Fintern is now Abound 🎉. You can read more about this here

Our team is focused on helping consumers build better financial lives by delivering a radically improved approach to personal lending.

Gerald Chappell
Chief Executive Officer and Co-Founder

Prior to Fintern, I was a Partner at McKinsey & Company, based in London. At McKinsey, I was Global Head of Digital Lending, and Global Head of Credit Analytics. Throughout my career, I have served a wide range of financial services clients in the UK, Europe, North America and Asia on lending, credit risk and capital topics. I enjoy hiking on weekends with my two dogs.

Dr. Michelle He
Chief Operating Officer and Co-Founder

Prior to Fintern, I was a Director at EY, based in London. At EY, I served banks and financial institutions on lending, credit analytics, and driving complex banking transformations. I have a Ph.D in machine learning from the National University of Singapore, and has been a trusted advisor for fast-growing global Fintech firms. I enjoy hot yoga, kick-boxing and travelling.

Dr. Alan Cathcart
Chief Compliance Officer and Money Laundering Reporting Officer

I have over 30 years experience in banking risk and regulation, and held senior risk roles at HSBC, Bank of England and the FSA. I have a Ph.D in mathematics from Cambridge University. I'm a keen jogger and cyclist.

Dr. Mark London
Chief Risk Officer

I'm the brain behind Fintern's AI driven decisioning engine.Prior to Fintern, I was a Partner at EY, where I specialised in Credit Analytics and led EY's Quantitative Advisory Services team of 200 quants. I have served every major UK bank on key aspects of their lending businesses and credit modelling. I hold a PhD in mathematics. I enjoy a good IPA, music festivals and injecting Borat references into otherwise boring conversations.

Dr. Jonathan Mascie-Taylor
Managing Director of Fintern B2B

My previous roles include Head of Data Science at Capital on Tap, Associate Partner at McKinsey & Principal at Oliver Wyman. I have worked with a global set of clients, from banking to retailers, providing strategic, analytical and technological support. I have a PhD and MSc in Complexity Science, and a BSc in Mathematics, all from the University of Warwick.I enjoy squash and scuba diving.

Nicole Li
Chief Product Officer

I have 11 years of banking experience at Bank of America Merrill Lynch and JPMorgan in finance, risk analytics, and operational support. My experience covers front, middle and back office roles across a wide range of financial products. I have a MSc in International Finance (Fintech) from Univ. of Amsterdam. I enjoy nature and loves jungle trekking (except for the leaches).

Bob Cui
Chief Technology Officer

I'm a full-stack software engineer with a storied background in mobile App development and cyber security. Prior to Fintern, I held senior roles at XiaoMi, and has worked extensively with Google and Qualcomm. I graduated from Beijing University, and my twin loves are technology and basketball.

Sam Power
Chief Growth Officer

I lead growth and marketing at Fintern. I've spent most of the last 10 years working on growing consumer startups across Europe, Africa and Latam. I have a BA from Yale University. In my spare time, I love doing pretty much anything outdoors - scuba diving, skiing, hiking.

Tjaart van Wijck
DevOps Leads

I lead the DevOps and analytics team at Fintern.I worked with many existing Fintern members over the last decade. I have 15 years of experience in credit solutions at HSBC, Barclays, Bank of England, LBG and EY.
In the recent years, my focus has been Cloud-based re-architecture of core banking systems. I enjoy sailing and spending quality time with my family.

Jacob Parker
Head of Credit Operations

I lead our Underwriting, Customer Service, Collections and Business Operations functions.I have extensive financial services industry experience having worked for many of the largest banks, credit card issuers and insurance providers in the UK. I'm specialise in leading large projects and customer facing operations.In my spare time I enjoy gaming and travelling with my partner and Hungarian Vizsla, Tobias.

Sebastian Hassa
Financial Manager and Office Manager

Prior to Fintern, I worked as a business analyst in trading and logistics, and a supervisor at Harrods. I have over 10 years experience in data tools. I was also a freelance journalist specialised in maritime. I enjoy mountain hiking and computer games during my spare time.