Jaco has over 20 years of Credit Risk, Operational and Executive management experience, gained in the consumer finance, banking, collections and consultancy sectors in South Africa, Africa and the Middle East. His experience covers an array of consumer credit products, including personal loans, credit cards, private label cards, home loans & vehicle and asset finance. In 2008 Jaco graduated from the University of Pretoria (Business School – Gordon Institute of Business (GIBS) with an MBA (Master of Business Administration). In 2011 Jaco was one of the founding members of Retail Capital Pty Ltd, now one of the largest B2B / Unsecured / Cash Advance businesses in South Africa / Africa. In 2017 Jaco relocated to Australia to be part of the team who established Beyond Merchant Capital Pty Ltd – One of the leading B2B / Unsecured / Cash Advance businesses in Australia.