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!

-

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.

Adam has over a decade of experience in governance, risk and compliance in financial services and telecommunications. Adam is currently the Head of Compliance at Creditspring and has previously held roles at Virgin Media O2 including leading the FCA compliance function and serving as the Deputy MLRO, at Huntswood as a senior regulatory consultant, and is a former regulator having worked for six years at the FCA.  Adam also mentors young people from underrepresented backgrounds who are starting their career journeys. Adam holds a Diploma in Governance, Risk and Compliance and is an active member of the International Compliance Association.

-

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.

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

-

Victoria has worked in the Credit industry for over 20 years, carving out an inspirational career which has seen her develop from an administrator in point-of-sale finance, to a Senior Leader of Product, Propositions & Marketing, and Consumer Duty Board Champion in the Motor Finance industry.

Recently appointed Chair of Credit Strategy's Women & Diversity in Credit Steering Committee, Victoria is a passionate advocate for creating inclusive and equitable workplaces.

Her commitment and passion for the industry saw her being awarded Outstanding Returner at Credit Strategy Women in Credit Awards 2023.

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.

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.

-

-

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

-

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!

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.

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.

-

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.

Victoria has worked in the Credit industry for over 20 years, carving out an inspirational career which has seen her develop from an administrator in point-of-sale finance, to a Senior Leader of Product, Propositions & Marketing, and Consumer Duty Board Champion in the Motor Finance industry.

Recently appointed Chair of Credit Strategy's Women & Diversity in Credit Steering Committee, Victoria is a passionate advocate for creating inclusive and equitable workplaces.

Her commitment and passion for the industry saw her being awarded Outstanding Returner at Credit Strategy Women in Credit Awards 2023.

Giacomo Rossi is Head of Go-to-Market at Murphy AI, a Barcelona-born global company deploying AI agents for debt collection for the world's largest lenders. With a background in engineering and global operations, he specialises in designing solutions for large enterprises and bridging the gap between the technical aspects of state-of-the-art AI models and lenders' most painful problems.

Borja Solé i Fauria is Co-Founder and CEO of Murphy AI, a Barcelona-born company building AI voice agents for debt collection across global banks and lenders. He founded Murphy on the conviction that collections is broken for lenders and customers alike, and AI can finally fix both sides at once. Under his leadership, Murphy has raised ~$15M from Northzone, Lakestar, ElevenLabs, and Seedcamp, and now runs collections for some of the world's largest financial institutions.

Colin Whitmore is a recognised subject matter expert in Financial Crime strategy and innovation, bringing over two decades of experience across banking and financial services. He has worked with leading institutions including Thomson Reuters, Aviva, Barclays, the Royal Bank of Scotland, HSBC, and NatWest.

For the past 15 years, Colin has specialised in Financial Crime, advising senior leaders on strategy, technology, innovation, and architectural transformation. His work focuses on designing integrated solutions that combine data, technology, process, and advanced analytical approaches to strengthen Financial Crime prevention.

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.

-

-

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

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.

Katie qualified as a Social worker in 2013 and remains in this front line practice today for the emergency out of hours team for a local authority whilst also working for Octopus Energy as Head of service for social work since May 2023. Katie is a dual practice social worker with systemic training working in both the adult and children's sector which provides a good knowledge base and understanding of how best to support customers as individuals; no matter what their needs are, in a holistic approach at Octopus Energy.

Lawrence Byers is a Senior Product Manager at Acquired, 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!

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.