Professional Experience

April 2022 - Present

Shermin Finance Ltd

HomeServe Consumer Finance (Brookfield)

Chief Strategy Officer / Chief Technology Officer

Product Owner and CTO for Stax, a proprietary loan origination platform connecting UK lenders with 250+ FCA-regulated retailers. AI-first, agentic engineering approach to product development and operations, personally building and shipping platform features, MVPs, and automation using Claude and multi-model agentic solutions. Scaled platform from zero to GBP 400M loan originations in 12 months.

• Delivered Stax platform to GBP 400M loan originations in first 12 months, compressing product development cycles from weeks to days through AI-accelerated iteration and prototyping
• Designed and shipped waterfall decisioning model, increasing overall approval rates by 15% while maintaining lender targets and FCA compliance
• Personally build and maintain platform features, reporting tools, and automation in Salesforce LWC, operating at founder pace within a corporate environment using agentic engineering as a force multiplier
• Own data strategy and platform analytics, using AI to identify lender behaviour patterns and routing inefficiencies that drive roadmap prioritisation
• Lead technology and operations transformation across cross-functional teams, scaling from pilot to full regulatory operation

May 2020 - April 2022

Shermin Finance Ltd

HomeServe Consumer Finance (Brookfield)

Chief Strategy Officer / Chief Operating Officer

Led stabilisation, optimisation, and transformation to position the company for acquisition by HomeServe (Brookfield).

• Positioned company for successful acquisition; served as key liaison during integration
• Led company rebrand and developed long-term strategic roadmap
• Built custom CRM and automated retailer training platform
• Optimised operational workflows, reducing costs and increasing profitability

March 2019 - May 2020

Vendigo Finance Ltd

VC-Backed Fintech Startup

Director of Product & Sales

Founding team member. Defined product strategy, built sales function, and secured lending partnerships.

• Scaled B2B2C fintech startup to GBP 15M ARR within 12 months
• Defined initial product offering aligned with regulatory standards
• Built and managed high-performing sales team; exceeded KPIs consistently
• Secured strategic lending partnerships expanding market reach

November 2018 - March 2019

First Home Improvements

Head of Retail Finance (Interim)

Managed GBP 30M+ annual finance applications representing 65% of company turnover. Directly managed 4 Regional and 26 Branch Managers, ensuring FCA compliance and enhancing lender relationships.

March 2015 - November 2018

Consumer Credit Solutions

National Business Development Manager

Achieved 300% growth in credit volume through strategic consumer credit initiatives. Established reputation as industry expert in consumer credit regulation and strategy, building an enterprise retail partner network.

September 2009 - March 2015

Barclays PLC

Senior Wealth Manager

Managed 400+ high-net-worth client relationships. Grew credit balances by GBP 150M and debt balances by GBP 90M. Implemented mortgage training strategy achieving 90% increase in referrals.

2003 - 2009

Earlier Career

Business Development & Strategy

Bridgebank Capital Ltd - Head of Business Development & Strategy (2006–2009): Built loan book from GBP 0 to GBP 250M in three years. Catalyst Securities - Business Development & Strategy (2003–2006): Expanded introducer network to 3,000+ partners, grew loan book to GBP 156M.