Salad Money

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.

Tim worked for Nationwide Building Society for 20 years, the last 10 as CEO. During this period he initiated and oversaw a whole range of initiatives aimed at making both personal financial services and house purchase easier for members on low incomes. Subsequently he was Director General of the Institute of Directors, and then Chair of several organisations including public companies, Royal London Insurance (the largest mutual insurer), Investors in People, the Higher Education Funding Council for England, and Homerton University Hospital NHS Trust. As well as chairing Salad Finance, he is currently involved in a range of activities with a social purpose.

Baroness Evans of Bowes Park is a Conservative member of the House of
Lords. She was appointed as a life peer in October 2014. Natalie was Leader
of the House of Lords and a member of the UK Government’s Cabinet between
2016 and 2022 - the longest serving Leader for 70 years. Between 2015 and
2016 she was a junior Government minister in the Department of Education,
Department for Work and pensions, and the Ministry of Justice. Before entering
the Lords, Natalie held a variety of senior positions including CEO of the New
Schools Network, Deputy Director of Policy Exchange, and Head of Policy at the
British Chambers of Commerce.

Lord Iain McNicol of West Kilbride is a British Labour politician and trade unionist . He is a Labour member of the House of Lords having being introduced in July 2018. He is a life Baron. Iain served as the General Secretary of the Labour Party from 2011-18, moving from the position as National Political Officer of the GMB Union. He has a long history of organising in both the Labour and trade union movement.

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.