Our vision and mission are dedicated to innovation, 'thought-leadership' and excellence in the provision of world-class Credit Solutions for consumer credit grantors. We are committed to contributing to the strength of the South African economy through our vision, passion, creativity, and well-directed hard work. Pholosa's payoff line 'Know Risk. Know Return' could be rephrased as 'If you understand the risks, you can ensure that your anticipated return is appropriate'. What does this mean, and how does it really work?Pholosa Asset Management (Pty) Ltd, or Pholosa, is a BEE South African company, embracing the challenges and opportunities of South Africa in its products and services, its culture and its corporate structure. Pholosa is owned and operated by South Africans committed to contributing to the strength of the South African economy through passion and innovation. Pholosa provides Credit Solutions to consumer credit grantors. Pholosa's Financial Solutions are like nothing else ever previously available to consumer credit grantors. They not only set new standards, they create new thinking. Pholosa's in-depth experience, skills, systems and expertise have been developed over the past 12 years and several millions of credit matters. Sophisticated solutions, technologies and methodologies enable Pholosa's clients to convert previous unpredictability in the financial performance of credit assets into future certainty. Pholosa's methodologies have been tested, applied, improved, redeveloped and finely-honed to deliver in practice the highest levels of financial performance from credit assets for Pholosa's well-satisfied clients.Pholosa understands that quality of service depends on both innovative thinking and rigorous application of best practices. Our clients benefit from our passion and our commitment to both.Pholosa provides Credit Solutions to consumer credit grantors. Pholosa is acutely aware of the importance of Brand Equity combined with the implications of Corporate Reputation for all leading organizations. These are valuable and precious assets, to be protected and nurtured with great care and integrity. These imperatives are built into all Pholosa’s strategies, objectives and operational activities. This is what Pholosa holds to be at the very core of real business partnership with its clients. Pholosa’s in-depth experience, skills, systems and expertise have been developed over the past 12 years and several millions of credit matters. Sophisticated solutions, technologies and methodologies enable Pholosa’s clients to convert previous unpredictability in the financial performance of credit assets into future certainty. Pholosa’s methodologies, however, go far beyond the theoretical. They have been tested, applied, improved, redeveloped and fine