby Servicing

  • As a result of our servicer rating by Global Credit Ratings (GCR) and our well-established infrastructure, we have been approached by numerous entities to act as a standby servicer.
  • In the case of securitisations, where we are the standby servicer, we step in and take over the loan administration function when called to do so for a wide range of industries.

Support Functions

  • Monthly finance comprising accounting up to trial balance level and cash management
  • Assistance with the preparation of annual financial statements
  • Co-operation with client auditors during annual audit
  • Assistance with company secretarial work.


Montsi Investments

  • 100% black-owned and managed family investment company founded in 1990.
  • Has a hands-on, entrepreneurial approach, operating in Southern and West Africa.
  • Current investments include companies in quarrying, mining services and ship-building.
Mettle Credit Services

Mettle Investments

  • JSE-listed holding company.
  • Known for innovation in the creation of specialised financial solutions.
  • Holds investments in specialised lending businesses operating in South Africa and the United Kingdom.

Mettle Credit Services is a level 2 B-BBEE contributor.

The Board

Mettle Credit Services Arthur Crook

Arthur Crook
Chief Executive Officer (CEO)

He has had extensive experience in the credit industry, 36 years in total. He joined Mettle in 2007 after having spent 26 years with Standard Bank where he held various positions including head of credit granting for the Cape region and head of customer debt management for the Coastal region.

Mettle Credit Services Yolandi de Ridder

Yolandi de Ridder
Chief Operations Officer (COO)

She qualified as a chartered accountant in 2004. She completed her articles and worked as an audit manager at Greenwoods before joining Mettle as a financial manger in 2006. She has managed and overseen the migration of various debtor books to the Mettle platform.

Mettle Credit Services Sam Montsi

Sam Montsi
Non-Executive Director

He is chairman of Montsi Investments which he founded in 1990. He was previously General Manager of the South African Breweries and he served on the board of Sasol for 11 years. He now serves on the boards of various businesses where Montsi Investments is involved.

Mettle Credit Services Sefali Montsi

Sefale Montsi
Non-Executive Director

Joined People’s Bank to work in their joint venture with Capital One where she worked in risk, operations and credit policy development. She joined Montsi Investments in 2008 supporting strategy and business development in companies across a range of industries.

Our staff are highly experienced and collectively have in excess of 240 years asset-finance experience. Our people are our most valuable assets.

Current & Former Clients