Christina is not only a leader and mentor in the SME finance space, but also a proud mother and passionate advocate for gender equity in the workplace. From navigating the corporate world as a young woman raised in a traditional community of KwaZulu-Natal, to now leading a dynamic team and developing innovative financial solutions for SMEs. In her role at Merchant Capital, Christina oversees the company’s medical portfolio, where she combines strategic product development with financial oversight to drive growth.
1. Tell us about your upbringing in KwaZulu-Natal and how it shaped your path.
I grew up in a small town on the South Coast called Port Edward. Coming from a loving and supportive home with my parents and siblings, I learned early on that “teamwork truly makes the dream work”. I was an active child, both academically and in extracurricular activities. Throughout primary school, high school, and university, I consistently took on leadership roles, most notably serving as the Commerce Faculty Head at the University of Pretoria (during my undergraduate studies).
At Pietermaritzburg Girls’ High School, I played team sports like hockey and basketball, which further strengthened my belief in the value of collaboration, commitment, and working toward shared goals. In my honours year, I was able to become a tutor for Labour Economics students, which further instilled my ability and passion to serve others.
2. What drew you to the financial services sector, and how did you land at Merchant Capital?
I studied Economics and Business Management, and I’ve always believed that small and medium enterprises (SMEs) are key drivers of economic growth. That belief naturally drew me to the financial sector, as a space where real impact can be made by enabling SMEs to thrive.
Merchant Capital stood out to me because it was founded by entrepreneurs who truly understand the challenges that small businesses face. What also impressed me is how the company is leveraging technology to improve accessibility by offering fast, flexible funding solutions that are often a lifeline for entrepreneurs. It’s inspiring to see a business that is not only innovative but also purpose-driven in supporting SME growth.
3. What’s been a highlight in your role overseeing Merchant Capital’s medical portfolio?
It’s incredibly empowering to see the real-world impact of our work, especially when a doctor shows me how our funding has directly benefited their patients. Whether it’s through purchasing new medical equipment, increasing stock, or improving the quality of care, it’s rewarding to know that we’re playing a part in that positive change in communities across the country. Our business is not just about finance; it’s about driving meaningful growth and impact in communities where it matters the most.
4. What challenges have you faced as a woman in finance, and how did you overcome them?
As a woman in finance, I’ve sometimes experienced the challenges that come with working in a traditionally male-dominated industry. It’s important to consistently demonstrate your expertise and contribute confidently. To navigate this, I’ve focused on continuous learning and preparation, which has helped me build confidence.
I’ve also been fortunate to have mentors and colleagues who support inclusive growth. Over time, I’ve found that respectfully voicing my ideas and collaborating openly create stronger outcomes for everyone. These experiences have deepened my commitment to fostering an environment where all voices are valued and everyone can succeed.
5. How would you describe your leadership style today?
I would describe my leadership style as a blend of Charismatic and Servant Leadership. I believe there’s real power in using influence and positive energy to inspire others, but just as important is helping people grow and reach their full potential. For me, leadership is about creating an environment where people feel motivated, supported, and energised by your presence and purpose.
6. What does real gender equity in the workplace mean to you?
Gender equity is about ensuring the fair treatment of all individuals, regardless of their gender. It goes beyond equality; it’s about recognising and addressing the different challenges people may face and actively working to remove those barriers. I believe this is a topic we often underestimate, and it requires ongoing, open conversations. Gender equity also means being continuously mindful of our own biases and intentionally creating environments where everyone can thrive. Transparency, inclusivity, and accountability are key to making that a reality.
7. What advice would you give young women entering male-dominated industries?
Your perspective is unique, and it has the potential to be powerful. Speak up, and don’t let others speak for you. That’s something I’m still learning every day. And perhaps most importantly, give yourself grace. Growth takes time, and it’s okay not to have it all figured out at once.
8. Can you share a meaningful mentoring experience either as a mentor or mentee?
I’ve had the privilege of being mentored by Dr. Vumi Msweli, a philanthropist and leader whom I deeply admire. She embodies a unique blend of strength, intelligence, and femininity, and carries herself with both pride and grace. As the holder of two doctorates, she’s a living example that there are no limits to what one can achieve.
She’s also a mother and a wife, showing that success can be multidimensional and that there can be balance across family and work obligations. One of the most valuable lessons she’s taught me is that you have the power to create your path and write your own story, as long as you’re willing to do the work. She also emphasised that relationships are key to building a sustainable and fulfilling career.
9. How do you balance your role as a mother and business leader?
Honestly, juggling multiple responsibilities at once is never easy. I believe the most important thing is to keep moving forward while taking care of your mind, body, and spirit. Having a strong support system is also crucial. Not every day will be perfect, but finding ways to stay resilient and keep going is key.
10. Has being a parent changed how you lead or mentor others?
Parents are leaders within their homes and communities. Effective leadership means adapting to the evolving needs of those you serve, which requires agility and responsiveness.
11. What trends in SME finance excite you, especially for women entrepreneurs?
I’m excited to see more women entering the FinTech space. It’s a fast-moving environment where change happens rapidly and growth opportunities are significant. Witnessing increased female participation in the industry is exciting, and I can’t wait to see more of it soon.
12. What message would you like to share this Women’s Month?
Firstly, keep going because you are doing the best you can, and that is good enough. Secondly, when new opportunities arise, be brave, put your hand up, and then prepare yourself. You never know what exciting possibilities might be waiting behind the next door.
