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Introduction to the team


Thabo Dloti

Managing Director

I have spent more than 25 years working in and leading insurance and asset management businesses in South Africa. I have been involved and have led the development of industry leading products, new business models and the turnaround of two large asset management businesses.

My second passion to making the magic of financial freedom accessible to all is running. I have run 7 Two Oceans Ultra Marathons and 7 Comrades Marathons.


Khaya Ntozini


I have 25 years’ experience in financial services spanning finance, operations, distribution and leading an emerging market insurance company as part of a listed group. I have led the development of the most productive salaried sales force in South Africa - from 800 advisers to a formidable channel of 4500 advisors.

My second passion is listening to jazz and cheering my daughter in her rowing regattas.


Thembalihle Baloyi


With more than 21 years of professional work experience, I have 17 years in the financial services sector leading product creation and business processes design. I led the founding of the fastest growing short-term insurance company in South Africa which we launched in 2011.

My other passions include a love for education and long-distance running. I fulfil my love for education by reading on complex issues and also deliver keynote lectures and addresses on innovation and leadership experiences.

I am a committed long distance runner who will be celebrating 30 years of consistent running in November 2019. I am a Comrades Marathon veteran with more than 400 days active running streak.


Varusha Daljee


I am a seasoned actuary with 20 years’ experience in consulting, product development, portfolio management, regulation and reinsurance. Through my work experience I have gained a combination of actuarial skills and business knowledge and consulted to various Fintech start-ups and other successful entrepreneurial ventures in financial services in the South African market.

Whilst I have a passion for life, food, wine and anything that gets the adrenalin going, I pride myself on breaking the stereotypical mould – be that hardcore feminist, doing the odd triathlon or simply scooting around Cape Town.


Rayna Dolphin

Principal (Operations)

I am an experienced finance professional and chartered account. My 15 years’ experience has been in managing and leading diverse teams both locally and internationally in professional services firms, specifically in financial services, and multinational organisations.

I enjoy travelling, embracing different cultures and continuously learning. I particularly enjoy getting to know people from different backgrounds, to learn to appreciate their perspectives, and expand knowledge of people and the world.