About David: David joined Equifax in 2025 and leads the UK and Ireland businesses. He has over 25 years of global leadership experience across B2B technology, data, fintech, edtech, healthtech and digital industries. He is committed to driving improved customer experience through innovation and AI enablement. David is passionate about the power of AI and technology to improve services for clients and customers. About Equifax At Equifax (NYSE: EFX), we believe knowledge drives progress. As a global data, analytics, and technology company, we play an essential role in the global economy by helping financial institutions, companies, employers, and government agencies make critical decisions with greater confidence. Our unique blend of differentiated data, analytics, and cloud technology drives insights to power decisions to move people forward. Headquartered in Atlanta and supported by nearly 15,000 employees worldwide, Equifax operates or has investments in 24 countries in North America, Central and South America, Europe, and the Asia Pacific region. Equifax Ltd is one of the Equifax group companies based in the UK. Equifax Ltd is authorised and regulated by the Financial Conduct Authority. For more information, visit equifax.co.uk and follow the company’s news on LinkedIn

Panicos Demetriades is Professor of Financial Economics at the University of Leicester, a former Governor of the Central Bank of Cyprus and former Member of the Governing Council of the European Central Bank.

After studying economics in the UK, Panicos worked at both the central bank in his native Cyprus, and in various academic posts in Britain. He was appointed Governor of the Central Bank of Cyprus just as the country struggled with the aftermath of the financial crisis. The Cypriot economy had been hit by the global downturn as well as falls in tourism, shipping, property, and its offshore banking sector. The country negotiated a bailout which saw the EU and IMF impose a levy on bank deposits that shook market confidence in the system and threw the viability of the whole economy in to question.

In his book Diary of the Euro Crisis in Cyprus: Lessons for Bank Recovery and Resolution Panicos looks at the political, regulatory and economic lessons from the crisis. He considers the decisions faced by politicians in Cyprus and across Europe, the fragility of the banking sector, and the role of Russian money in buying up the country’s largest bank.

Now one of Europe’s leading and most widely read economic writers Panicos examines a range of financial and economic issues from the detailed workings of national banking systems to a broader outlook for industry and the policy decisions that could affect it. He delivers an insight into the politics and economics of the Eurozone, and the possible outcomes for a post-Brexit UK and EU. With an extensive knowledge of global economic and banking systems, particularly those of Asia and Africa, he looks at the prospects for global growth, investment and regulation. Having had to unravel some of the dealings between Cypriot banks and Russian investors he can also provide revealing insights into everything from how Russian money is destabilising European finances and the euro to alleged political interference in the US and elsewhere.

Phil Beale is the Deputy Chief Risk Officer and joined Aldermore in October 2022. Phil has been in the industry for 25 years and, prior to Aldermore, held several senior risk roles in Barclays, including CRO for the Secured Lending division.

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Anthony joined Snap Finance UK as the Chief Finance & Credit Officer in 2022 and has over 20 years of experience across finance, credit risk, and analytics.   Anthony’s Credit Risk Team were awarded Credit Risk Team of the Year at the 2025 Credit Awards.

George is a British Nigerian Lawyer and a well-rounded entrepreneur within the Fintech space. He is a confident communicator with proven leadership skills across a range of financial services - such as GE Money Bank, Eversheds LLP, Ventura (now Capita), HML (now Computershare Technology Services) and Loans 2 Go Limited.  George has extensive exposure to commercial/contract law, regulatory law, consumer finance, mortgages, credit cards, payment services technology, FCA, and a powerful network of industry peers.   George qualified as a Barrister of England and Wales in 2010 and in 2013 he also qualified to practice as a Solicitor of England and Wales. In 2020 he attained a Master of Business Administration degree (MBA) from Saïd Business School at the prestigious University of Oxford.   He is a high academic achiever with the capacity to learn fast, grasp complex issues and adapt as needed, underpinned by experience working within varied challenging roles.   His track record of career progression is founded on the ability to build relationship with people, taking responsibility, identifying solutions, and then delivering results. George is the co-founder and Chairperson of Ethica Resolve Limited and the founder of MIM Finance Company Limited (a Central Bank of Nigeria licenced finance firm that is working towards helping solve the problem of access to finance in Africa). George is happily married with four beautiful daughters.

A qualified accountant with over 25 years’ experience working in financial services and been CEO of Moneyline, a not-for-profit lender, since May 2022. She has had a broad range of roles in finance and projects in large banks and just before joining Moneyline Shiona took a year out to work as a volunteer consultant in Cambodia’s Siem Reap area, working with a range of small local NGOs to large international organisations. In 2024 Shiona was awarded Women in Credit: Business Leader of the Year (Credit) and is a member of the WISE 100 2025. In her spare time Shiona loves scuba diving in hot places!

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Izzie leads Santander’s Financial Care function, winners of the 2025 C&V Contact Centre Team of the Year, transforming customer and contact centre operations to deliver compassionate support for those in financial difficulty. She champions vulnerability and inclusion across the bank, driving change through her leadership on domestic, economic, and financial abuse within the Women in Banking network.   Outside Santander, Isobel is a Regional Ambassador for the Women’s Leadership Group and Chair of Trustees at Sirona Homes, a charity providing safe housing for women and children escaping abuse

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Jason has over twenty years’ experience in strategy development, risk, and communications. He was one of the UK’s first Chartered PR practitioners and has experience in creating strategies in some of the most challenging environments for both the private and public sectors.  He has increasingly focussed on risk and strategy in financial services over recent years. He is currently CEO of a trade association for companies providing alternative lending. Helping firms adapt to the changing regulation of consumer credit, engaging directly with the FCA on issues of policy and supervision. Jason's commercial experience includes work within financial services, energy, infrastructure development, and housing. Work during the banking crisis with one of the largest UK banks, and then a challenger bank, led to his involvement in the consumer credit sector, including supporting firms seeking FCA authorisation.

John Wightman is Head of Market Analysis and Policy at the Financial Conduct Authority.  His department has delivered a number of key policy initiatives across the Consumer Finance sector, including final rules for Deferred Payment Credit (also known as Buy Now Pay Later – PS 26/1), Strengthening Protections for Borrowers in Financial Difficulty (PS 24/2), and Product Sales Data Reporting (PS 24/3).  His team recently published consultations on the Credit Information Market Study (CP 26/7) and the Financial Promotions Rules (CP 26/15).  Before joining the Financial Conduct Authority in February 2023, John spent ten years at the Financial Ombudsman Service, where he was Head of Practice for Consumer Credit.

Rachael Jones is the Director of Automotive Finance at Autotrader, the UK’s largest online automotive marketplace. She has worked in the automotive industry for 15 years in various roles at Nissan GB across product management, sales, finance offers & advertising.  On joining Autotrader, she built relationships with OEMs, and then played a pivotal role in their transition to adding brand new cars to the platform. In her current role as Director of Automotive Finance, she drives the Auto Finance product strategy and also heads up strategic partnerships with finance brokers, lenders and leasing companies. Today, Auto Trader has over 40 lender integrations, and over 6,000 retailers advertising 300,000 vehicles with finance on the platform.

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About James: James Hilton is a high-impact commercial leader with over 20 years of experience driving business transformation across the private and public sectors. Currently the Director of Strategic Growth for Debt Services at Equifax, James spearheads the global expansion and re-engineering of the debt services portfolio by leveraging AI and data-driven insights. His background is marked by significant leadership tenures, including serving as Chief Commercial Officer at TDX Group and holding executive roles at Indesser. With a deep expertise in counter-fraud, revenue maximisation, and SaaS, James has a proven track record of delivering innovative solutions for Central Government, Finance, and Health sectors. He is an expert in full P&L management and proposition development, consistently focused on using digital innovation to enhance client partnerships and set new industry standards in recoveries. About Equifax At Equifax (NYSE: EFX), we believe knowledge drives progress. As a global data, analytics, and technology company, we play an essential role in the global economy by helping financial institutions, companies, employers, and government agencies make critical decisions with greater confidence. Our unique blend of differentiated data, analytics, and cloud technology drives insights to power decisions to move people forward. Headquartered in Atlanta and supported by nearly 15,000 employees worldwide, Equifax operates or has investments in 24 countries in North America, Central and South America, Europe, and the Asia Pacific region. Equifax Ltd is one of the Equifax group companies based in the UK. Equifax Ltd is authorised and regulated by the Financial Conduct Authority. For more information, visit equifax.co.uk and follow the company’s news on LinkedIn

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A qualified accountant with over 25 years’ experience working in financial services and been CEO of Moneyline, a not-for-profit lender, since May 2022. She has had a broad range of roles in finance and projects in large banks and just before joining Moneyline Shiona took a year out to work as a volunteer consultant in Cambodia’s Siem Reap area, working with a range of small local NGOs to large international organisations. In 2024 Shiona was awarded Women in Credit: Business Leader of the Year (Credit) and is a member of the WISE 100 2025. In her spare time Shiona loves scuba diving in hot places!

Lee Chambers is the Founder and CEO of Male Allies UK. After a diverse career, from corporate finance to building and exiting a tech company, he is now focused on supporting organisations to engage men in inclusion and promote effective allyship. He has been featured on the Startups 100 Index, has received a Great British Entrepreneur Award, and sits on the board of CMI Women, Regenerage UK and the Manchester Metropolitan University Business School. In 2024, he received the Freedom of the City of London for services to equality in business.  He is a Kavli Fellow of the National Academy of Sciences in the USA, the first Black British scientist to be awarded in its 33-year history, received for his work on health inequalities. He is the 2023 UN Women Changemaker of the Year, and is an ambassador for the UK Government’s Lilac Review for Disabled Entrepreneurship. He speaks globally on allyship and intersectionality, having taken the stage at One Young World, ChangeNOW and the Bloomberg Global Equality Summit, and is the author of the bestselling book, Momentum: 13 Ways To Unlock Your Potential.

James O’Donnell leads Research & Consulting for TransUnion, advising lenders on the strategic, commercial and operational shifts reshaping credit, risk and customer strategy. He brings nearly two decades of experience across the UK, Australia, Canada and Latin America, spanning leadership in credit and fraud analytics, consulting and financial services strategy. Prior to TransUnion, James held leadership roles at Equifax and earlier positions with GE Finance and PwC. His recent work has focused on prevailing industry challenges across consumer duty outcomes, affordability data innovation, BNPL integration, cost-of-living impact and the practical application of Agentic AI across credit and fraud workflows.

About Karl-Magnus Karl-Magnus has over 25 years’ experience in the industry, providing client solutions and product development for a wide range of financial services clients. Karl-Magnus plays a lead role in implementing partnership strategy, working alongside specialist fintechs to ensure that Equifax can offer innovative and fast-paced solutions for our clients. Currently Karl-Magnus is responsible for driving client success strategy and providing a focus on maximising the benefits that our new and existing Open Banking solutions can deliver to strategic clients and their customers alike. About Equifax At Equifax (NYSE: EFX), we believe knowledge drives progress. As a global data, analytics, and technology company, we play an essential role in the global economy by helping financial institutions, companies, employers, and government agencies make critical decisions with greater confidence. Our unique blend of differentiated data, analytics, and cloud technology drives insights to power decisions to move people forward. Headquartered in Atlanta and supported by nearly 15,000 employees worldwide, Equifax operates or has investments in 24 countries in North America, Central and South America, Europe, and the Asia Pacific region. Equifax Ltd is one of the Equifax group companies based in the UK. Equifax Ltd is authorised and regulated by the Financial Conduct Authority. For more information, visit equifax.co.uk and follow the company’s news on LinkedIn

Craig joined Equifax in 2011, with over 16 years experience within the Credit Reference market, Craig has a strong commercial background, extensive market knowledge and customer focus. He is responsible for leading Strategy, Product and Marketing.

Jason has over twenty years’ experience in strategy development, risk, and communications. He was one of the UK’s first Chartered PR practitioners and has experience in creating strategies in some of the most challenging environments for both the private and public sectors.  He has increasingly focussed on risk and strategy in financial services over recent years. He is currently CEO of a trade association for companies providing alternative lending. Helping firms adapt to the changing regulation of consumer credit, engaging directly with the FCA on issues of policy and supervision. Jason's commercial experience includes work within financial services, energy, infrastructure development, and housing. Work during the banking crisis with one of the largest UK banks, and then a challenger bank, led to his involvement in the consumer credit sector, including supporting firms seeking FCA authorisation.

Simon recently joined Billing Finance as CEO in June this year. With nearly 30 years’ experience in financial services, including 17 years at GE Capital, Simon has worked in consumer finance, mortgages and motor finance including roles in America and Hong Kong, giving him a unique perspective of different markets and asset classes.

Sam Osborn has over 25 years of experience in the motor finance industry. She joined Evolution in 2013 and after a year in Underwriting, moved into the compliance role. As Head of Risk and Compliance, Sam is responsible for Evolution's governance framework, including incidents, risk management, partner oversight, audits, product governance, financial promotions, and policy governance. Most recently, Sam's oversight on Evolution's response to the FCA changes banning discretionary commission models led to the successful launch of their innovative Credit Score-Based Pricing.

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Anthony Sumner leads Connected Data’s go-to-market and commercial strategy. Prior to joining the business, he spent 26 years at Experian, holding UK Managing Director and senior leadership roles across Analytics, Consulting and Background Checking. Anthony has extensive experience helping organisations use data to improve customer outcomes, operational performance and portfolio value across a range of sectors, with particular expertise in Banking, Financial Services and Utilities.

Kirk Fletcher is the Founder and CEO of Connected Data, leading the company's strategy, growth, and innovation agenda. With over 20 years of leadership experience in data and analytics, including senior leadership and Managing Director roles at Experian and serving as UK Managing Director at TDX Group, Kirk has helped organisations harness data to improve customer engagement, optimise performance, and unlock greater value from their portfolios.

Antony Dear is Chief Product Officer at Connected Data, leading the company’s technology platform, service delivery, and AI innovation strategy. With over 15 years of experience across TDX Group and Equifax, Antony has held senior roles spanning technology, product management, consulting, and solution design. He is passionate about harnessing data and technology to create innovative solutions that improve customer outcomes and solve complex business challenges.

About Kelly As the Fraud and Identity Account Director, Kelly brings a wealth of experience in navigating the evolving landscape of fraud and financial crime. With a career marked by significant contributions to companies like Utility Warehouse and O2 (Telefónica UK) , Kelly has excelled in roles ranging from Senior Product Manager to Head of Digital Identity.   About Equifax At Equifax (NYSE: EFX), we believe knowledge drives progress. As a global data, analytics, and technology company, we play an essential role in the global economy by helping financial institutions, companies, employers, and government agencies make critical decisions with greater confidence. Our unique blend of differentiated data, analytics, and cloud technology drives insights to power decisions to move people forward. Headquartered in Atlanta and supported by nearly 15,000 employees worldwide, Equifax operates or has investments in 24 countries in North America, Central and South America, Europe, and the Asia Pacific region. Equifax Ltd is one of the Equifax group companies based in the UK. Equifax Ltd is authorised and regulated by the Financial Conduct Authority. For more information, visit equifax.co.uk and follow the company’s news on LinkedIn

Having spent over 21 years working in Financial Services, with over 15 years in the Counter-Fraud space working cross Insurance, Finance, Utilities, Telco's and Utilities, Stephen is excited to now lead the Counter-Fraud Consultancy function at Equifax.   Stephen's role plays a key role at Equifax, supporting clients across multiple industries to explore new initiatives to reduce fraud, whilst reducing customer friction for genuine customers, enabling clients to increase conversion safely with lower risk. Stephen's role sees him working with the wider Financial Services Industries, and other organisations developing fraud solutions to achieve their goals

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George is a British Nigerian Lawyer and a well-rounded entrepreneur within the Fintech space. He is a confident communicator with proven leadership skills across a range of financial services - such as GE Money Bank, Eversheds LLP, Ventura (now Capita), HML (now Computershare Technology Services) and Loans 2 Go Limited.  George has extensive exposure to commercial/contract law, regulatory law, consumer finance, mortgages, credit cards, payment services technology, FCA, and a powerful network of industry peers.   George qualified as a Barrister of England and Wales in 2010 and in 2013 he also qualified to practice as a Solicitor of England and Wales. In 2020 he attained a Master of Business Administration degree (MBA) from Saïd Business School at the prestigious University of Oxford.   He is a high academic achiever with the capacity to learn fast, grasp complex issues and adapt as needed, underpinned by experience working within varied challenging roles.   His track record of career progression is founded on the ability to build relationship with people, taking responsibility, identifying solutions, and then delivering results. George is the co-founder and Chairperson of Ethica Resolve Limited and the founder of MIM Finance Company Limited (a Central Bank of Nigeria licenced finance firm that is working towards helping solve the problem of access to finance in Africa). George is happily married with four beautiful daughters.

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Lawrence Byers is a Senior Product Manager at Acquired.com, where he leads the development of account-to-account payment solutions, including Direct Debit and Variable Recurring Payments (VRPs). His recent work focuses on applying VRPs within lending and debt collection, exploring how they can address some of the limitations of traditional payment methods. He works closely with financial services businesses to design more flexible, real-time collection strategies that better support both repayment performance and good customer outcomes.

A qualified accountant with over 25 years’ experience working in financial services and been CEO of Moneyline, a not-for-profit lender, since May 2022. She has had a broad range of roles in finance and projects in large banks and just before joining Moneyline Shiona took a year out to work as a volunteer consultant in Cambodia’s Siem Reap area, working with a range of small local NGOs to large international organisations. In 2024 Shiona was awarded Women in Credit: Business Leader of the Year (Credit) and is a member of the WISE 100 2025. In her spare time Shiona loves scuba diving in hot places!

Craig joined Equifax in 2011, with over 16 years experience within the Credit Reference market, Craig has a strong commercial background, extensive market knowledge and customer focus. He is responsible for leading Strategy, Product and Marketing.

James is responsible for casework policy and leading our Ombudsman and Investigations teams in the delivery of high-quality investigations. James joined FOS as Deputy Chief Ombudsman in October 2022 from the Information Commissioners Office, where he was Deputy Commissioner and Chief Regulatory Officer, leading their regulatory service. James is presently Interim Chief Ombudsman.  James has worked in a number of investigatory and oversight agencies. He has served as Operations Director for the Parliamentary and Health Service Ombudsman, Commissioner for North West England Police Forces and Director of Investigation and Supervision for the  Solicitor’s Regulation Authority (England and Wales). James also held the role of Independent Assessor for Ombudsman Services.

Shanika Amarasekara MBE is Chief Executive of the Finance & Leasing Association (FLA), the leading trade body for the UK’s consumer finance, asset finance and motor finance sectors. She has led the organisation since August 2025.

Shanika has built a career spanning financial services, public policy and impact investing, and is recognised for her leadership at the intersection of finance, policy and economic development. She brings a strong focus on social mobility, financial inclusion and sustainable growth, and is committed to strengthening the role of finance in supporting access, opportunity and positive real-economy outcomes.

Prior to joining the FLA, Shanika was Chief Impact Officer at the British Business Bank, where she led policy, strategy, economics, sustainability and public affairs to enhance the Bank’s impact on smaller businesses and the wider economy. She previously served as General Counsel, playing a pivotal role in the design and delivery of major national finance schemes during the Covid-19 pandemic.

Her earlier career includes senior legal and advisory roles at the International Islamic Liquidity Management Corporation, Royal Bank of Scotland and Allen & Overy, with expertise spanning cross-border finance, fintech regulation and green finance.

As CEO of the FLA, Shanika is focused on modernising the organisation and strengthening its voice on the key issues shaping the future of finance and economic participation. Her work centres on how finance, technology and policy can work together to build trusted financial systems that support consumers, businesses and sustainable growth across the UK.

Shanika is also a member of the London Legacy Development Corporation Board, contributing to the ongoing regeneration of the Queen Elizabeth Olympic Park. She was awarded an MBE for services to business and the economy.

John Wightman is Head of Market Analysis and Policy at the Financial Conduct Authority.  His department has delivered a number of key policy initiatives across the Consumer Finance sector, including final rules for Deferred Payment Credit (also known as Buy Now Pay Later – PS 26/1), Strengthening Protections for Borrowers in Financial Difficulty (PS 24/2), and Product Sales Data Reporting (PS 24/3).  His team recently published consultations on the Credit Information Market Study (CP 26/7) and the Financial Promotions Rules (CP 26/15).  Before joining the Financial Conduct Authority in February 2023, John spent ten years at the Financial Ombudsman Service, where he was Head of Practice for Consumer Credit.

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Julie is the Chief Risk Officer at Together Financial Services, the UK’s largest non-bank secured lender. She has over 20 years’ experience in financial services risk management, and has spent the majority of her career as a Big 4 consultant in the United Kingdom, Bermuda and Hong Kong.

Over 20 years’ experience in financial services working for consumer finance lenders, including 10 years with a non-prime motor finance company, and for large banks in debt collection and structured finance. Experienced in credit operations, credit risk, collections, and structured finance.

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Kristina is a seasoned product leader with over 15 years of experience driving innovation within the credit and data sectors. Currently serving as the Director of Consumer Product at Equifax UK, Kristina oversees strategic product initiatives, leveraging her deep expertise in consumer information and B2B lending. Prior to joining Equifax in 2025, Kristina spent nearly 15 years at Experian, where she held a series of increasingly senior leadership roles. Her tenure there was defined by her ability to navigate complex regulatory and technical landscapes, notably serving as Product Director for Verifications & Affordability and Product Director for Collections and Tracing.

About Andrea Andrea Cox is an industry expert specialising in affordability and financial vulnerability, with over 20 years of experience crafting data-driven solutions across diverse sectors. Her expertise includes conducting detailed income and expenditure assessments and identifying financial vulnerabilities early on. Throughout her career, Andrea has made a significant impact in various industries including banking, finance, retail, telecom, utilities and debt management. Her comprehensive understanding of the affordability challenges in these sectors allows her to develop tailored strategies that effectively address financial distress. As a thought leader, Andrea frequently shares her insights on affordability at industry conferences and workshops, where she is known for her forward-thinking approach and practical solutions. Her dedication to addressing financial vulnerability has not only influenced policy and practice but also helped countless organisations navigate their affordability challenges successfully. About Equifax At Equifax (NYSE: EFX), we believe knowledge drives progress. As a global data, analytics, and technology company, we play an essential role in the global economy by helping financial institutions, companies, employers, and government agencies make critical decisions with greater confidence. Our unique blend of differentiated data, analytics, and cloud technology drives insights to power decisions to move people forward. Headquartered in Atlanta and supported by nearly 15,000 employees worldwide, Equifax operates or has investments in 24 countries in North America, Central and South America, Europe, and the Asia Pacific region. Equifax Ltd is one of the Equifax group companies based in the UK. Equifax Ltd is authorised and regulated by the Financial Conduct Authority. For more information, visit equifax.co.uk and follow the company’s news on LinkedIn

Laurie Schnidman is Chief Product Officer, AI Ecosystem at Experian UK&I. In this role, Laurie works across the AI partner ecosystem to bring together responsible AI, trusted data, real‑world insight and the right safeguards to help clients make better decisions. 

Previously, Laurie served as Chief Product Officer for Platforms and Software at Experian. She joined the company in 2021 from Salesforce, where she was Regional Vice President of Marketing Cloud Services for the EMEA region. 

Earlier in her career, Laurie held senior leadership roles at AppNexus, a venture‑backed ad tech scale‑up in New York, working across strategy and operating functions. She has also worked in consulting, private equity and international development. 

Laurie holds a BA from Harvard University and an MSc from the University of Oxford. 

Passionate for enabling responsible, sustainable and fair retail credit for consumers. Abby is Head of Klarna Financial Services UK, where she drives the strategic growth of Klarna’s credit and payments offerings across the UK. She has spearheaded Klarna’s regulatory authorisations to provide regulated credit and payment services. Furthermore, has advocated strongly for BNPL regulation driving up standards to protect consumers. She has extensive experience within retail banking, credit risk and analytics through a range of organisations including Lloyds Banking Group, Close Brothers and Experian.

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Costas leads a Supervision Department in the FCA’s Consumer Finance Directorate. He joined the FCA in 2014, since then leading teams supervising a range of consumer finance portfolios and mortgage lenders. His area is responsible for supervising retail finance, motor finance, debt collection, purchase and administration, debt advice, and credit reference agencies.  An Australian-qualified lawyer, Costas has worked in regulation for around 24 years, serving in a range of investigative and regulatory roles. Costas has previously worked at the Australian Securities and Investments Commission, the Financial Services Authority, KPMG and Ofcom.

Jason has over twenty years’ experience in strategy development, risk, and communications. He was one of the UK’s first Chartered PR practitioners and has experience in creating strategies in some of the most challenging environments for both the private and public sectors.  He has increasingly focussed on risk and strategy in financial services over recent years. He is currently CEO of a trade association for companies providing alternative lending. Helping firms adapt to the changing regulation of consumer credit, engaging directly with the FCA on issues of policy and supervision. Jason's commercial experience includes work within financial services, energy, infrastructure development, and housing. Work during the banking crisis with one of the largest UK banks, and then a challenger bank, led to his involvement in the consumer credit sector, including supporting firms seeking FCA authorisation.

Adam Tarpey is the Head of SME at Starling Bank, where he focuses on solving the daily cashflow challenges that small businesses face. Having worked at Metro Bank, RateSetter, and Neyber, he has a track record of building SME and retail products across both fintechs and traditional banks. This experience has taught him how to launch innovative products at pace while navigating the ever-changing complexities of a regulated environment. Adam is looking forward to Credit Week and discussing the intersection between credit risk and product development, ensuring products utilise the latest decisioning techniques and data sources for the benefit of customers.

Andy is responsible for Metro Bank’s Business and Commercial teams. He is passionate about helping customers achieve their business ambitions through the personal and expert relationship-based service Metro Bank provides.     Andy joined Metro Bank in June 2012 with a strong background in business and commercial banking. He has since held a number of senior commercial banking roles at Metro Bank, most recently as Director of our Corporate business. Prior to joining Metro Bank, Andy held a number of senior banking roles at HSBC.     When not at work Andy enjoys spending time with his grandchildren and sitting down with a good autobiography when he gets the chance.

About Stuart, Stuart leads Equifax’s Public Sector Sales team in the UK and Ireland. He has worked for Equifax Europe for seven years, as Chief of Staff to the CEO and leading on government relations. He was a Non Executive Director of Indesser, Equifax’s joint venture with the Cabinet Office, and of a mental health charity. Stuart has also worked in the insurance, public and charity sectors. About Equifax At Equifax (NYSE: EFX), we believe knowledge drives progress. As a global data, analytics, and technology company, we play an essential role in the global economy by helping financial institutions, companies, employers, and government agencies make critical decisions with greater confidence. Our unique blend of differentiated data, analytics, and cloud technology drives insights to power decisions to move people forward. Headquartered in Atlanta and supported by nearly 15,000 employees worldwide, Equifax operates or has investments in 24 countries in North America, Central and South America, Europe, and the Asia Pacific region. Equifax Ltd is one of the Equifax group companies based in the UK. Equifax Ltd is authorised and regulated by the Financial Conduct Authority. For more information, visit equifax.co.uk and follow the company’s news on LinkedIn

Over 15 years Financial Services experience with 14 of those within Collections industry, managing largescale teams covering all stages of the Collections & Recoveries Lifecycle across multiple products.

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James is an experienced fintech leader. He is passionate about real-time technology and its ability to transform outcomes. As CEO of Flexys, James focuses on improving results for collections operations and their customers. Flexys leads the way in collections technology, enabling organisations to collect more, efficiently. This reduces friction for people in arrears, helping them to a faster resolution.

Ross Chambers is Chief Commercial Officer at Finclusion, responsible for leading commercial strategy, national dealer distribution, brand positioning and scalable growth. With over 20 years in financial services and automotive finance, he has built a reputation for delivering performance in regulated, competitive markets.

At Finclusion, Ross is building a dealer-first lending proposition designed to broaden access to finance while maintaining disciplined commercial governance. His remit covers introducer partnerships, marketing, distribution strategy, performance management and long-term growth planning as the business scales nationally.

Previously, Ross was Director of New Business, Brand and Marketing at Billing Finance, where he accelerated commercial growth and strengthened market presence. He also held senior leadership roles at Close Brothers Motor Finance, including Divisional Manager for Motorcycles, and spent over a decade at Santander in retail banking leadership positions.

Alongside his executive career, Ross is an executive coach to neurodivergent professionals and senior leaders balancing high performance with complex family demands. He is Co-Founder of Neuro NEDs, a consultancy focused on strengthening neuro-inclusion in the workplace through structured diagnostics, leadership advisory and cultural capability building.

He serves as a Trustee at Mid Norfolk Mencap and is a member of Credit Strategy’s Women and Diversity Steering Committee, contributing to industry-wide progress on inclusion and representation.

Drawing on his own experience of ADHD and parenting neurodiverse children, Ross advocates for practical inclusion that improves decision quality, performance and long-term organisational resilience. He is known for combining strategic clarity with commercial discipline, energy and a people-first leadership style.

Nick has over 20 years’ experience in Financial Services, with the majority spent in lending. Having started his career in Lloyds Banking Group in 2004, he moved to Visa, and then TSB, where over 8 years he held roles leading the Unsecured Loans, Credit Cards, and Mortgage product businesses. Nick's first Exco role came upon moving to Revolut in 2022 as their UK Chief Lending and Product officer, before recently moving to become Chief Retail Banking Officer for Alpha Bank London

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Pete leads the company’s commercial strategy, partnerships, and proposition development. Before joining Gen H in 2022, Pete held senior leadership roles at Virgin Money, CYBG PLC, and HSBC, where he managed multi-billion-pound lending portfolios, spearheaded strategic initiatives, and shaped market-leading mortgage and credit products. Pete is a Chartered Institute of Credit Management member and FCA-approved Senior Manager (SMF3).

Nick Flint is Head of Risk (First Line of Defence) at Cambridge & Counties Bank, where he leads the bank’s 1st Line Risk function covering operational risk and resilience, outsourcing and third‑party management, financial crime oversight, and operational excellence activities including quality assurance, complaints, and consumer duty oversight. He chairs the bank’s Operational and Conduct Risk Committee and sits on a number of wider governance forums.

Nick has nearly 30 years’ experience across risk, compliance, operations, underwriting, transformation, and recoveries. Before joining Cambridge & Counties Bank, he held senior roles at Nottingham Building Society, Welcome Finance and Citi, and began his career at NatWest.

Dan Weaver is a product and data strategy leader with over 20 years’ experience across consumer credit, affordability, open banking and CRA product development. He is working alongside Creditsafe on its new consumer CRA proposition.

Dan previously spent a decade in senior product leadership roles at a major UK credit reference agency, leading initiatives across credit risk scoring, affordability, open banking and data transformation. He focuses on how better data and product design can support improved lending decisions, fairer access to credit and stronger consumer outcomes.

Sam Whittaker is the Commercial Operations Director at Evolution Funding, the UK’s leading automotive finance fintech. With over a decade at the company, he has supported the companies evolution from a finance brokerage into a scalable, technology-driven platform – leading on change initiatives across credit data, compliance, automation, operations and product innovation.

Julian has over 35 years’ experience in specialist lending. He was a Director at GE Money in the early 2000s before founding his own home improvement lending business, m2i, in 2007, which he successfully exited in 2012.   He was part of the founding team at Shawbrook Bank and later helped establish Allium Money in 2018.   Julian is Managing Director of Home Improvement Loans at Tandem Bank and serves as a Board Member of the Finance & Leasing Association (FLA), where he contributes to industry discussions on responsible lending, regulation and the development of sustainable finance.

Jason has over twenty years’ experience in strategy development, risk, and communications. He was one of the UK’s first Chartered PR practitioners and has experience in creating strategies in some of the most challenging environments for both the private and public sectors.  He has increasingly focussed on risk and strategy in financial services over recent years. He is currently CEO of a trade association for companies providing alternative lending. Helping firms adapt to the changing regulation of consumer credit, engaging directly with the FCA on issues of policy and supervision. Jason's commercial experience includes work within financial services, energy, infrastructure development, and housing. Work during the banking crisis with one of the largest UK banks, and then a challenger bank, led to his involvement in the consumer credit sector, including supporting firms seeking FCA authorisation.

Simon recently joined Billing Finance as CEO in June this year. With nearly 30 years’ experience in financial services, including 17 years at GE Capital, Simon has worked in consumer finance, mortgages and motor finance including roles in America and Hong Kong, giving him a unique perspective of different markets and asset classes.

Tony Mott leads Sales for UK & Ireland at C&R Software, supporting organisations across financial services, government, debt collection agencies, telecoms, and utilities to modernise their collections and recoveries strategies. With nearly 20 years’ experience at organisations including Equifax, Experian, and Creditsafe, he brings deep expertise in credit, risk, and customer engagement, with a strong track record of driving growth and building strategic partnerships.

Lindsay is Head of Risk at Novuna Consumer Finance, part of Mitsubishi HC Capital UK plc. She has extensive risk experience in both consumer credit and retail banking, working for a wide range of organisations including HSBC, National Australia Group and Non-Standard Finance. In her current role with Novuna, Lindsay leads a team of circa. 100 risk professionals responsible for Risk Analytics, Financial Modelling, Collections, Financial Crime, Risk Operations, Corporate Risk and Enterprise Risk. Outside of work Lindsay is a member of Credit Strategy’s Credit500 club, Special Advisor for The National Emergencies Trust and Non-Exec Director of Leeds Credit Union.

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Lindsay is Head of Risk at Novuna Consumer Finance, part of Mitsubishi HC Capital UK plc. She has extensive risk experience in both consumer credit and retail banking, working for a wide range of organisations including HSBC, National Australia Group and Non-Standard Finance. In her current role with Novuna, Lindsay leads a team of circa. 100 risk professionals responsible for Risk Analytics, Financial Modelling, Collections, Financial Crime, Risk Operations, Corporate Risk and Enterprise Risk. Outside of work Lindsay is a member of Credit Strategy’s Credit500 club, Special Advisor for The National Emergencies Trust and Non-Exec Director of Leeds Credit Union.

Mark has over 20 years experience within collections, he currently leads Collections, Customer Services, Recoveries and Asset Disposals at fintech Oodle Finance. He previously worked at MotoNovo Finance (First Rand Bank), TSB Bank, GE Money, Investec etc.

Jason has over twenty years’ experience in strategy development, risk, and communications. He was one of the UK’s first Chartered PR practitioners and has experience in creating strategies in some of the most challenging environments for both the private and public sectors.  He has increasingly focussed on risk and strategy in financial services over recent years. He is currently CEO of a trade association for companies providing alternative lending. Helping firms adapt to the changing regulation of consumer credit, engaging directly with the FCA on issues of policy and supervision. Jason's commercial experience includes work within financial services, energy, infrastructure development, and housing. Work during the banking crisis with one of the largest UK banks, and then a challenger bank, led to his involvement in the consumer credit sector, including supporting firms seeking FCA authorisation.

Joanna Finlay is Inclusive Transformation Lead at Sopra Steria Financial Services. She works with organisations to transform customer experiences for vulnerable and excluded people. This includes outcomes-focussed cultural change, embedding Inclusive design and data-led innovation around digital migration.

Joanna’s passion for financial inclusion developed through 16 years’ experience in retail banking, across strategy, product management and developing purpose-led culture. She advocated access to bank accounts for homeless people as Young Banker of the Year 2017, was formerly a member of the CSJ’s Financial Inclusion policy unit board and the Affordable Credit Access Group, and is a TEDx speaker.

Sue is Chief Executive of the Chartered Institute of Credit Management (CICM), the largest recognised professional body in the world for the credit management and collections community.   With over 30 years’ experience in operational credit management across finance, utilities and public sector, Sue is passionate about good business practice, improving cash flow and raising the profile of this critical role within companies and government. She also sits on a number of industry and UK government-led bodies.   The Chartered Institute of Credit Management is advancing the profession by raising awareness, developing and promoting best practice and supporting its members across all roles that sit within the credit management lifecycle. Providing ongoing support, development, qualifications, networking and access to a wide range of resources. CICM was instrumental in developing and supporting the Prompt Payment Code for BEIS and continues to work closely with it.

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About James: James Atkin is a distinguished legal leader and a key member of the Equifax Board, currently serving as General Counsel for Europe. Since joining Equifax over 11 years ago, James has been instrumental in shaping the company’s legal landscape, providing strategic oversight for all governance matters and legal advice across the European business. His leadership was notably marked by the successful restructuring of the UK legal function, an initiative that fostered such high levels of collaboration and efficiency that the department was awarded the ‘Team of the Year’ accolade within its first full year. During his tenure as UK Head of Legal and Senior Counsel, James played a pivotal role in modernising the firm’s approach to commercial, privacy, and litigation activities. By bringing these essential services in-house, he ensured a more agile and cost-effective delivery model that directly supported the business’s commercial ambitions. His focus on defining complex, high-value agreements and navigating the evolving demands of data privacy has been foundational to Equifax’s operational integrity and growth. James’s expertise is underpinned by an extensive career in highly regulated sectors, including leadership positions at The Co-operative Group and Lloyds Banking Group. With earlier experience at the Ministry of Defence and several years in private practice, James brings a wealth of knowledge in risk management and regulatory compliance to the Equifax leadership team, ensuring the business remains at the forefront of the financial services industry. About Equifax At Equifax (NYSE: EFX), we believe knowledge drives progress. As a global data, analytics, and technology company, we play an essential role in the global economy by helping financial institutions, companies, employers, and government agencies make critical decisions with greater confidence. Our unique blend of differentiated data, analytics, and cloud technology drives insights to power decisions to move people forward. Headquartered in Atlanta and supported by nearly 15,000 employees worldwide, Equifax operates or has investments in 24 countries in North America, Central and South America, Europe, and the Asia Pacific region. Equifax Ltd is one of the Equifax group companies based in the UK. Equifax Ltd is authorised and regulated by the Financial Conduct Authority. For more information, visit equifax.co.uk and follow the company’s news on LinkedIn.

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Former diplomat Priya Guha MBE works across technology, innovation and geopolitics with roles in venture capital, start ups, government and on the boards of UK-listed businesses.

Previously she was the UK Ecosystem General Manager for RocketSpace, a technology campus for high-growth start ups that helps them scale. Prior to entering the tech sector, Priya was British Consul General in San Francisco, the latest role in an international diplomatic career that had previously taken in postings in New Delhi and Madrid.

Priya focuses on technological change, the implications for business and government and the leadership skills needed to thrive in this changing world. As well as looking at how the most cutting-edge companies in the world operate and influence, she also examines the intersection of technology and geopolitics, from the nature of regulation to who will emerge as the power brokers of tomorrow.

Priya also discusses the global context of digital transformation, looking to her experience of Silicon Valley and India to bring this to life. She also considers the strong leadership traits needed to thrive in the age of artificial intelligence. She stresses that modern innovation comes from creativity and diversity, and understanding this shift in culture is a key ingredient to good leadership.

As well as her role as Venture Partner at the pioneering California-based VC Merian Ventures, Priya is a member of the Investment Governance Board of Future Planet Capital, an impact-led venture capital firm built to back innovative companies from the world's top universities and research ecosystems. She is a Non-Executive Director at Reach plc, the Herald Investment Trust, UK Research & Innovation, deep tech innovation organisation the Digital Catapult and GB Badminton. Priya also Chairs the Durham University Business School International Advisory Board and the Federation of Indian Chambers of Commerce and Industry UK Industry Advisory Board, and is Associate Faculty at the Ashridge Hult Business School. In addition, she is on the Advisory Board of Global Tech Advocates and a Trustee at Tech She Can, a charity whose mission is to make technology careers more inclusive and accessible for all. Priya was awarded an MBE for services to international trade and women in innovation.