Expert Financial Advice

Solutions that never miss the aim

Expert Consulting Services

These Consulting Services Include The Following But Not Limited To:


End to end Health Check of outsourced collections and recoveries policies and procedures and making recommendations on global best practices to optimise a Company’s debt recovery capabilities.

Managing outsourced debt collection and recovery functions on behalf of smaller Credit and Service Providers.

Providing assistance to smaller and new External Debt Collecting Agencies to align to the key Operational, Legislative and Compliance requirements of Banks and Retail Companies in order to be successful in future tender processes.

Source potential new debt collecting agencies on behalf of Credit and Service Providing Companies based on their specific standards and requirements

What We Do

We provide expert financial advice for businesses and individuals

About Us

Johan Ras is no stranger to the Financial Services Industry in South Africa. He holds a Bachelor’s degree in Banking from the University of Pretoria and has 22 years’ experience in both Banking and Retail Business.

Johan has spent the last 10 years specialising in Risk Assessment and Outsourced Debt Collection and Recoveries. During this time Johan has headed up the Outsourced Debt Collections and Recoveries Departments of three large Corporate Retail Companies in South Africa which included Woolworths Financial Services, The RCS Group and The Foschini Group.

In these roles, Johan was responsible to provide the operational and strategic direction to maximise the recovery return on all delinquent accounts handed over for Collections and Recoveries to External Debt Collection Agencies.

Prior to holding the above positions; Johan was a consultant at Pic Solutions who back in 2006 was one of the largest customer management solutions companies based in the Southern Hemisphere. Before that Johan spent 11 years in the Banking Industry mainly at Absa Bank and held various positions in the Commercial Banking Sector including Absa Head Office Group Internal Audit where he was involved in the Risk Assessment of International Banking Centres within the Group.

After a successful career in the Corporate World spanning over the last 22 years, Johan has recently started Spinnaker Consulting (Pty) Ltd.

Being very passionate about the Outsourced Debt Collection Industry and its possibilities, Johan now provides consulting services to assist Credit Providing Organisations and External Debt Collecting Agencies to manage their debt collecting activities on a more adequate and effective basis.

Contact Us

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