Pamela Lulama Nqini
Johannesburg
Summary
Strategic Consultant with expertise in facilitating stakeholder connections and originating investment deals. Specialises in preparing comprehensive investment appraisals, ensuring compliance with sector regulations, and managing financier requirements. Skilled in negotiating and closing financing arrangements, reviewing legal agreements for risk management, and developing market intervention strategies to enhance investment in affordable housing in Africa.
Overview
9
9
years of professional experience
Work History
Executive Consultant – Enterprise Development
Family Tree Holdings (Pty) Ltd
01.2023 - Current
- Programme design and execution management of enterprise development for SMMEs with the South African township economy.
- Manage the Kasi Mnotho Fund team (SMME Fund) designed to provide working capital support for township-based enterprises.
- Resolved complex problems by identifying root causes and implementing effective solutions.
- Evaluated team performance regularly, providing constructive feedback and coaching for continuous improvement.
- Supported teams during implementations and produced clear instructions outlining changes.
- Implemented innovative methodologies for process improvement, resulting in increased efficiency and productivity.
- Wrote new manuals, definitions and SOPs guiding individual job titles on expectations and processes.
- Provided analytical support for new product development and programme implementation.
- Analysed market trends and client requirements to recommend tailored solutions that drive growth.
- Cultivated relationships with state agencies, private sector organisations and interest groups to enhance collaboration and support for initiatives.
- Oversaw financial management of projects, including budgeting, forecasting, and expense control.
- Presented complex findings and recommendations to executive boards, shaping key strategic decisions.
- Authored detailed reports and white papers on industry trends and challenges, establishing thought leadership.
- Prepared and delivered executive-level business proposals and presentations.
Finance Consultant – PPP Model
Concost (for Sefako Makgatho University)
06.2022 - Current
- Participation as a PPP – finance model expert using PSC (Public Sector Comparator) model for assessment of project viability and affordability.
- Assessment of the university financial capacity to manage the delivery of the project, in a cost-effective manner that could result in affordable quality development.
- Preparation of report presenting the suitable options, based on the assessed outcomes.
- Engagement with the Government Treasury Technical (GTAC) team to assess the state of readiness before EOI is published.
Managing Director
Sited Holdings (Pty) Ltd
01.2020 - Current
- Independent consulting, Provide specialist support by facilitating and connecting key players and stakeholders in the industry- deal originating, preparation of investment appraisals for investors and financiers, which include the investment case, pre-investment data for compliance with sector regulations, cash flow analysis, IRR, ROI and ROE.
- Coordinated negotiations and facilitated closing of financing during engagement term.
- This includes reviewing all proposals from potential financiers and investors, as well as reviewing of the transaction documentation and other closing activities.
- Oversaw compliance with financier requirements outlined in the Letter of Intent.
- Reviewed legal agreements to identify and mitigate risks associated with developments.
- Cultivated relationships with stakeholders to strengthen collaboration and improve communication outcomes.
- Develop market intervention strategies for affordable housing development and for end-user financing.
- Perform market engagement with long-term and impact investors to promote increased investment in affordable housing in Africa.
Executive Consultant – Projects Finance
ALSA (Affordable Living Solutions Africa)
Johannesburg
01.2025 - 12.2025
- Financial restructuring proposal for the current pilot 400 units project in Soweto-Johannesburg, to achieve affordability for homeowners.
- Assessment of small-scale developer project feasibilities for socio-economic impact, alternative energy affordable solutions, financial structuring and fund raising using blended finance structure to achieve affordability for the low-income market and first-time homeowners.
- Facilitated workshops and training sessions to upskill team members and improve service delivery.
Sector -Lead
IFC World Bank (LFS Consulting - Germany)
06.2022 - 01.2023
- Pre-feasibility study for Housing Microfinance Tanzania - Sample selection of suitable Financial Institutions to be interviewed under scope of work.
- Conduct Interviews with executive management, credit and loan officers of Financial Institutions – assessing the capacity and willingness of FI to introduce HMF lending product including CTA in Dar es Salaam/ Pwani region.
- Conduct a review of Tanzanian legal and regulatory framework related to microfinance to identify any issues that might hinder the development of HMF.
- Assess the current market conditions and experiences in HMF lending in Tanzania (during the interviews and via desk research).
- Draft report and presentation on the findings of the Tanzanian legal and regulatory framework related to microfinance.
Sector Expert
IFC World Bank (MAS-READ Programme)
06.2022 - 01.2023
- Collaborated as real estate development expert in Southern Africa to assess tools for testing developer proficiency and design capacity prior to funding decisions.
- Evaluated assessment tool through review of project appraisals, annual business reports, and financial statements from real estate infrastructure project promoters.
- Review and provide comments on the effectiveness of the tool and the recommendations.
- Compiled report using developed assessment tool, offering targeted recommendations for further training opportunities.
Project Director
HDFC (Housing Development and Finance Consultants –Kenya)
12.2020 - 01.2021
- Developing a strategy for Kenya for. Produce concepts for the incremental housing finance.
- Cost benefits analysis of various approaches for financing housing opportunities.
Project Lead
South African Housing and Infrastructure Fund
07.2020 - 01.2021
- Led market research strategies on affordable housing value chain in South Africa to facilitate sector engagement.
- Identified rapid land release opportunities for accelerated delivery of affordable housing through incremental building approaches.
- Developed market positioning strategy to enhance understanding of affordable housing value chain.
Head of Market Development
Center for Affordable Housing Finance
06.2018 - 12.2019
- Developed annual strategy for department, driving implementation and contributing to organisational strategy and institutional development.
- Facilitated increased investment in affordable housing in Africa by connecting key players and stakeholders, acting as catalyst to bring together investors, lenders, and developers.
Real Estate Manager
Summit Africa (Private Equity)
Johannesburg
07.2017 - 05.2018
- Developed investment committee papers for pre-approval at deal forums, ensuring alignment with strategic investment objectives.
- Prepare financial models for project funding of hospitals, schools and affordable housing developments.
- Solicit competitive rate pricing for leveraged financing for the social infrastructure projects.
- Sourced competitive rate pricing for leveraged financing on social infrastructure projects, optimising funding conditions.
- Reviewed legal agreements from external counsel, ensuring appropriate risk allocation among all stakeholders involved in projects.
- Preparation of investment committee papers for pre-approval at deal forums.
Education
Certificate of Higher Education - International Housing Finance
University of Pennsylvania
Philadelphia, USA 01-2016
Master of Arts - International Development Management
University of Westminster
London, UK01-2016
Certificate of Higher Education - Introduction to Commercial Property Programme
University of Witwatersrand
Johannesburg, South Africa01-2012
Certificate of Higher Education - Essential Commercial Property Programme
University of Witwatersrand
Johannesburg, South Africa01-2012
Certificate of Higher Education - Investment Analysis and Portfolio Management
University of South Africa
Pretoria, South Africa01-2011
Bachelor of Business Administration - BTech Degree - Financial Information Systems
Cape Peninsula University of Technology
Cape Town, South Africa01-2007
A-Levels - Senior Certificate
Gardens Commercial High School
Cape Town, South Africa01-2001
A-Levels - Small Business Management and Entrepreneurship
Cape College
Cape Town, South Africa01-2001
Skills
- Project management
- Strategic planning
- Financial analysis
- Investment appraisal
- Change management
- Stakeholder engagement
- Executive decision-making
- Global perspective
- Organisational awareness
- Leadership proficiency
- Team leadership
- Critical-thinking
Achievements
Standard Bank - Foundation Leadership Programme Candidate
Toastmasters International - Public Speaking and Leadership
Prince 2 - Project Management
Timeline
Executive Consultant – Projects Finance
ALSA (Affordable Living Solutions Africa)
01.2025 - 12.2025
Executive Consultant – Enterprise Development
Family Tree Holdings (Pty) Ltd
01.2023 - Current
Finance Consultant – PPP Model
Concost (for Sefako Makgatho University)
06.2022 - Current
Sector -Lead
IFC World Bank (LFS Consulting - Germany)
06.2022 - 01.2023
Sector Expert
IFC World Bank (MAS-READ Programme)
06.2022 - 01.2023
Project Director
HDFC (Housing Development and Finance Consultants –Kenya)
12.2020 - 01.2021
Project Lead
South African Housing and Infrastructure Fund
07.2020 - 01.2021
Managing Director
Sited Holdings (Pty) Ltd
01.2020 - Current
Head of Market Development
Center for Affordable Housing Finance
06.2018 - 12.2019
Real Estate Manager
Summit Africa (Private Equity)
07.2017 - 05.2018
Certificate of Higher Education - International Housing Finance
University of Pennsylvania
Master of Arts - International Development Management
University of Westminster
Certificate of Higher Education - Introduction to Commercial Property Programme
University of Witwatersrand
Certificate of Higher Education - Essential Commercial Property Programme
University of Witwatersrand
Certificate of Higher Education - Investment Analysis and Portfolio Management
University of South Africa
Bachelor of Business Administration - BTech Degree - Financial Information Systems
Cape Peninsula University of Technology
A-Levels - Senior Certificate
Gardens Commercial High School
A-Levels - Small Business Management and Entrepreneurship
Cape College