Chief Executive Officer

• Oct 2020 - Present

Optimum Finance is a specialist provider of invoice finance solutions operating UK-wide. Established in 2017, the company’s highly experienced team boasts an extensive client list representing a range of sectors from manufacturing to service providers. Optimum Finance is at the forefront of using the latest technology to assist SMEs in optimising operational efficiencies and effectiveness in the areas of working capital, growth and costs. Optimum Finance is a specialist provider of invoice finance solutions operating UK-wide. Established in 2017, the company’s highly experienced team boasts an extensive client list representing a range of sectors from manufacturing to service providers. Optimum Finance is at the forefront of using the latest technology to assist SMEs in optimising operational efficiencies and effectiveness in the areas of working capital, growth and costs.

Co-Founder

• Apr 2022 - Aug 2023

Financial Solutions Director

• Aug 2018 - Oct 2020

bePayd delivers market leading speed, simplicity and convenience in accessing cash through early payments. bePayd delivers market leading speed, simplicity and convenience in accessing cash through early payments.

Director of Credit Risk

• Oct 2017 - Jul 2018

Proud to provide certainty in an uncertain world. Proud to provide certainty in an uncertain world.

Director of Strategy

• Dec 2016 - Jul 2018

Group Director of Risk

• Apr 2015 - Jul 2018

Group Head of New Business Products, and Head of Ultimate Business Cash Ultimate Finance Group

• Jun 2013 - Jun 2016

Ultimate Finance Group continuously seeks to innovate and develop new products to the SME community. In 2016 we will be accelerating payments of invoices in new and simple ways; we will allow businesses to extend the terms that they pay their suppliers; we are improving the convenience and methods that traditional loans are issued; we will be looking for new and alternative payment methods that are more convenient to businesses; and we will be looking for all new methods of supporting the UK… Show more Ultimate Finance Group continuously seeks to innovate and develop new products to the SME community. In 2016 we will be accelerating payments of invoices in new and simple ways; we will allow businesses to extend the terms that they pay their suppliers; we are improving the convenience and methods that traditional loans are issued; we will be looking for new and alternative payment methods that are more convenient to businesses; and we will be looking for all new methods of supporting the UK business community with their funding needs. We understand that setting up a business can be tough, we have been there. We know that access to funding can be a major obstacle that can deter from the day-to-day operations and as such each new solution that we will bring to market will have the business client at the heart of its development. It is my job to identify these solutions and bring them to market, we have a number in development, however, we are hungry for more so please feel free to contact me if you have had any positive or negative funding experiences so we can effectively deploy new solutions that will help the business community.

Head of Ultimate Business Cash

• Sep 2013 - Feb 2017

Ultimate Business Cash is a completely online hassle-free lending platform for UK businesses. Simply filling in an online application with a handful of questions that take just a few minutes to complete and a business could have funds deployed as quickly as 15 minutes from the point of application. Our straightforward 24/7 platform allows businesses to get on with growing their business with swift decision making and release of funds. Ultimate Business Cash is a completely online hassle-free lending platform for UK businesses. Simply filling in an online application with a handful of questions that take just a few minutes to complete and a business could have funds deployed as quickly as 15 minutes from the point of application. Our straightforward 24/7 platform allows businesses to get on with growing their business with swift decision making and release of funds.

Head of B2B Credit Risk Analysis

• Jun 2010 - Jun 2013

Managing and leading teams of B2B Credit Analysts, Credit Controllers and Credit Risk Negotiators. Developing appropriate risk mitigation strategies to protect from the risk of bad debt, whilst often engaging in specialist debt recovery activity. Guiding, managing and leading a team of highly skilled analysts and Risk Negotiators to deliver exceptional results in often complex scenarios. Management and integration of a credit team of an acquired business. Regularly… Show more Managing and leading teams of B2B Credit Analysts, Credit Controllers and Credit Risk Negotiators. Developing appropriate risk mitigation strategies to protect from the risk of bad debt, whilst often engaging in specialist debt recovery activity. Guiding, managing and leading a team of highly skilled analysts and Risk Negotiators to deliver exceptional results in often complex scenarios. Management and integration of a credit team of an acquired business. Regularly conducting meetings with Senior Leaders of businesses including, CEO's, CFOs, Private Equity Investors and business owners to seek mutually beneficial solutions to risk mitigation and debt recovery. Excellent stakeholder management skills both internal and external have ensured consistent delivery. Exceptional Credit Assessment skills have resulted in the early identification and protection of significant bad debt. Consistently recognised as a high performer with delivery of exceptional results.

Senior Credit Analyst

• Aug 2009 - Aug 2010

Conducting corporate credit risk analysis for all large corporate prospects, whilst ensuring consistent delivery of credit risk decisions to internal stakeholders in a market leading timeframe protecting the business against many significant potential bad debts. I was also responsible for reviewing and rewriting much of the Corporate Markets Credit Policy which was subsequently signed off by the Corporate Markets Managing Director and satisfied robust internal audit requirements… Show more Conducting corporate credit risk analysis for all large corporate prospects, whilst ensuring consistent delivery of credit risk decisions to internal stakeholders in a market leading timeframe protecting the business against many significant potential bad debts. I was also responsible for reviewing and rewriting much of the Corporate Markets Credit Policy which was subsequently signed off by the Corporate Markets Managing Director and satisfied robust internal audit requirements. This required swift energy industry knowledge development.

Director

• Dec 2008 - Aug 2009

Senior Underwriter

• Apr 2007 - Dec 2008

Successfully managing unsecured risk portfolios valued at >€12bn. Successfully managing unsecured risk portfolios valued at >€12bn.

Business Development Manager - Collections

• Apr 2005 - Apr 2007

In this post I played an instrumental in developing Atradius' Collections business. In the role created substantial growth opportunities for the group both in the UK and Internationally. I developed numerous successful schemes for business development, which are still very much active and integral to the business, whilst also developing key relationships and business growth with some large businesses including global players. I was also responsible for achieving huge cross selling… Show more In this post I played an instrumental in developing Atradius' Collections business. In the role created substantial growth opportunities for the group both in the UK and Internationally. I developed numerous successful schemes for business development, which are still very much active and integral to the business, whilst also developing key relationships and business growth with some large businesses including global players. I was also responsible for achieving huge cross selling opportunities within the Atradius group and introduced the UK Credit Insurance business to one of, if not, their largest customer brought on in 2007. Show less In this post I played an instrumental in developing Atradius' Collections business. In the role created substantial growth opportunities for the group both in the UK and Internationally. I developed numerous successful schemes for business development, which are still very much active and integral to the business, whilst also developing key relationships and business growth with some large businesses including global players. I was also responsible for achieving huge cross selling… Show more In this post I played an instrumental in developing Atradius' Collections business. In the role created substantial growth opportunities for the group both in the UK and Internationally. I developed numerous successful schemes for business development, which are still very much active and integral to the business, whilst also developing key relationships and business growth with some large businesses including global players. I was also responsible for achieving huge cross selling opportunities within the Atradius group and introduced the UK Credit Insurance business to one of, if not, their largest customer brought on in 2007. Show less