Karabo Seima joined Momentum Asset Management in 2022 and has recently been promoted to head of credit. Her career spans two years in corporate credit analysis, seven years in investment banking and 10 years in investment management. Previously, she was the Senior Credit Portfolio Manager for shareholder investment portfolio of another leading South African life insurance company. Karabo has always been intrigued by the flow of money and how all parts of an economy are interconnected. Her core investment belief is that financial institutions should always consider how they create a social dividend for the people whose money they hold.