Emmerentia Geldenhuys
Summary
A dynamic and practiced Treasurer and Financial Executive, offering the desired qualifications as well as appropriate experience in the financial sphere. Has a proven ability to streamline business outcomes with across-the-board proficiency within the following business clusters: Design, Execution and Control of Strategies, Systems and Policies | Stakeholder Relations | Organisational Transformation | Financial & Risk Management | Capital Structure | Asset Liability Management (ALM) | Portfolio Management | Treasury Systems | Debt Capital Markets | Corporate Funding | Trading of Global Commodities | Investment Management | Change Management and Reporting | Staff Management, Guidance and Mentoring | Skills Development. Furthermore, possesses a forward-thinking mind-set to build strategic partnerships and focus on stakeholder value.
Overview
2
2
Languages
27
27
years of professional experience
Work History
Assets and Livestock Underwrtiter
Landbank SOC
Sandton
08.2025 - 08.2026
- Analysed financial documents to accurately assess client stability and risk potential.
- Negotiated coverage, policy pricing and service delivery during meetings with customers, agents or brokers.
- Prepared detailed reports on underwriting activities, highlighting areas for improvement.
- Presented and clearly explained insurance policy options based on clients' needs and goals.
- Obtained vital information to specify insurance type and coverage level.
- Explained complex policy details in a non-technical manner.
- Determined level of acceptable risk by reviewing applications for coverage and loss control reports.
- Analysed risk of loss related to catastrophe, possible loss or severity.
- Conducted in-depth client consultations to recommend best-suited products.
- Assessed financial viability of different insurance options for customers.
- Reviewed insurance contracts, checking for accuracy and completeness.
- Monitored and responded to control and exception reports, complying with policy requirements.
- Collaborated with brokers to negotiate terms and facilitate smooth policy issuance.
- Reviewed legal documents to ensure compliance with industry standards and regulations.
- Liaised with actuaries to develop pricing strategies that balance risk and competitiveness.
- Used rating manuals and loss cost data to update systems.
Assets Underwriter
Comply me Consulting ( I sold my company)
Sandton
09.2023 - 05.2025
- Analysed financial documents to accurately assess client stability and risk potential.
- Answered customer questions and concerns regarding insurance policies and coverage.
- Negotiated coverage, policy pricing and service delivery during meetings with customers, agents or brokers.
- Assessed financial viability of different insurance options for customers.
- Monitored and responded to control and exception reports, complying with policy requirements.
- Reviewed insurance contracts, checking for accuracy and completeness.
- Managed a portfolio of corporate clients, maintaining strong relationships and high retention rates.
- Leveraged customers' history, industry and demographic information to calculate renewal rates.
- Ensured proper application of agency policies by reviewing, classifying, coding and rating applications.
- Prepared necessary paperwork required to process insurance sales and renewals.
- Managed risk to determine premium rates by analysing statistical data.
- Developed underwriting guidelines to streamline process and improve efficiency.
- Negotiated terms for insurance contracts to secure best policies.
- Analysed financial and insurance risk, scrutinising information to determine likelihood of reporting a claim.
- Advised existing and prospective clients on different insurance policies.
- Prepared company audits, compiling and fact checking required documentation.
- Utilised statistical analysis to forecast trends in the insurance market and adjust strategies.
Manager
BMW Financial Services
Midrand
06.2018 - 05.2023
- Supply Chain Risk Management
- Leadership and departmental strategy
- Operational Strategy Development & Execution
- Developed strategies for business growth and profit enhancement.
Conducted market analysis to identify growth opportunities.
Implemented financial planning to maximise profitability. - Enhancing Customer Orientation and Upholding Fair Treatment of Customers
- Organisational Competence Development
- Operational and Financial Aid Information System Compliance
- Performance Management & Achieves Results
- Individual Competency Development
- Sales Leadership
- Underwriting Profit Control
- Oversees risk assessment and underwriting intricacies.
- Fosters creativity and innovation within teams.
- Internal and External Stakeholder Collaboration
- Cultivates high-performing, skilled teams.
- Orchestrates and aligns partner strategies to ensure cohesive collaboration.
- Demonstrated financial acumen through effective budget planning and management.
Developed comprehensive financial strategies to ensure fiscal responsibility.
Analysed financial data to inform decision-making processes.
Managing Director Supply Chain Practitioner
Comply Me and Connect Me Financial Services
Sandton
09.2016 - 06.2019
- Company Overview: Comply Connect Me Financial Services, functioning as consulting firm and Financial Services Provider, assists FSPs in identifying risk areas and opportunities while enhancing operational excellence within organisations and investigating insurance business models and applicable regulatory requirements, including operational and financial impacts specific to those business models.
- Facilitated consultation for financial services firms, identifying risk areas and opportunities while enhancing operational excellence within organisations
Manager
Mercedes-Benz Financial Services South-Africa
Centurion
08.2013 - 08.2016
- Exercised leadership capabilities by successfully motivating and inspiring others.
- Fulfil a strategic leadership role in respect of the national insurance business units in South-Africa.
- Communicate and liaise with other International Offices.
- Ensure Mercedes-Benz Financial Services Insurance profitability.
- Manage stable and acceptable loss ratios are achieved for Mercedes-Benz preferred Motor Insurers.
- Client and Stakeholder Management.
- New Business Development and Retention.
- Team Management and Development.
- Functional Responsibilities.
- Budget Financial and Planning.
- Leadership Responsibilities.
- Product Innovation and enhancement.
Cell Captive Insurance Portfolio Manager
Guardrisk Insurance Company
Sandton
01.2012 - 07.2013
- Cell Customer Strategic Direction and Policy.
- Binder Holder Agreements and Management Functions.
- Stakeholder Engagement.
- Team Leadership.
- Corporate Governance Thought Leadership and Reporting.
- Conduct and Ethics Awareness and Learning.
- Develop and implement regulatory standard processes.
- TCF awareness (Treating Customers Fairly).
Technical Underwriting Manager
Marsh & McLennan
Gauteng
01.2011 - 12.2011
- Gathering background information on potential customers from information provided in proposal forms for insurance.
- Using company records to check the current number of in-force policies for similar levels of risk.
- Analysing all relevant data using appropriate software to determine whether the level of risk is acceptable.
- Writing quotes for insurance and determining the premiums payable in collaboration with Insurers.
- Preparing the terms and conditions of insurance policies in collaboration with Insurers.
- Liaising with Insurers or communicating directly with Underwriting Managers.
Intermediary Broker Accounts Executive
Regent Insurance Company
Edenvale
10.2007 - 12.2010
- Building and Maintaining relationships with Imperial Group Companies.
- Cultivating relationships with new Group Companies.
- Portfolio Profitability.
- Formulating sales strategies, and communicating product value to Imperial Group Customers.
- Planning and coordinating account activity and Renewals.
Underwriting Insurance Risk Manager Private Client
Investec Bank -South Africa
Gauteng
11.2002 - 12.2007
- Preparing underwriting survey (risk profile) reports and assisting in the placement of client insurance programs and finance risk.
- Present risk improvements and loss calculations.
- Develop risk improvement recommendations.
- Calculate loss expectancies within company guidelines across a range of industries.
- Undertake risk management audits.
- Perform risk recommendation tracking.
- Provide general advice on improving the risk management maturity.
- Ensure that all reports and other deliverables are prepared and ready in a timely manner.
- Provision of technical support to clients and the broking team across a range of issues relating to good industry practices.
- A clear understanding of the funding that supports finance activities on individual accounts.
- Maintain technical competency in the chosen industry sector and keep up-to-date with risk management developments (e.g. attend seminars, review technical publications, etc.).
- Compliance with all FAIS Regulations.
Call Centre Service Agent Representative
Integrisure Insurance Brokers
Gauteng
03.2001 - 10.2002
- Inbound and Outbound customer calls and provide accurate, satisfactory answers to their queries and concerns.
- De-escalate situations involving dissatisfied customers, offering patient assistance and support.
- Call customers to inform them about the company's new products, services and policies.
- Guide callers through troubleshooting, navigating the company site or using the products or services.
- Review customer or client accounts, providing updates and information about premiums and excesses and amending insurance policies.
- Collaborate with other call center professionals to improve customer service.
- Help to train new employees and inform them about the company's customer management policies.
Call Centre Agent Representative
Standard Bank Of South Africa
Gauteng
01.2000 - 02.2001
- Answering inbound calls.
- Confirm Premium and Policy Terms and Conditions.
- Handling customer complaints and solving their problems.
- Following up on customer calls and queries.
- Making outbound calls on sales campaigns.
- Upselling and cross-selling all products.
- Conducting market research FAIS Regulations.
- Handling and updating customer policies and portfolio.
- Collecting and reporting on customer feedback.
- Training and onboarding new call center agents.
Education
BBA Degree - Strategic Management & Supply Chain practitioner
Regenesys Business School
12-2017
High School Diploma -
Wagpos High School
North-West Province12-1997
Key Individual Regulatory Position RE 1 - Financial Advisory And Intermediary Services Act
Moonstone Business School
Authorised Representative Regulatory RE 5 - Financial Advisory And Intermediary Services Act
Moonstone Business School
National Certificate in Credit Risk Banking - Finance Commercial And Personal
Bank Seta
Further Education Short Term Insurance - Short Term Insurance Commercial Lines And Personal
INSETA
Certificate in Insurance And Risk Management - Short-Term Insurance Risk Commercial And Personal
University Of The Witwatersrand
Call Centre Communication - Insurance And Risk Management
INTEC College
Certificate of Proficiency - Short Term Insurance
Insurance Institute Of South-Africa
Skills
- Ability to work under pressure
- Prioritisation skills
- Analytical skills
- Problem-solving abilities
- Strategic planning
- Commercial Underwriting
- Creativity
- Innovation
- Financial Management
- Management experience
- Policy administration
- Quoting systems
- Interpersonal relationship skills
- Negotiating skills
- Networking skills
- Relationship-building
- Tactical negotiation
- Commercial acumen
- Business acumen
- Supply Chain Practitioner
Accomplishments
- Achieved Nomination for Mercedes-Benz Global Group Asia Africa and Pacific Region
- Achieved the granting of an FSP License
Languages
Afrikaans
English
Custom
Deloitte Women and Diversity in the Automotive Industry
Timeline
Assets and Livestock Underwrtiter
Landbank SOC
08.2025 - 08.2026
Assets Underwriter
Comply me Consulting ( I sold my company)
09.2023 - 05.2025
Manager
BMW Financial Services
06.2018 - 05.2023
Managing Director Supply Chain Practitioner
Comply Me and Connect Me Financial Services
09.2016 - 06.2019
Manager
Mercedes-Benz Financial Services South-Africa
08.2013 - 08.2016
Cell Captive Insurance Portfolio Manager
Guardrisk Insurance Company
01.2012 - 07.2013
Technical Underwriting Manager
Marsh & McLennan
01.2011 - 12.2011
Intermediary Broker Accounts Executive
Regent Insurance Company
10.2007 - 12.2010
Underwriting Insurance Risk Manager Private Client
Investec Bank -South Africa
11.2002 - 12.2007
Call Centre Service Agent Representative
Integrisure Insurance Brokers
03.2001 - 10.2002
Call Centre Agent Representative
Standard Bank Of South Africa
01.2000 - 02.2001
BBA Degree - Strategic Management & Supply Chain practitioner
Regenesys Business School
High School Diploma -
Wagpos High School
Key Individual Regulatory Position RE 1 - Financial Advisory And Intermediary Services Act
Moonstone Business School
Authorised Representative Regulatory RE 5 - Financial Advisory And Intermediary Services Act
Moonstone Business School
National Certificate in Credit Risk Banking - Finance Commercial And Personal
Bank Seta
Further Education Short Term Insurance - Short Term Insurance Commercial Lines And Personal
INSETA
Certificate in Insurance And Risk Management - Short-Term Insurance Risk Commercial And Personal
University Of The Witwatersrand
Call Centre Communication - Insurance And Risk Management
INTEC College
Certificate of Proficiency - Short Term Insurance
Insurance Institute Of South-Africa