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Bernice Affat

Investor

CEO at Social and Sustainable Capital · Chairman at Committed Capital

London, England, United Kingdom

Find your path to Bernice

466 people in our graph share verified history with Bernice — schools, employers, funds. One of them is your warm intro.

Chris MorrisunlockedBernice: together at Lloyds Bank (2008–2016)
Bernice: together at RSM, formerly Baker Tilly
×8Bernice: together at KPMG
×2Bernice: together at University of the Witwatersrand

About

Bernice Affat is Chief Executive Officer at Social and Sustainable Capital LLP (SASC), where she has also served as Chief Investment Officer and Deputy CEO, leading investment and portfolio management activities focused on social housing loans. She has over two decades of experience in financial roles, including senior positions at Lloyds Bank, with expertise in leveraged finance, debt restructuring, corporate finance, and M&A. Her background is grounded in accountancy and finance.

Experience

  1. Social and Sustainable CapitalChief Executive Officercurrent2026 — presentLondon
  2. Social and Sustainable CapitalChief Investment Officer & Deputy Chief Executive Officercurrent2023 — presentLondon, England, United Kingdom
  3. Social and Sustainable CapitalChief Portfolio Management Officer2021 — 2023London, England, United Kingdom
  4. Lloyds Bank Commercial BankingDirector, Corporate & Institutional (CIB) Banking Strategy & Transformation2013 — 2016London, United Kingdom
  5. Lloyds Bank Commercial BankingDirector, Business Support Unit: Specialised Finance (Leveraged Finance & Shipping)2009 — 2013London
  6. Lloyds Bank Commercial BankingAssociate Director, Leveraged Finance2005 — 2009London, United Kingdom
  7. RSM, formerly Baker TillyDirector Corporate Finance, M&A and Private Equity2002 — 2005London, United Kingdom
  8. Ernst & Young LLCAssistant Director - M&A2001 — 2002Luton
  9. Sanlam InvestmentsSenior Manager - Corporate Finance / M&A1999 — 2001Johannesburg, South Africa
  10. Brait CapitalExecutive - M&A1998 — 1999Johannesburg, South Africa
  11. KPMGAssistant Manager - Audit & Corporate Finance1995 — 1998Johannesburg, South Africa

Skills & more

Private CreditCredit Risk ManagementInvestment ManagementInvestor RelationsSocial Housing FinanceImpact InvestingFundraising StrategiesHigh Performance Teamscorporate strategy developmentMergers & Acquisitions (M&A)Long-term Customer RelationshipsBusiness Process Improvement
+12 morePerformance MonitoringCapital DeploymentStrategic CommunicationsCorporate GovernanceMarket AnalysisRisk AssessmentFinancial ReportingRegulatory ComplianceBusiness PlanningFinancial StructuringPortfolio ManagementCredit Risk

Languages Afrikaans · Chinese

  • Chartered Accountant South Africa (ACA) — The South African Institute of Chartered Accountants (SAICA)

From Bernice's professional profile.

Colleagues at Social and Sustainable Capital

Anne McLoughlin
Investment Committee Member at Social and Sustainable Capital
Benjamin Rick
Co-founder and Board Member at Social and Sustainable Capital
Christina McComb
Board Member at Social and Sustainable Capital
Dan Phillips
Investment Director at Social and Sustainable Capital
Deborah Cartwright
Investment Committee Member at Social and Sustainable Capital
Eleanor Leone
Finance and Operations Officer at Social and Sustainable Capital
Hannah Davey
Portfolio Associate Director at Social and Sustainable Capital
James Armes
Portfolio Analyst at Social and Sustainable Capital

Frequently asked questions

Who is Bernice Affat?
Bernice Affat is Chief Executive Officer at Social and Sustainable Capital LLP (SASC), where she has also served as Chief Investment Officer and Deputy CEO, leading investment and portfolio management activities focused on social housing loans. She has over two decades of experience in financial roles, including senior positions at Lloyds Bank, with expertise in leveraged finance, debt restructuring, corporate finance, and M&A. Her background is grounded in accountancy and finance.
Where does Bernice Affat work?
Bernice Affat is CEO at Social and Sustainable Capital.
Where did Bernice Affat go to school?
Bernice Affat studied at University of the Witwatersrand (Bachelor of Accountancy (Hons), Accounting and Finance); University of the Witwatersrand (Bachelor of Commerce (BCom)).

Same school

Shared employers