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Driving better outcomes: rethinking our go-to-market approach for auto and asset finance
Edward Peck
CEO - Asset Finance Connect
John Phillipou
Chair - FLA
John is Managing Director of SME Lending at Paragon Bank and his career spans over 25 years in business lending, both in the UK and globally, including roles with Bank of Scotland, JCB Finance, Citigroup and as International MD for Deutsche Leasing.
David Betteley
Community Head, Auto Finance - Asset Finance Connect
Preparatory briefing from two tech focused equipment and auto finance specialists on how to get the best from today’s AI workshops
Richard Huston
Managing Director - VAMOS
Richard has a background in implementing technology solutions for the financial services sector across the UK, US and Europe.
He specialises in helping organisations use the latest technologies effectively to improve operational capabilities and deliver real value. His expertise spans system architecture, data infrastructure, and digital transformation, with a particular focus on the responsible integration of artificial intelligence.
As Managing Director and co-founder of VAMOS, Richard works with financial organisations to develop effective strategies for AI adoption, focused on empowering humans rather than replacing them.
Chris Kirby
CEO - Tomorrow's Journey
Chris has been speaking about how technology will change the automotive landscape since he published a white paper on the subject in 2017. Since then, he founded Tomorrow's Journey, an Enterprise SaaS platform that enables automotive brands to launch and scale fully digital solutions, working globally with the likes of Hyundai, Jaguar and Leaseplan.
Chris Kirby has a diverse career spanning multiple roles in the automotive industry including as a Strategic Advisor at Autofutura Limited, as the Automotive Director at WeCreateClarity and as the Head of Business Development at FGA Capital UK Ltd.
As well as speaking at events across the globe, Chris also hosts the Autocar Change Makers Podcast, where he regularly meets and engages with automotive industry leaders on the future of the industry.
John Murray
Director, Office of the CTO - Alfa
Practitioners’ Panel
AFC’s panel of practitioners invited to comment on the topics raised in the session interviews
Nova Everidge Director of Asset Finance - Metro Bank; Sonia Gola, Senior Policy Manager - Finance & Leasing Association.
I am currently a Senior Policy Advisor in the Asset Finance Division at the Finance and Leasing Association. I have played an intergalactic part in fraud prevention strategy during my time in the Motor Industry and continuously find innovate solution for an ever growing threat.
I review Compliance and Complaints for numerous businesses in the finance industry as well as producing guidance and toolkits to deal with the every changing financial landscape.
Panellists include
Helena Thernstrom
Board Member - The Leasing Foundation
Practitioners’ Panel
AFC’s panel of practitioners invited to comment on the topics raised in the session interviews
Amanda Mumby, Country Sales Manager - Construction, Transport & Industrial, DLL
Richard Davies
CEO - Allica Bank
Before joining Allica, Richard was group COO at digital bank Revolut.
Prior to that he was CEO of OakNorth and held leadership roles at TSB and HSBC.
Christian Roelofs
CEO - Finativ
Christian is the CEO of Finativ and an experienced executive, specialising in asset finance.
With an extensive career in financial services, Christian has established himself as a respected leader in the sector, combining deep corporate finance and M&A expertise with hands-on business management experience.
As a Chartered Accountant, he brings analytical rigour and strategic insight to every engagement, whether advising on complex transactions or delivering strategic transformation.
David Betteley
Community Head, Auto Finance - Asset Finance Connect
David Betteley started his career in Financial Services as a graduate trainee with Lloyds and Scottish Finance (part of the Lloyds Bank Group) in Manchester in the late 70’s. In 1989 he joined the International Motors Group (IM) to set up their in-house Finance Company in the UK to support the Hyundai and Subaru brands. Staying with IM, he moved to Sweden in 1992 to run the vehicle distribution operations for IM in Scandinavia, Russia and the Baltic states.
In 1996 he moved back to the UK to become MD of Vauxhall Finance and successfully managed the transition from 7 branches to one central location. In 1998 he was recruited by Toyota to insource their Financial Services operations in the UK. He went on to become a Senior Vice President when he had the responsibility for overall operations, sales and marketing and the development of new markets for both Toyota and Lexus in the Europe and Africa region.
During this 12 year period at Toyota he also served as a Pension Trusteee which gives him good experience to serve in a similar capacity at JLR. In 2010 David joined Jaguar Land Rover as Global Financial Services Director, retiring in July 2017. David now works as an independent advisor to Genpact Ltd and other companies. His main non-executive role has been as Chairman of the Finance and Leasing Association in the UK during the period May 2007 to May 2010.
David holds an MBA from Aston Business School Outside work his time is mainly devoted to his family. However he enjoys the occasional game of golf and still follows closely the fortunes of Manchester City.
Wayne Gibbard
Partner - Shoosmiths
Wayne leads the automotive finance practice for Shoosmiths.
Prior to joining Shoosmiths, Wayne spent 25 years working in-house in senior and executive roles at international, blue chip financial services and automotive businesses including: Volkswagen Financial Services; GMAC; NatWest (including Lombard and Invoice Finance), Cisco and Santander Consumer UK.
Wayne has extensive experience of scoping, leading and implementing domestic and international projects, particularly focused on strategically important restructuring and regulatory change.
He specialises in regulated and unregulated asset finance, consumer credit and retail finance, with a depth of experience in motor finance. Wayne is also recognised for his experience in regulatory compliance and oversight activity.
Adrian Dally
Director of Motor Finance & Strategy - Finance & Leasing Association
Adrian Dally is Director of Motor Finance & Strategy at the Finance and Leasing Association (FLA).
Before joining the FLA, Adrian spent 26 years in policy-making roles in Whitehall and Brussels, specialising in a number of areas including financial services, consumer protection policy, competition and the European Union.
During this time he fulfilled a number of roles, including as a UK negotiator in the EU institutions and as private secretary to two cabinet ministers. His last role was at the Financial Ombudsman Service, where he was its Head of Policy.
Richard Hoggart
Group CEO - DSG Finance Group
Richard has been at DSG since 1990 and negotiated an MBO in 1998 effectively re-founding the business. Having built the business through several economic and credit cycles,
Richard then oversaw the investments from both Promethean and Magnetar to bring DSG to the dominant position it now holds in UK car finance as the only lender-broker hybrid.
Richard has developed a talented management team and succession path, ensuring DSG will endure in the long term.
Michael Stewart
Senior Manager – Mazda Wholesale Finance - Mazda Financial Services
Management of Wholesale Funding and Risk , cash and funding trigger management, across syndicated funding markets. Primary responsibility for funding and credit risk for Germany, Italy, Netherlands and Benelux in conjunction with local risk teams.
Ian Plummer
Commercial Director - Auto Trader
Ian joined the Company in 2017 and is responsible, in particular, for growing Auto Trader’s new car business. With 20 years of automotive experience with several brands, he is responsible for building meaningful relationships with all UK automotive manufacturers as well as their retailers to enable the development of solutions to drive new value and revenue to them, in both the new and used car space. Ian also oversees the Manufacturer and Agency part of Auto Trader, tasked with delivering commercial value and growth.
Previously Ian worked at Volkswagen, where he was Director of Sales Operations in the UK, responsible for all UK Volkswagen passenger car sales as well as the franchise management and commercial programmes.
Ian was also the former Managing Director of Renault Retail Group responsible for 25 Renault and Nissan dealerships, and prior to that held various international marketing, after-sales and e-business roles at Renault’s headquarters in Paris. Ian holds a BA (Hons) from Loughborough University in Economics, Politics and French, and an MBA from IMD-Theseus Institute in France.
Supreme Court – where we are, what happens next
Market conditions – briefing on current trends
Market structure
Dan Bailey
Managing Director - Arkle Finance
Dan’s career has developed in parallel with the growth of Arkle where he has acquired front line experience across a range of functions during his 15-year career in Asset Finance.
Working under the tutelage of his predecessor, Stephen Bassett, Dan joined the Board in 2015 and was appointed to the role of Executive Director two years later.
When not at work, Dan enjoys an active lifestyle, spends time with family and supports his local community.
John Rees
Community Head, Equipment Finance - Asset Finance Connect
John Rees has worked in equipment finance for over 40 years, most recently with Societe Generale’s equipment finance subsidiary, where he focused on the UK, Australian, and Chinese markets before joining the bank’s headquarters in Paris with global responsibility for sales and marketing.
Jon Maycock
Commercial Director - Propel Finance
Jon Maycock has over two decades of experience in the SME lending market, encompassing various commercial and leadership roles. He has a proven track record of scaling asset finance businesses through direct, intermediary and vendor channels. Jon is passionate about achieving outstanding results for customers by leveraging exceptional people and cutting-edge technologies.
Jim Higginbotham
CEO - NACFB
With more than 30 years of experience in the commercial finance industry, Jim brings a wealth of knowledge to the role of CEO.
Jim most recently served as Group CEO at STAR Asset Finance, where he led the brokerage through a period of substantial change, enhancing the risk control framework, upgrading the IT infrastructure, centralising the core business functions across four previously independent brokerages and increasing the group balance sheet by 50%.
He has previously held senior roles at Lombard, Barclays, and GE Capital, where he developed an extensive understanding of asset finance, risk management, and stakeholder engagement across a variety of financial sectors.
Christian Roelofs
CEO - Finativ
Christian is the CEO of Finativ and an experienced executive, specialising in asset finance.
With an extensive career in financial services, Christian has established himself as a respected leader in the sector, combining deep corporate finance and M&A expertise with hands-on business management experience.
As a Chartered Accountant, he brings analytical rigour and strategic insight to every engagement, whether advising on complex transactions or delivering strategic transformation.
Katrin Herrling
CEO & Co-Founder - Funding Xchange
Katrin has been managing her family’s dairy farm for more than 15 years. She has helped to grow the farm and transform the operations. The business is much more than a source of income. It is a huge part of her family life.
Katrin has always worked with her bank to finance the farm and ensure smooth cash flow, but ran into difficulties in 2010 when her bank manager doubled her cost of credit overnight.
The frustration of running from one bank to another to secure offers inspired Funding Xchange. Katrin is passionate about making it easy, quick and transparent for businesses to find finance.
It probably helped that Katrin had a parallel career advising large banks and financial firms and understood that they often were not the right answer for a small business that needed funding. So, Funding Xchange sets out to get business owners in the position where they can easily compare terms available from many providers, increasing the chances that one of the offers is going to be right for the business.
David Betteley
Community Head, Auto Finance - Asset Finance Connect
David Betteley started his career in Financial Services as a graduate trainee with Lloyds and Scottish Finance (part of the Lloyds Bank Group) in Manchester in the late 70’s. In 1989 he joined the International Motors Group (IM) to set up their in-house Finance Company in the UK to support the Hyundai and Subaru brands. Staying with IM, he moved to Sweden in 1992 to run the vehicle distribution operations for IM in Scandinavia, Russia and the Baltic states.
In 1996 he moved back to the UK to become MD of Vauxhall Finance and successfully managed the transition from 7 branches to one central location. In 1998 he was recruited by Toyota to insource their Financial Services operations in the UK. He went on to become a Senior Vice President when he had the responsibility for overall operations, sales and marketing and the development of new markets for both Toyota and Lexus in the Europe and Africa region.
During this 12 year period at Toyota he also served as a Pension Trusteee which gives him good experience to serve in a similar capacity at JLR. In 2010 David joined Jaguar Land Rover as Global Financial Services Director, retiring in July 2017. David now works as an independent advisor to Genpact Ltd and other companies. His main non-executive role has been as Chairman of the Finance and Leasing Association in the UK during the period May 2007 to May 2010.
David holds an MBA from Aston Business School Outside work his time is mainly devoted to his family. However he enjoys the occasional game of golf and still follows closely the fortunes of Manchester City.
Wayne Gibbard
Partner - Shoosmiths
Wayne leads the automotive finance practice for Shoosmiths.
Prior to joining Shoosmiths, Wayne spent 25 years working in-house in senior and executive roles at international, blue chip financial services and automotive businesses including: Volkswagen Financial Services; GMAC; NatWest (including Lombard and Invoice Finance), Cisco and Santander Consumer UK.
Wayne has extensive experience of scoping, leading and implementing domestic and international projects, particularly focused on strategically important restructuring and regulatory change.
He specialises in regulated and unregulated asset finance, consumer credit and retail finance, with a depth of experience in motor finance. Wayne is also recognised for his experience in regulatory compliance and oversight activity.
Adrian Dally
Director of Motor Finance & Strategy - Finance & Leasing Association
Adrian Dally is Director of Motor Finance & Strategy at the Finance and Leasing Association (FLA).
Before joining the FLA, Adrian spent 26 years in policy-making roles in Whitehall and Brussels, specialising in a number of areas including financial services, consumer protection policy, competition and the European Union.
During this time he fulfilled a number of roles, including as a UK negotiator in the EU institutions and as private secretary to two cabinet ministers. His last role was at the Financial Ombudsman Service, where he was its Head of Policy.
I am driven by curiosity and motivated by change, a problem solver who brings teams together with a shared purpose; to investigate root causes, design fixes, simplify and automate processes, to resolve for customers. I am a passionate and enthusiastic leader, creating an open and positive culture where colleagues feel supported and able to fulfil their potential. An extrovert, I am at my best when leading new thinking, challenging the status quo and bringing diverse groups who think differently together, towards shared goals and objectives.
Comfortable leading in ambiguous and complex situations, I have a track record in delivering large rectification programmes, improving business processes and supporting senior leaders to respond to regulatory change. I bring an extensive and practical knowledge of risk and control frameworks, data process design, corporate governance, consumer banking products, processes and regulation.
Richard has been at DSG since 1990 and negotiated an MBO in 1998 effectively re-founding the business. Having built the business through several economic and credit cycles,
Richard then oversaw the investments from both Promethean and Magnetar to bring DSG to the dominant position it now holds in UK car finance as the only lender-broker hybrid.
Richard has developed a talented management team and succession path, ensuring DSG will endure in the long term.
Technology and cultural changes are driving changes in vendor finance.
We talk to BPCE managing director, Dominic Hughes about the market, and BPCE plans for the new business in the UK
Dominic Hughes
Managing Director - BPCE Equipment Solutions
Leasing Professional, operating at Director level, with 25 years experience in sales and operations working with UK and International vendors across a variety of equipment sectors.
Have proven management, sales, documentation and negotiation skills. Before joining Societe Generale Equipment Finance held sales positions assisting vendors and resellers grow their sales through the use of finance across diverse markets including IT, Office Equipment, Printing, Machine Tools and Fork Lift Trucks.
John Rees
Community Head, Equipment Finance - Asset Finance Connect
John Rees has worked in equipment finance for over 40 years, most recently with Societe Generale’s equipment finance subsidiary, where he focused on the UK, Australian, and Chinese markets before joining the bank’s headquarters in Paris with global responsibility for sales and marketing.
Richard Bearman
Co Chief Banking Officer - British Business Bank
Richard Bearman has over 25 years’ experience in the banking sector and over that time has developed a real passion for working with and supporting entrepreneurs.
Richard oversees the Banking Relationship Management function, which helps to support a consistent and holistic approach towards the Bank’s delivery partners.
He was previously Managing Director, Small Business Lending at the Bank, which included responsibility for the Start Up Loans programme, which was rated by Forbes as its top-rated Small Business Loan and Start up Loan for three consecutive years.
Prior to joining the Bank, Richard was UK Head of Small Business at HSBC, where he led and supported colleagues serving the UK SME market via face to face, telephony and digital channels. Richard set the strategic direction and led the business to evolve its channels and grow its customer base. Under Richard’s leadership, HSBC was voted Best Business Banking Provider in the Smart Money People British Bank Awards and Best Online Banking Provider in the Business Moneyfacts Awards.
Anna Roughley
Head of Insight and Engagement - Lending Standards Board
Anna has worked at the LSB since 2018, starting as Head of Insight.
Prior to this, she spent just over 4 years at Wright Hassall LLP as Head of Risk & Compliance and 4.5 years at HSBC working with the risk and audit sectors.
Christian Roelofs
CEO - Finativ
Christian is the CEO of Finativ and an experienced executive, specialising in asset finance.
With an extensive career in financial services, Christian has established himself as a respected leader in the sector, combining deep corporate finance and M&A expertise with hands-on business management experience.
As a Chartered Accountant, he brings analytical rigour and strategic insight to every engagement, whether advising on complex transactions or delivering strategic transformation.
Whatever the outcome from the Supreme Court, investor risk tolerances seem likely to drive change in the industry’s go to market strategy
David Betteley
Community Head, Auto Finance - Asset Finance Connect
David Betteley started his career in Financial Services as a graduate trainee with Lloyds and Scottish Finance (part of the Lloyds Bank Group) in Manchester in the late 70’s. In 1989 he joined the International Motors Group (IM) to set up their in-house Finance Company in the UK to support the Hyundai and Subaru brands. Staying with IM, he moved to Sweden in 1992 to run the vehicle distribution operations for IM in Scandinavia, Russia and the Baltic states.
In 1996 he moved back to the UK to become MD of Vauxhall Finance and successfully managed the transition from 7 branches to one central location. In 1998 he was recruited by Toyota to insource their Financial Services operations in the UK. He went on to become a Senior Vice President when he had the responsibility for overall operations, sales and marketing and the development of new markets for both Toyota and Lexus in the Europe and Africa region.
During this 12 year period at Toyota he also served as a Pension Trusteee which gives him good experience to serve in a similar capacity at JLR. In 2010 David joined Jaguar Land Rover as Global Financial Services Director, retiring in July 2017. David now works as an independent advisor to Genpact Ltd and other companies. His main non-executive role has been as Chairman of the Finance and Leasing Association in the UK during the period May 2007 to May 2010.
David holds an MBA from Aston Business School Outside work his time is mainly devoted to his family. However he enjoys the occasional game of golf and still follows closely the fortunes of Manchester City.
Wayne Gibbard
Partner - Shoosmiths
Wayne leads the automotive finance practice for Shoosmiths. Prior to joining Shoosmiths, Wayne spent 25 years working in-house in senior and executive roles at international, blue chip financial services and automotive businesses including: Volkswagen Financial Services; GMAC; NatWest (including Lombard and Invoice Finance), Cisco and Santander Consumer UK. Wayne has extensive experience of scoping, leading and implementing domestic and international projects, particularly focused on strategically important restructuring and regulatory change. He specialises in regulated and unregulated asset finance, consumer credit and retail finance, with a depth of experience in motor finance. Wayne is also recognised for his experience in regulatory compliance and oversight activity.
Adrian Dally
Director of Motor Finance & Strategy - Finance & Leasing Association
Adrian Dally is Director of Motor Finance & Strategy at the Finance and Leasing Association (FLA).
Before joining the FLA, Adrian spent 26 years in policy-making roles in Whitehall and Brussels, specialising in a number of areas including financial services, consumer protection policy, competition and the European Union.
During this time he fulfilled a number of roles, including as a UK negotiator in the EU institutions and as private secretary to two cabinet ministers. His last role was at the Financial Ombudsman Service, where he was its Head of Policy.
Management of Wholesale Funding and Risk , cash and funding trigger management, across syndicated funding markets. Primary responsibility for funding and credit risk for Germany, Italy, Netherlands and Benelux in conjunction with local risk teams.
John Rees
Community Head, Equipment Finance - Asset Finance Connect
John Rees has worked in equipment finance for over 40 years, most recently with Societe Generale’s equipment finance subsidiary, where he focused on the UK, Australian, and Chinese markets before joining the bank’s headquarters in Paris with global responsibility for sales and marketing.
Dominic Hughes
Managing Director - BPCE Equipment Solutions
Dominic joined in 2006 as Head of Technology developing the small ticket business and growing market share with predominantly international IT vendors and IT lessors and after 6 years he became Operational Business Development Director.
Prior to this, Dominic joined the industry in 1994 as a graduate trainee at Hitachi Credit and then held various sales positions assisting vendors and resellers grow their sales through the use of finance across diverse markets including IT, Office Equipment, Printing, Machine Tools and Material Handling.
His role as Joint Managing Director sees him responsible for overseeing the Sales and Customer facing areas of the business.
Dominic holds a Finance & Leasing Association (FLA) Diploma and has a degree in German and Management Science from Keele University.
Jon Souch
General Manager, EMEA - Lenovo Global Financial Services
Jon Souch is an experienced sales leader and financial services professional with a proven track record across multiple product, vertical and international markets.
At Lenovo Global Financial Services, he leads the EMEA region, ensuring their customers have access to a comprehensive range of commercial solutions that allow them to invest in industry leading technology in the most flexible, scalable and cost efficient manner.
Mat Llewellyn
director | EMEA & LATAM deal desk - Palo Alto
With two decades plus experience in the IT industry, Mathew has held multiple senior leadership roles covering FP&A, treasury, sales finance, sales enablement and solutioning, and payment solution sales, furnishing him with a unique perspective on how finance and financing, may be used to differentiate products and proposals and supercharge sales, and he has a track record to prove it!
His professional journey has been grounded in the technology sector, from his earliest roles with EDS in FP&A, treasury and corporate finance, to his long career with HP and HPE, where he has been at the forefront of inventive IT leasing, financing and sales enablement programmes, to his current role at PAN where he set up and leads the international captive finance company.
Mathew is considered the ‘go-to’ person for captive finance company setup, development of innovative financing and payment solutions, and sales process transformation, with exposure to international markets. Considered a Subject Matter Expert (SME), Mathew was selected to negotiate and agree the finance and financing standard UK Government contract language with HMT, on behalf of the UK IT industry.
Dr Lee Summers
Senior Solutions Architect - Solifi
Interactive discussion led by David Betteley
David Betteley
Community Head, Auto Finance - Asset Finance Connect
David Betteley started his career in Financial Services as a graduate trainee with Lloyds and Scottish Finance (part of the Lloyds Bank Group) in Manchester in the late 70’s. In 1989 he joined the International Motors Group (IM) to set up their in-house Finance Company in the UK to support the Hyundai and Subaru brands. Staying with IM, he moved to Sweden in 1992 to run the vehicle distribution operations for IM in Scandinavia, Russia and the Baltic states.
In 1996 he moved back to the UK to become MD of Vauxhall Finance and successfully managed the transition from 7 branches to one central location. In 1998 he was recruited by Toyota to insource their Financial Services operations in the UK. He went on to become a Senior Vice President when he had the responsibility for overall operations, sales and marketing and the development of new markets for both Toyota and Lexus in the Europe and Africa region.
During this 12 year period at Toyota he also served as a Pension Trusteee which gives him good experience to serve in a similar capacity at JLR. In 2010 David joined Jaguar Land Rover as Global Financial Services Director, retiring in July 2017. David now works as an independent advisor to Genpact Ltd and other companies. His main non-executive role has been as Chairman of the Finance and Leasing Association in the UK during the period May 2007 to May 2010.
David holds an MBA from Aston Business School Outside work his time is mainly devoted to his family. However he enjoys the occasional game of golf and still follows closely the fortunes of Manchester City.
John Rees
Community Head, Equipment Finance - Asset Finance Connect
John Rees has worked in equipment finance for over 40 years, most recently with Societe Generale’s equipment finance subsidiary, where he focused on the UK, Australian, and Chinese markets before joining the bank’s headquarters in Paris with global responsibility for sales and marketing.
Wayne Gibbard
Partner - Shoosmiths
Wayne leads the automotive finance practice for Shoosmiths.
Prior to joining Shoosmiths, Wayne spent 25 years working in-house in senior and executive roles at international, blue chip financial services and automotive businesses including: Volkswagen Financial Services; GMAC; NatWest (including Lombard and Invoice Finance), Cisco and Santander Consumer UK.
Wayne has extensive experience of scoping, leading and implementing domestic and international projects, particularly focused on strategically important restructuring and regulatory change.
He specialises in regulated and unregulated asset finance, consumer credit and retail finance, with a depth of experience in motor finance. Wayne is also recognised for his experience in regulatory compliance and oversight activity.
Christian Roelofs
CEO - Finativ
The tech-lender specialists session which evaluates new tech and new use cases which seem to deliver value to the industry and identifies the best.
Our judges are:
Steve Taplin
Managing Director - Lendscape
With over 25 years in technology solutions to the asset finance and now receivables finance domains, Steve’s extensive experience sees him lead the Sales, Marketing and Software Engineering functions at Lendscape.
He is passionate about helping financial institutions understand how technology can be used to achieve operational excellence while engaging more deeply with their customers and is motivated by the belief that technology can provide opportunities to deliver more customer-centric approaches.
Before joining Lendscape, he co-founded Finaptix, acquired by Lendscape in 2019, and served as Managing Director and Global Sales & Marketing Director at Alfa for a combined tenure of over 22 years.
A regular contributor to industry journals and events, Steve’s specialities include asset finance, technology strategy, software development, digitalization, servitization and hyper-automation.
He holds a PhD in Physics from the University of Kent.
Cat Powell
Head of Data Insight and Automation - Novuna Business Finance
Cat is the Head of Data Insight & Automation at Novuna Business Finance. After completing her PhD at Imperial College London, Cat joined Alfa Financial Services initially as a software developer before moving into project management working. After five years with Alfa, Cat moved to Novuna Business Finance as Strategic Change Manager, leading the company’s largest digital transformation to date.
Having joined the Business Finance Senior Leadership team in Feb 2024, Cat now leads a multi-disciplinary team with a focus on maximising the business unit’s data capabilities, developing business insights and achieving automation & auto-decisioning efficiencies.
Combining extensive consultancy experience with technical software development skills and a scientific research background, Cat provides a unique viewpoint to defining innovation and change within Business Finance. Passionate about giving back and promoting technological advancement, Cat has worked with the Leasing Foundation for the number of years supporting diversity and inclusion and, more recently, leading the promotion by LF of Innovation within the industry.
Andy Trimmer
Head of Technology - Simply
Andy has worked at Simply since January 2018, starting off as their Head of IT before gaining promotion to his current role of Head of Technology.
Prior to this, he spent 5 years at Close Brothers and has a BSc in Criminology with Forensic Studies from the University of Portsmouth.
Richard Huston
Managing Director - VAMOS
Richard has a background in implementing technology solutions for the financial services sector across the UK, US and Europe.
He specialises in helping organisations use the latest technologies effectively to improve operational capabilities and deliver real value. His expertise spans system architecture, data infrastructure, and digital transformation, with a particular focus on the responsible integration of artificial intelligence.
As Managing Director and co-founder of VAMOS, Richard works with financial organisations to develop effective strategies for AI adoption, focused on empowering humans rather than replacing them.
Jason Hurwitz
Sales Director of Europe - NETSOL Technologies
In this pivotal role, Jason is responsible for driving the sales strategy and fostering growth across NETSOL's innovative portfolio of products and services for the European region. Most recently, Jason worked with Aldermore Bank for nearly six years, where he was the product lead for a large group wide transformation program. He also led strategy, innovation, commercial insights, tech transformation, and growth initiatives for Aldermore’s SME lending division, with a particular focus on asset finance, working closely with MotoNovo Finance, Aldermore’s motor finance business.
Prior to his roles at Aldermore, Jason worked at Close Brothers Asset Finance for five years where he led several sales transformation programs, and facilitated strategic relationship development, growth initiatives and long-term strategy development. He also has experience as a business founder and entrepreneur, providing him with unique insights into end customer value in SME lending and banking. He began his career as an investment banker in the equity derivatives division at UBS.
Graham Lines
Head of Product - Novuna Business Finance
Graham has worked at Novuna Business Finance since 2013, starting as Head of Operations when it was branded as Hitachi Capital.
Prior to this, Graham was a Senior Manager at ING Lease.
Richard has a background in implementing technology solutions for the financial services sector across the UK, US and Europe.
He specialises in helping organisations use the latest technologies effectively to improve operational capabilities and deliver real value. His expertise spans system architecture, data infrastructure, and digital transformation, with a particular focus on the responsible integration of artificial intelligence.
As Managing Director and co-founder of VAMOS, Richard works with financial organisations to develop effective strategies for AI adoption, focused on empowering humans rather than replacing them.
In this pivotal role, Jason is responsible for driving the sales strategy and fostering growth across NETSOL's innovative portfolio of products and services for the European region. Most recently, Jason worked with Aldermore Bank for nearly six years, where he was the product lead for a large group wide transformation program. He also led strategy, innovation, commercial insights, tech transformation, and growth initiatives for Aldermore’s SME lending division, with a particular focus on asset finance, working closely with MotoNovo Finance, Aldermore’s motor finance business.
Prior to his roles at Aldermore, Jason worked at Close Brothers Asset Finance for five years where he led several sales transformation programs, and facilitated strategic relationship development, growth initiatives and long-term strategy development. He also has experience as a business founder and entrepreneur, providing him with unique insights into end customer value in SME lending and banking. He began his career as an investment banker in the equity derivatives division at UBS.
Graham has worked at Novuna Business Finance since 2013, starting as Head of Operations when it was branded as Hitachi Capital.
Prior to this, Graham was a Senior Manager at ING Lease.
A highly experienced Sales and Operations Executive with in excess of 20 years practice across Operations, Sales, Project Management and Operational Risk. Recognised as a reliable, conscientious individual with a ‘can-do’ attitude, who maintains excellent relationships with both internal and external customers.
I am driven by curiosity and motivated by change, a problem solver who brings teams together with a shared purpose; to investigate root causes, design fixes, simplify and automate processes, to resolve for customers. I am a passionate and enthusiastic leader, creating an open and positive culture where colleagues feel supported and able to fulfil their potential. An extrovert, I am at my best when leading new thinking, challenging the status quo and bringing diverse groups who think differently together, towards shared goals and objectives.
Comfortable leading in ambiguous and complex situations, I have a track record in delivering large rectification programmes, improving business processes and supporting senior leaders to respond to regulatory change. I bring an extensive and practical knowledge of risk and control frameworks, data process design, corporate governance, consumer banking products, processes and regulation.
Julie Warren holds over 25 years of experience in senior sales and marketing roles within organisations such as Barclays, Aldermore and new fintech startups.
Her expertise spans a wide range of areas including Brand, PR, digital, partnerships, lead generation and social.
Julie has a proven track record of building first-class marketing functions with a strong focus on integrated sales and marketing outputs.
Management of Wholesale Funding and Risk , cash and funding trigger management, across syndicated funding markets. Primary responsibility for funding and credit risk for Germany, Italy, Netherlands and Benelux in conjunction with local risk teams.
Richard has been at DSG since 1990 and negotiated an MBO in 1998 effectively re-founding the business. Having built the business through several economic and credit cycles,
Richard then oversaw the investments from both Promethean and Magnetar to bring DSG to the dominant position it now holds in UK car finance as the only lender-broker hybrid.
Richard has developed a talented management team and succession path, ensuring DSG will endure in the long term.
Chris has been speaking about how technology will change the automotive landscape since he published a white paper on the subject in 2017. Since then, he founded Tomorrow's Journey, an Enterprise SaaS platform that enables automotive brands to launch and scale fully digital solutions, working globally with the likes of Hyundai, Jaguar and Leaseplan.
Chris Kirby has a diverse career spanning multiple roles in the automotive industry including as a Strategic Advisor at Autofutura Limited, as the Automotive Director at WeCreateClarity and as the Head of Business Development at FGA Capital UK Ltd.
As well as speaking at events across the globe, Chris also hosts the Autocar Change Makers Podcast, where he regularly meets and engages with automotive industry leaders on the future of the industry.
Richard Bearman has over 25 years’ experience in the banking sector and over that time has developed a real passion for working with and supporting entrepreneurs.
Richard oversees the Banking Relationship Management function, which helps to support a consistent and holistic approach towards the Bank’s delivery partners.
He was previously Managing Director, Small Business Lending at the Bank, which included responsibility for the Start Up Loans programme, which was rated by Forbes as its top-rated Small Business Loan and Start up Loan for three consecutive years.
Prior to joining the Bank, Richard was UK Head of Small Business at HSBC, where he led and supported colleagues serving the UK SME market via face to face, telephony and digital channels. Richard set the strategic direction and led the business to evolve its channels and grow its customer base. Under Richard’s leadership, HSBC was voted Best Business Banking Provider in the Smart Money People British Bank Awards and Best Online Banking Provider in the Business Moneyfacts Awards.
With more than 30 years of experience in the commercial finance industry, Jim brings a wealth of knowledge to the role of CEO.
Jim most recently served as Group CEO at STAR Asset Finance, where he led the brokerage through a period of substantial change, enhancing the risk control framework, upgrading the IT infrastructure, centralising the core business functions across four previously independent brokerages and increasing the group balance sheet by 50%.
He has previously held senior roles at Lombard, Barclays, and GE Capital, where he developed an extensive understanding of asset finance, risk management, and stakeholder engagement across a variety of financial sectors.
Before joining Allica, Richard was group COO at digital bank Revolut.
Prior to that he was CEO of OakNorth and held leadership roles at TSB and HSBC.
Anna has worked at the LSB since 2018, starting as Head of Insight.
Prior to this, she spent just over 4 years at Wright Hassall LLP as Head of Risk & Compliance and 4.5 years at HSBC working with the risk and audit sectors.
Dan’s career has developed in parallel with the growth of Arkle where he has acquired front line experience across a range of functions during his 15-year career in Asset Finance.
Working under the tutelage of his predecessor, Stephen Bassett, Dan joined the Board in 2015 and was appointed to the role of Executive Director two years later.
When not at work, Dan enjoys an active lifestyle, spends time with family and supports his local community.
I am currently a Senior Policy Advisor in the Asset Finance Division at the Finance and Leasing Association. I have played an intergalactic part in fraud prevention strategy during my time in the Motor Industry and continuously find innovate solution for an ever growing threat.
I review Compliance and Complaints for numerous businesses in the finance industry as well as producing guidance and toolkits to deal with the every changing financial landscape.
Leasing Professional, operating at Director level, with 25 years experience in sales and operations working with UK and International vendors across a variety of equipment sectors.
Have proven management, sales, documentation and negotiation skills. Before joining Societe Generale Equipment Finance held sales positions assisting vendors and resellers grow their sales through the use of finance across diverse markets including IT, Office Equipment, Printing, Machine Tools and Fork Lift Trucks.
David Betteley started his career in Financial Services as a graduate trainee with Lloyds and Scottish Finance (part of the Lloyds Bank Group) in Manchester in the late 70’s. In 1989 he joined the International Motors Group (IM) to set up their in-house Finance Company in the UK to support the Hyundai and Subaru brands. Staying with IM, he moved to Sweden in 1992 to run the vehicle distribution operations for IM in Scandinavia, Russia and the Baltic states.
In 1996 he moved back to the UK to become MD of Vauxhall Finance and successfully managed the transition from 7 branches to one central location. In 1998 he was recruited by Toyota to insource their Financial Services operations in the UK. He went on to become a Senior Vice President when he had the responsibility for overall operations, sales and marketing and the development of new markets for both Toyota and Lexus in the Europe and Africa region.
During this 12 year period at Toyota he also served as a Pension Trusteee which gives him good experience to serve in a similar capacity at JLR. In 2010 David joined Jaguar Land Rover as Global Financial Services Director, retiring in July 2017. David now works as an independent advisor to Genpact Ltd and other companies. His main non-executive role has been as Chairman of the Finance and Leasing Association in the UK during the period May 2007 to May 2010.
David holds an MBA from Aston Business School Outside work his time is mainly devoted to his family. However he enjoys the occasional game of golf and still follows closely the fortunes of Manchester City.
John Rees has worked in equipment finance for over 40 years, most recently with Societe Generale’s equipment finance subsidiary, where he focused on the UK, Australian, and Chinese markets before joining the bank’s headquarters in Paris with global responsibility for sales and marketing.
Wayne leads the automotive finance practice for Shoosmiths.
Prior to joining Shoosmiths, Wayne spent 25 years working in-house in senior and executive roles at international, blue chip financial services and automotive businesses including: Volkswagen Financial Services; GMAC; NatWest (including Lombard and Invoice Finance), Cisco and Santander Consumer UK.
Wayne has extensive experience of scoping, leading and implementing domestic and international projects, particularly focused on strategically important restructuring and regulatory change.
He specialises in regulated and unregulated asset finance, consumer credit and retail finance, with a depth of experience in motor finance. Wayne is also recognised for his experience in regulatory compliance and oversight activity.
Adrian Dally is Director of Motor Finance & Strategy at the Finance and Leasing Association (FLA).
Before joining the FLA, Adrian spent 26 years in policy-making roles in Whitehall and Brussels, specialising in a number of areas including financial services, consumer protection policy, competition and the European Union.
During this time he fulfilled a number of roles, including as a UK negotiator in the EU institutions and as private secretary to two cabinet ministers. His last role was at the Financial Ombudsman Service, where he was its Head of Policy.
With over 25 years in technology solutions to the asset finance and now receivables finance domains, Steve’s extensive experience sees him lead the Sales, Marketing and Software Engineering functions at Lendscape.
He is passionate about helping financial institutions understand how technology can be used to achieve operational excellence while engaging more deeply with their customers and is motivated by the belief that technology can provide opportunities to deliver more customer-centric approaches.
Before joining Lendscape, he co-founded Finaptix, acquired by Lendscape in 2019, and served as Managing Director and Global Sales & Marketing Director at Alfa for a combined tenure of over 22 years.
A regular contributor to industry journals and events, Steve’s specialities include asset finance, technology strategy, software development, digitalization, servitization and hyper-automation.
He holds a PhD in Physics from the University of Kent.
Cat is the Head of Data Insight & Automation at Novuna Business Finance. After completing her PhD at Imperial College London, Cat joined Alfa Financial Services initially as a software developer before moving into project management working. After five years with Alfa, Cat moved to Novuna Business Finance as Strategic Change Manager, leading the company’s largest digital transformation to date.
Having joined the Business Finance Senior Leadership team in Feb 2024, Cat now leads a multi-disciplinary team with a focus on maximising the business unit’s data capabilities, developing business insights and achieving automation & auto-decisioning efficiencies.
Combining extensive consultancy experience with technical software development skills and a scientific research background, Cat provides a unique viewpoint to defining innovation and change within Business Finance. Passionate about giving back and promoting technological advancement, Cat has worked with the Leasing Foundation for the number of years supporting diversity and inclusion and, more recently, leading the promotion by LF of Innovation within the industry.