SALAD

Tim is a seasoned entrepreneur with a track record of building technology-focused businesses. Following an early career in property management, Tim created an online tenant and candidate verification platform which eventually captured 5% of the UK tenant referencing market and was sold to NorthgateArinso, a KKR-backed investee company. Subsequently Tim developed innovative software utilising consumer datasets for Experian, Big Issue Invest and Barbon Insurance, a Carlyle-backed investee company. Tim identified the potential for Open Banking to better serve consumers shut out from mainstream credit, and secured private capital to establish Salad Money. Tim continues to be a passionate proponent for appropriate and affordable lending, and serves as a non-executive director of Responsible Finance, the national membership body for providers of responsible finance.

Emmett has over twenty years’ experience working in consumer credit principally serving the credit excluded within a start-up or innovation environment. He has risk management, commercial and regulatory knowledge encompassing loans, credit cards and retail finance. Previous roles include Senior Credit Risk Manager at Vanquis, Head of Credit Risk at Close Brothers Retail Finance (acquired by Klarna in 2017) and Head of Personal Loans at NewDay. He holds a MSc from Lancaster University and a BSc from Southampton University.

Phillip has eighteen years’ experience working in FCA-regulated firms. He has broad financial services knowledge encompassing asset management, wealth management, fintech and lending. Previous roles include Head of Funds at Funding Circle and Finance Director at Pemberton Asset Management. He is a Fellow of the Institute of Chartered Accountants in England & Wales and holds a MA from Oxford University.

Alex Marsh has extensive leadership and board experience in the banking, payments and fintech sectors, with a portfolio spanning board advisory, strategy consulting and NED roles. He is currently serving as an independent non-executive director for the Centre for Finance, Innovation and Technology (CFIT) with the mission to champion fintech in the UK, building on his previous role as the UK CEO of Klarna where he oversaw growth to in excess of 18 million consumers. Prior to this he spent 10 years in leadership roles at Close Brothers, the UK merchant banking group, across SME and consumer lending. Alex is a Chartered Accountant and has a strong commitment to social impact, having co-founded Charterpath to help connect non-profits with volunteer financial skills, and acting as an industry advisor to The 93% Club, a charity levelling the playing field for young people from state school backgrounds.

Bernard is Chief Data Officer and brings extensive experience in building decision science risk models, joining Salad Money after nearly eight years with Funding Circle UK where he was Global Head of Decision Science. His career has included stints in France, the USA and the UK. After studying engineering in Paris, de Barbeyrac moved to Capital One where he became a Senior Risk Analyst.

Terry has over 30 years’ experience in delivering enterprise level software applications. For the last 20 years he has owned a bespoke software development company and managed numerous high profile I.T. projects such as Cable & Wireless’s European billing system, FedEx’s UK web presence, a booking system for Clear Channel’s out-of-home digital advertising screens and for the last 5 years has helped design and build the Salad Money application platform. A Microsoft specialist, he has held most of their premium qualifications over the years – Microsoft Certified Solutions Developer, Microsoft Certified Systems Engineer and Microsoft Certified Database Administrator and has been instrumental in moving Salad to a serverless infrastructure based on the Microsoft Azure platform.

Craig has over 30 years’ experience in investment, as a portfolio manager in the City, as co-founder of a family business, head of social investment for the Francis Scott Trust and most recently at one of Salad’s investors - Fair4All Finance. There he was responsible for managing investments and partnering with mainstream finance with the aim of attracting investment capital to community finance providers. Craig has wide-ranging experience in social investment, business strategy, finance & accounting, analysis and of running businesses and charities.