Mark has over 25 years of experience in financial services, working in roles across banking, mortgages, life assurance and self-invested pensions. He joined the FCA in 2014, supervising many of the largest retail banking groups, digital and overseas banks. As Head of Department in Retail Banking he led the supervision aspects of the FCA’s Access to Cash work.

He became Head of Department in Consumer Finance in September 2022 with responsibility for Credit Brokers, Mortgage Intermediaries and Claims Management Companies as well as the FCA’s work on supporting borrowers in financial difficulty. He moved to the role of Head of Consumer Lending in July, overseeing supervision of High Cost and Mainstream Lending, Credit Unions and Pawnbrokers.

Rebecca is Head of the Consumer Credit Unit within Financial Services at HMT. Rebecca is responsible for overseeing regulation of the UK’s £200bn non-mortgage consumer lending market, ensuring a properly functioning regime that works well for both firms and consumers.

Rebecca joined HMT in March 2024. Prior to that, she built a varied career across many Civil Service roles since 2009, including operational delivery, project management, and policy development, delivery, and legislative reform in HMRC, DfE, and DLUHC.

Having worked with and for regulated consumer credit firms since 2014, Nicola possesses an outstanding working knowledge of FCA regulatory compliance, with particular in-depth knowledge of the Consumer Credit Act, Data Protection/GDPR and the FCA Handbook (CONC, PRIN, SYSC, COND, GEN, SUP and DISP) as well as experience in managing conduct risk, outcomes testing and financial crime and SM&CR.

Nicola has a wealth of experience in building and leading compliance teams in consumer credit environments, having led and implemented various large scale regulatory and strategy change transformational projects. She has a sound understanding of the importance of stakeholder relationships, collaboration and communication to drive success.

Charlotte is an Ombudsman Leader at the Financial Ombudsman Service where she has worked for 14 years with over 11 of those being spent in various Ombudsman and leadership roles. The Financial Ombudsman Service has been sorting out complaints between financial businesses and their customers since they were set up by Parliament in 2001.

Charlotte’s experience spans across the service and has had recent focus in Consumer Credit where she leads engagement with some of the larger professional representatives. She’s recently led a successful pilot for irresponsible lending complaints in which professional representatives were required to produce more information upfront before the cases were moved to investigation and became chargeable. The Financial Ombudsman Service will use lessons from this as they develop the registration stage proposals.

Russell Kelsall is a Partner at Walker Morris LLP and heads up its award-winning Consumer & Motor Finance Team. Russell deals with both non-contentious and contentious financial services issues (with a particular expertise in motor, consumer, asset and mortgage finance). He is a recognised industry expert and a ‘go to’ lawyer for the most difficult issues in the industry. For example, he has recently acted for Close Brothers in Hopcraft and is advising many lenders on commission related issues.

Russell provides training to the industry and delivers popular courses for both the Finance & Leasing Association and UK Finance. He is a Council Member of the Consumer Credit Trade Association. Russell is the author of ‘Consumer Credit: Law, Practice and Precedents’ and an editor of ‘Goode: Consumer Credit Law and Practice’, ‘Goode: Consumer Credit Reports’, ‘Butterworths Financial Regulation Service’, ‘Asset & Project Finance’ and ‘Practical Lending and Security Precedents’.

Asif joined Evlo as Chief Transformation Officer in 2023. Prior to this he worked at Loans at Home for six years in a variety of roles, the last of which was as Central Operations Director. Previously to this he worked for Provident Financial for thirteen years. He is a qualified accountant, but has worked across a variety of roles in finance, credit and analytics, change management and IT.

Asif has a passion for people, data and technology and his role will focus on developing and driving initiatives that help growth, as well as improve operational efficiency, effectiveness and competitiveness.

Sara is an experienced Business Development Manager who has been with StepChange Debt Charity for over thirteen years. With a strong foundation in operational leadership, she has transitioned into a strategic role focused on growth, innovation, and partnership development.

Her deep understanding of the debt advice sector and commitment to client-centred solutions make her a valuable voice in driving forward sustainable change.

In his current remit, Naveed looks after some of the key CCTA services to our members. This includes managing the CCTA Advice Line Service, support with CCTA Agreements and manging the CCTA’s learning and development portal, CCTA Academy. Naveed also liaises with industry regulators and stakeholders on policy initiatives that affect our members and their sectors.

Naveed has extensive career experience in compliance and assurance stemming over twelve years, with roles in auditing and compliance consultancy for various firms in the legal and FCA-regulated sectors.

As Chief Executive, Jason is responsible for shaping the Association’s strategic direction and representing members at the highest levels of government, regulatory bodies, and industry forums. Jason also works closely with his team to provide advice and guidance, ensuring the Association remains responsive to lenders’ needs.

Jason has over twenty years of experience in risk, comms and public policy. He began his career as an assistant in the European Parliament and has held senior roles in in-house and consultancy organisations. His background spans the public sector, housing, infrastructure planning, and financial services. Some of this time was focused on working with the government on national risk and crisis management, including planning work on utility failure, pandemics and terrorism.

Apart from day-to-day leadership, Jason mentors professionals in PR and public affairs. He is an enthusiast for technology.

Mark is Chief Executive of Gain Credit, a consumer lending business focused on the UK and Chair of the Consumer Credit Trade Association. In 2024 Mark also joined the FCA’s Smaller Business Practitioner panel, which represents smaller regulated firms.

Having spent over a decade at Unilever, Mark held senior leadership roles with both RBS / NatWest and Bupa. He also served as Executive Director of the Money Advice Service, now the Money and Pension Service, driving strategy, policy and proposition development.

Mark has a passion for behaviour change. He has spoken at the United Nations, G20 and European Central Bank on building the financial resilience of consumers and co-founded a not-for-profit, focused on helping long-term unemployed people remain positive and reskill.

He has a degree in Mathematics, Statistics and Management Science and a Post Grad Dip in Business Management.

Andrea Cox is an industry expert specialising in affordability and financial vulnerability, with over twenty years of experience crafting data-driven solutions across diverse sectors. Her expertise includes conducting detailed income and expenditure assessments and identifying financial vulnerabilities early on.

Throughout her career, Andrea has made a significant impact in various industries including banking, finance, retail, telecom, utilities and debt management. Her comprehensive understanding of the affordability challenges in these sectors allows her to develop tailored strategies that effectively address financial distress.

As a thought leader, Andrea shares her insights on affordability at industry conferences and workshops, where she is known for her forward-thinking approach and practical solutions. Her dedication to addressing financial vulnerability has not only influenced policy and practice but also helped countless organisations navigate their affordability challenges successfully.

Mike is a social entrepreneur with a passion for enabling everyone to use numbers and data to make better decisions. Following a military career, an MBA and brief stints in banking and maths education, he launched National Numeracy in 2012, building the organisation into a well-respected national charity. Having handed over as Chief Executive there in 2020, Mike launched Plain Numbers in early 2021.

He now uses his deep expertise to help organisations in regulated markets to unlock better ways to communicate with their customers. This evidence-based approach significantly improves understanding and enables better outcomes, both for customers and for Plain Numbers Partner organisations.

Lawrence Byers is a Senior Product Manager at Acquired.com, specialising in Open Banking and the future of Account-to-Account payments. He leads the company’s Pay by Bank strategy, with a current focus on launching Variable Recurring Payments (VRPs).

With over five years in fintech, Lawrence is passionate about reimagining how money moves – exploring how new payment rails can drive fairer outcomes, improve collection success, and give businesses and consumers greater control and transparency.

Sheraz Afzal serves as the Chief Legal, Risk & Compliance Officer at Quint Group, a high growth, independent fintech group operating across consumer credit and payments. Since joining in 2021, Sheraz has led a dynamic team dedicated to proactively identifying and managing legal and regulatory risks – ensuring Quint’s continued compliance and supporting its expansion strategy.

Before Quint, Sheraz was Chief Risk and Compliance Officer at Dollar Global Finance Corp, where he oversaw legal, risk, and compliance operations across the UK, Finland, Sweden, Spain, Portugal, and Romania. His earlier career included senior risk and compliance roles at Welcome Financial Services (Cattles) and the Royal Bank of Scotland Group. Sheraz earned his law degree from the University of Edinburgh.

Rachael has over 25 years’ experience working across Financial Services, with over twenty of those years being in the Yorkshire Building Society. Rachael has a broad range of skills and expertise gained from her variety of roles which include being Head of Branch Network to Portfolio Business Change Manager.

Rachael has been at Moneyline for four years and delivered the systems change required to move from being a mainly branch based organisation to a lender who can support vulnerable customers in a digital world.

As Global Head of Banking and Lending at Aryza, Paul O’Sullivan plays an integral role in developing loan and lease management solutions to support lenders working across the entire debt cycle.

Paul has extensive experience and is a leading figure in the instalment credit software industry. He has a deep understanding of the market sectors in which Aryza operates and helps customers drive operational efficiency through the deployment of specialist, bespoke technology.

Aryza works with over 300 finance companies, from innovative start-ups through to well-established national businesses.

Mike has over 27 years of motor finance industry experience from account management through to operations and now in senior leadership having held the role of Managing Director since 2016. With a passion for delivering exceptional customer service and driving improvement across the sector, Mike leverages his strong leadership and coaching skills on developing colleagues in delivering against a strong set of values and embedding a culture that puts the customer at the centre of decision-making.

Borderway Finance is a CCTA member. Mike is now a CCTA Council Member representing motor finance lenders in shaping and delivering the CCTA’s strategy and championing the voice of smaller lenders.

Jo has over 20 years’ experience at a senior level working for major UK law firms and in-house at RBS and VWFS.  Jo specialises in the asset, motor finance, leasing and consumer finance sectors, provides financial services advice (non-contentious and contentious) across a range of finance products and helps building online finance platforms for the broker and the lending market.

She provides legal counsel and compliance and regulatory advice to her clients and has been ranked by Chambers and Partners for the last 17 years as one of the leading lawyers in the UK in consumer finance.

In the 2025 edition of Chambers UK, Jo maintained her Band 2 individual ranking in the Consumer Finance category and was described by clients as being: “very engaging” and “an extremely passionate lawyer with in-depth knowledge of the sector

Jo sits on the board of the CCTA and is a board advisor to two fintechs.

Stuart has worked at Snap-on for five years in their financial services compliance team, looking after the UK businesses that are regulated by the FCA. Prior to that, he spent the last twenty years working in compliance teams within the near prime consumer credit marketplace.

During that time, he has been involved in two large customer redress programs; one relating to PPI (working alongside the FSCS) and the other focused on loan affordability.

Clare is a specialist in consumer finance with over 20 years’ experience advising clients across the full range of regulatory issues affecting consumer credit firms. Clare’s clients include retail banks, mono-line card issuers, non-bank lenders, asset finance and motor finance lenders, as well as brokers and credit information service providers.

Clare’s practice includes advising on authorisations, governance issues, authorisation applications, regulatory due diligence as well as new product launches and compliance assurance reviews.

Neil began his career at Lloyds Banking Group, helping to grow their specialist mortgage brand to market leader before joining direct-to-consumer insurance company HomeServe. Transitioning from financial services to credit reference agencies, he spent more than ten years in various product and consultancy roles at Experian and Equifax, working on credit and identity initiatives.

Neil now heads up credit risk strategy for Lexis Nexis Risk Solutions in the UK&I. A passionate fair finance advocate, he believes the credit industry can be a force for positive change in people’s lives.

Alfie is a results-driven Business Development Manager with a proven track record in building and nurturing client relationships across all sectors. Since joining coeo in 2024, he has focused on driving business growth, identifying new market opportunities, and strengthening long-term partnerships that deliver measurable value for clients.

With a career marked by rapid progression – having started in the industry as a call agent and worked his way through to senior roles – Alfie has gained extensive experience across L&D, client management, operations, and leadership. His ability to combine strategic thinking with hands-on client engagement has consistently contributed to business success, both at coeo and in previous positions. Passionate about delivering tailored solutions and fostering collaboration, Alfie plays a key role in coeo’s mission to support clients in managing debt responsibly while achieving sustainable growth.