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Nkuli Kubheka is an experienced professional in the fields of underwriting and portfolio management, currently serving as a Portfolio Manager and Underwriter at Lombard Insurance Company Ltd since April 2022. Previously, Nkuli held the position of Senior Underwriter and Underwriter at Credit Guarantee from September 2014 to March 2022, where responsibilities included managing trade credit analysts and underwriting SMME portfolios. Nkuli has also established and managed a scholar transport venture as a Director at Olnomak Transport Solutions (Pty) Ltd, and worked as an Underwriter for Credit Guarantee Insurance Corporation and a Credit Analyst at Nedbank Limited. Academic qualifications include a Post Graduate Diploma in Business Administration from Wits Business School, a Bachelor's degree in Financial Management from the University of South Africa, and a National Diploma in Accounting from the University of Johannesburg.