Our Team – Our Tribe
The Afford Senior Management Team have a wide and varied operational and strategic skillset.

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Their collaboration as a dynamic unit has lead to exciting progress for Afford, and continues to excite as we move confidently toward full roll-out of the NDIS.

Afford Chiefs

Steven Herald

Chief Executive Officer

B. Bus, CA

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Steve has a care and passion for supporting people with disability to achieve extraordinary things, and was drawn to the sector by his personal experiences with close family members.

Steve has held Senior Executive roles for various Service Retail multi-nationals, including Flight Centre, Mister Minit and Hoyts. Steve is an expert in change management, customer service and financial efficiency across high volume and geographically spread operations.

Joy Kumar

Chief Operating Officer

B.Bus, MBL

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Joy’s core values of giving back, has drawn her to this Sector and more importantly Afford as she believes Affords values of Integrity, empathy & excellence aligns perfectly with her own. Her passion lies in delivering authentic customer service excellence whilst ensuring the commercial viability of a business to ensure we reach as many clients as possible to make positive impacts in their lives.

Joy joined Afford after a commercial career in the banking sector with Westpac and NAB. With 17 years’ experience in business development, networking, lending, sales, facilitating, project management & Leadership. Joy has worked in different areas within financial services ranging from Retail, Business & Corporate banking & also shared group services, which is complemented by her Degree in Accounting.

Joy oversees Day Programs, Allied Health and the Afford Academy but her influence is also felt across many areas including Sales and Finance. Given her background, she is able to help drive process improvements and improve the link of Operations and Customer Service by leading our Complaints & Customer Experience process.

Christina Emmanouel

National Executive Manager – Commercial Development & Legal


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Christina is passionate about enabling Afford to help more people in more places, and is responsible for generating business growth through leadership of Afford’s Sales, Property, Marketing, Fundraising and Support Coordination Teams. She is also directly responsible for strategic growth via mergers and acquisitions, and for overseeing legal matters.

Her interface with NDIS policy and regulation coupled with the management of Afford’s new business portfolio, informs Afford’s positioning in the marketplace.

Melanie Lugg

National Executive Manager – Human Resources

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Melanie has direct experience in HR Technical (Investigations), Workers’ Compensation, Payroll, Recruitment, Administration, Reception and has been personally responsible for great improvements in HR Investigations & Workers’ Compensation (RTW). Melanie joined with Afford in May 2018 as a Receptionist before progressing to Human Resources and then into a Senior Human Resource role. Melanie is passionate about delivering quality staff to the business and ensuring staff are the finest throughout the sector. Melanie is currently studying Human Resources Management and has a passion is developing her career with Afford and providing the best Human Resource Service in the sector.

Amira Salama

National Executive Manager – Day Programs

Cert IV and Dip.Disability, B. Sci and Ed

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Amira joined Afford in 2015 as a Team Leader, before progressing to District Manager and then State Manager NSW. Amira has a background in Education prior to making a career transition into the Disability sector. She studied a Cert IV and a Diploma in Disability Service and has since been in the sector for over 10 years.

She has worked in various frontline roles and has firsthand experience managing relationships with clients, families, carers and staff. Having worked across various frontline roles such as Lifestyle Assistant, Vocational Training Officer, Market Area Coordinator gives her a wealth of practical experience.

Kym Mafi

National Executive Manager – Accommodation & Respite

Diploma In Disability & Case Management

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Kym joined Afford in 2011. Kym began in Day Programs at Kings Park and has been with Afford for over nine years. Kym has a great knowledge of the sector and Afford.

Kym is responsible for over 157 residents enjoying the Afford Lifestyle across 39 group homes, 5 Respite homes, and leads a team of 5 District Managers. Together they all ensure that our residents lead the best lifestyle possible.

Allan Sio
Allan Sio

Executive Manager – Business Development & Queensland

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Allan joined Afford in 2015. Allan is responsible for the operational management and strategic development of Afford’s Queensland operations. He has six years of experience working in complex one-to-one and crisis scenarios that has shaped his informed and practical approach to middle and senior management.

Part of his experience is working in the education department as a teacher’s aide working in primary schools with young children with complex needs and challenging behaviours. Allan’s comprehensive frontline and managerial experience gives him the knowledge and expertise to lead our operations in Queensland, liaise with relevant stakeholders and support business development.

Gordon Griff

National Executive Manager – Commercial services

Diploma Business Administration, Diploma Hospitality

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Gordon comes to Afford with a wealth of experience in business development. He is passionate about developing business partnerships and contributing to the growth of employment opportunities for people living with disability.

Gordon’s previous roles have involved the management of employment within the Australian Disability Enterprise (ADE) sector, as well as experience in hotels in Australia and the UK. Gordon is enthusiastic about showcasing the unique and various skills and talents of people living with disability across Afford services in Australia.

Asita Galappatti

Financial Controller

Financial Controller
Bcom & CPA

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Asita has been with Afford since 2019 and oversees the finance function. Asita has over 12 years of experience in the finance field, working with SMEs.

Department Chiefs

Cristina Alvarez

National Manager – Marketing, Events, & Fundraising

Cert III Financial Services

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Cristina joined Afford in 2006, with a back ground in sales she is responsible for leading and overseeing organisational growth through management of Affords Cherrywood Raffles, Events, Marketing and Fundraising departments.

Cristina is dedicated to passionately delivering the best events in the sector to ensure that all clients have fun and enjoy their best life, Cristina also oversees Afford Getaways, Club Afford and Grants.

Cristina guides an enthusiastic, dedicated and bubbly team of people who share her passion for Afford and our clients.

Kim Nguyen

National Manager – Property

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Kim’s role is to lead the property team in property acquisition, commercial leasing as well as on going upkeep of Affords properties.

With an extensive background in property she brings valuable experience & knowledge relating to property purchases, commercial leasing and project management.

She works in well with the operations team to ensure clients individual needs are met by carrying out required modifications in accordance with recommendations from the clients support workers & Occupational Therapist staff, whilst making sure that all properties are compliant with the building code of Australia as well as each individual local council requirements.

Kim is passionate about providing exceptional quality homes and day programs for clients.

Kiralee Jackson

National Manager – Training & Compliance

Cert III Business Administration, Cert IV Disabilities, Diploma Disabilities

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Kiralee has worked in the disability sector for over 10 years, with demonstrated history of working in a non-profit organisation management industry.
Skilled coaching, strategic planning, leadership development, crisis management and case management. Worked in senior management roles throughout Operations (Day Program, Respite and Group Homes) currently redeveloping training programs (formal and e-Learning) nationwide and is responsible for compliance across Afford and supporting subject matter experts though third party verification audits and ensuring policies and procedures are current .
Jim Win

New South Wales Manager – DES & SLES

Bachelor of Business Management, Dip in Employment Service, Dip in Disabilities services, Cert IV in Training and Assessing.

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Jim’s passion is to bring out the best in people, both our staff and the vulnerable participants who we assist every day in changing their lives by supporting them in obtaining and sustaining them in open employment.

Jim joined afford in 2018, he is a highly experienced manager with 28 years the Employment Services sector and 14 years in the Management of Disability Employment Services (DES) making him highly capable in leading Afford’s DES and SLES team in NSW.

Sulett Van Wyk

National Manager – Customer Care

Masters Computer Diploma / ITIL V3 / RE 5 (Regulatory Financial Accreditation South Africa) / Cert I Financial Planning / Cert II Financial Planning / CERT III Individual Support CHC33015

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Sulett migrated to Australia in 2016 and joined Afford in Sydney during April 2017 as a Lifestyle Assistant. Following her move to QLD she became a Customer Care Manager overseeing new client intakes within the business. Sulett comes from a financial planning back ground and prior to that worked in the ICT industry both South Africa.

Working within the disability sector is her passion and ensuring all new Afford clients receive the best possible support and service from our dedicated Customer Care team to enable them to live their best lives is Suletts driving force.

Kirstin Healey

National Accommodation Adviser

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Kirstin Joined Afford in 2014. She started her Afford Journey at Canley Vale Day Program as a Lifestyle Assistant, over time she took on the role of Coordinator of both Campbelltown and Canley Vale Day programs. With the new NDIA changes Kirstin has since stepped into the role of National Sils advisor and works with individuals, families, advocates, support Coordinators – SDA developers to explore housing pathway options that suits each person’s unique support needs.
Stephanie Ivos

Psychologist / National Leader of Allied Health

Bachelor of Psychology; Master of Counselling; Master of Forensic Mental Health

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Stephanie joined AFFORD in 2017, at the beginning of the AFFORD Allied Health team. Stephanie worked within the disability sector for close to 10 years, starting off as a support worker whilst completing university.
Today Stephanie currently leads the AFFORD Allied Health team nationally, which consists of Occupational Therapists, Speech Pathologists, including NSW, VIC, QLD and the expansion into WA/SA.
Julio Cevallos

National Manager – Support Coordination

Bachelors in Social Science, Masters in Social Work, Masters in Business Administration (MBA) (current)

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Julio is the AFFORD National Manager for support coordination, responsible for managing a team of highly skilled support coordinators nation-wide who in-turn put quality of service and passion at the forefront of their service delivery.
Julio has had valuable past experience delivering both standard and Specialist Support Coordination throughout all regions of NSW. Equipped with a Bachelor’s in Social Science and Master’s in Social Work, Julio has learnt to acknowledge and master the theories behind what he practices within his current profession.

Julio has a proven track record of success in all roles undertaken to date whilst currently being an effective and passionate National Manager & Head of Support Coordination within AFFORD.

Local District Chiefs


Belinda Smith

District Manager – Day Programs Sydney Central East

Cert III in childcare

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Belinda started with AFFORD in 2017 as a frontline staff member at Oran Park Day Program and then moved into the Customer Care team, with her experience in different areas of Afford she now is the District manager for the Central East day programs.

In this role, Belinda leads 7 Team Leaders over 5 different sites and responsible for over 400 clients. Belinda and her team work hard to ensure our clients get the best experience while working towards their goals.

Sussan Browne

District Manager – South West Accommodation

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Sussan joined Afford in 2017 as a Lifestyle Assistant at Penrith Accommodation. She has 8 years’ experience working within the disability industry, with the last 3 years being with Afford. During her time with Afford she has worked in both accommodation and respite. Sussan has a passion for working with her clients and helping them achieve their goals.

Prior to coming to the sector, Susan had 2 years’ experience in the aged care sector as well as working with children in crisis, whilst studying to become a Registered Nurse working with the aged community and children with troubling lifestyles.
Sussan is now a District Manager for 7 beautiful group homes with 29 residents living the Afford Lifestyle. Susan is committed to making a positive impact in the lives of her clients and families.

Tracy Younie

District Manager – Accommodation & Respite New South Wales 

Cert IV in Nursing, Cert IV in Frontline Management, Cert IV in Training and Assessment

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Tracy has worked in the disability industry for over 20 years.

Tracy joined Afford in 2016 as a Team Leader at our Cherrywood/Llandilo site, Tracey was a major presence as a frontline staff when residents moved into their new group homes in Penrith. She was Team Leader for True Blue & Bluebird Group Home’s from 2016 – 2018, In 2018 Tracy was promoted to District Manager for Respite NSW Accommodation.

20 years in the disability industry has given Tracey the ability to run her department with success.

Wayne Adamson

District Manager Day Programs – Far West Sydney & Victoria

Diploma Case Management, Cert III Electrotechnology, Cert III Business Admin

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Wayne joined Afford in June 2019 as the District Manager for Far West Day Programs, where he oversee 7 sites and over 350 clients.

He has previous management experience in the Aged Care sector, delivering in home supports across NSW/ACT.

Wayne is also a foster carer for Indigenous kids and has been doing this for the last 6 years, caring for vulnerable children with complex needs and behaviours.

Kathy Bullock

District Manager – Illawarra

Dip Community Services Dip Disabilities

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Kathy has worked with Afford for the past 8 and half years, her current role is District Manager for the Sydney South West district where she currently manages 7 sites – Green Valley, Chipping Norton, Lurnea, Oran Park, Campbelltown, Bexley, Wollongong and Shoalhaven. This is expected to grow to 8 sites as Afford has recently purchased a site in Camden which will open in early 2021. Previously, Kathy worked as a Mobile Lender with ANZ Bank and before that she ran a child care centre for 17 years.
Donna Haviland

District Manager – Far West Accommodation

BA Community & Human Services, Certificate III & IV in Aged Care, Certificate IV in Mental Health, Certificate IV in Alcohol & Other Drugs

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Donna joined Afford in February 2017 as a Team Leader for several Accommodation Group Homes in Far West Sydney. Donna was promoted to District Manager of Far West Accommodation. She has 14 years’ experience in community and social services beginning in aged and dementia care, mental health and drug and alcohol and now specialising in disability. Donna leads a team of 5 dedicated Team Leaders who are just as compassionate and dedicated as her in ensuring our residents are supported to live their best lives.
Symone Marjanovic

National Manager – SLES

Cert IV in Training and Assessment
Cert III in individual support (disability)

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Symone has worked in the disability employment industry for over 12 years. Symone started her career in the disability sector as a Job club trainer in DES (Disability Employment Services), a Senior Vocational trainer in TTW (Transition to work) and then moved to the team leader position in Support Coordination, SLES (School Leaver Employment Supports) and Individual supports when NDIS took over in Sydney.

Symone Joined AFFORD in 2017 as Customer Care Manager South West Sydney and after 9 months, Symone’s Passion for helping young adults living with a disability to recognise and realise their potentials to gain further education, employment and/or independence, saw Symone stepping back into a familiar role as AFFORD’s Employment Supports Manager with SLES and ADE’s.
With expected growth in the sector, SLES has grown and we now service SLES in QLD, VIC, SA and WA.

For Symone, there is nothing more rewarding then working with a young person who goes on to achieve their goals, especially when they thought they couldn’t, no matter how big or small!


James Ward

District Manager – Accommodation South Queensland

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James stands proudly as the District Manager for Afford’s Accommodation Homes in South Queensland. James’ previous experience in motor racing has taught him the importance of passion, hard work and team harmony. James also has disability within his own family, this personal experience inspires James to apply his skills to the disability sector.
James is dedicated to growing the region, to provide abundant opportunities and the best possible life for NDIS participants.

Charlie Seu

District Manager – Day Programs South Queensland, South Australia & Western Australia

Cert IV in disability & Diploma Leisure and Health

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Charlie has been working with Afford since 2018 his journey started as a Lifestyle Assistant in Sydney. He relocated his family from Sydney to live the dream in Queensland. Recently his persistence and hard work paid off and was promoted to District Manager for QLD South Day Programs. Charlie loves his job and is leading a great team. He credits Executive Manager – Client Services (QLD), Allan Sio as his mentor. Together they ensures Qld keep the Afford culture growing.
Joe-Marie Van Zyl

District Manager – North Queensland

BSc Human Movement, Post Grad in Education, Cert IV in Training and Assessment

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Joe-Marie joined Afford in 2017 as Team Leader for Respite Services in NSW assisting with the growing pains of the role-out of NDIS. Her experience in brain injury and teaching was utilised in the disability sector.
Joe-Marie transferred to QLD where she is currently the District Manager for Group Homes, Day Programs and Respite in Queensland North while overseeing 3 Team Leaders as direct reports.


Edward Boghikian

District Manager – Accommodation Victoria

Diploma of Management, Cert IV Training & Assessment, Cert IV Workplace Health & Safety

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Edward has been in Operational Management roles across different sectors for over 16 years and has extensive knowledge in Training, Auditing and Health and Safety.
He joined the Afford team in 2019 as the Victoria District Manager helping the company grow within VIC. He is responsible for a group of Team Leaders who he guides to ensure the best possible care and dedication is provided for our clients.

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