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Our core team is based in Wrexham, North Wales. We've already embedded ourselves into the local community and economy through partnerships with local universities and colleges - where we see opportunities to attract talented employees.

Our current team comes from a diverse range of backgrounds and experiences. But everyone believes in making a difference through our products. This means they're change and outcome focused, and non-hierarchical in the way they work and challenge.

We expect everyone to ‘be the change’ – to deliver more for our customers

Andy Mielczarek

Andy Mielczarek – CEO

Andy is a senior banker with broad experience of driving commercial performance across entities and jurisdictions. He was most recently the deputy head of HSBC’s UK Retail Bank, having previously been Commercial Director and Head of Retail Products for HSBC Europe.

Andy has been an FCA approved person for many years carrying out a broad range of regulated roles.

Prior to his time at HSBC, Andy was CFO at M&S Bank, Head of Commercial Finance at MBNA, and Brokerage Operations Director at Charles Schwab.

Mark Jenkinson

Mark Jenkinson – COO

Mark is an expert in financial services technology, with almost 25 years' experience working at Temenos, TCA Consulting and Capco / FIS; designing, building and implementing front to back solutions across retail, wealth, commercial and wholesale banking.

Mark has had a number of marquee engagements including the launch of Egg, the UK’s first internet bank, advisor to the Board of NBNKi, the investment fund set up to acquire UK banking assets and establishing Platform Securities as a leading independent processor. Mark was a lead Partner at Capco in Retail Banking and Wealth Management before leaving to start Chetwood and Yobota.

Alan Cook

Alan Cook CBE – Chairman

Alan is currently Chairman of LV=, the Insurance Company, and the University of Bedfordshire.

In the recent past he’s been Chairman of Permanent TSB in Dublin (one of the leading Irish banks), Deputy Chairman of Sainsbury’s Bank and a Non-Executive Director for MetLife Europe.

Prior to the above appointments he had been Chairman of the Highways Agency, Irish Life and Permanent in Dublin and a Board member of the Department for Transport. He has also been Chief Executive of a number of organisations including the Post Office and National Savings and Investments (NS&I). His early career was with Prudential where he rose to become a Divisional Chief Executive.

He was awarded a CBE in the 2006 New Year's Honours list.

Matt Symonds

Matt Symonds – Senior Independent Director and Remuneration Committee Chair

Matt is an independent business adviser and investor, with deep experience in retail financial services. He was formerly a senior Partner in the London office of Bain & Company where he was the leader of Bain’s UK Financial Services practice. With 25 years of global consulting experience in Financial Services, Matt has worked with retail banks, life assurers, asset managers, card issuers, consumer finance companies and private banks across the UK, Ireland, continental Europe, North America, Asia and Africa. He also serves on the Boards of the International Institute of Strategic Studies, Nottingham Contemporary, and Action for M.E.

Emer Daly

Emer Daly – Audit Committee Chair

Emer has a wealth of experience working as a Non-Executive Director within financial services. She is currently Board Chairman of RSA Insurance Ireland and the Chair of the Audit Committee of Permanent TSB Group Holdings plc and Permanent TSB plc. Previously she was Audit and Risk Committee Chair for Friends Provident International Ltd (a subsidiary of Aviva plc), and Lombard International Assurance S.A.

Emer has also previously held non-executive directorships roles with two Irish listed companies, FBD Holdings plc and Payzone plc and with state owned Irish entities EirGrid plc (an electricity transmission system operator), and Dublin Dental University Hospital and Irish Property Registration Authority.

Alan Jarman

Alan Jarman – Chief Risk Officer

Alan has experience in a variety of senior leadership roles across a 31 year financial services career, the majority of which was spent with HSBC in the UK and internationally where his recent positions were as CEO Poland, CEO Wales, and General Manager Retail Banking HSBC Oman. Before co-founding Chetwood, Alan was Group COO at Principality Building Society, and CEO of their Nemo Personal Finance subsidiary.

Andrew Arwas

Andrew Arwas – Head of Delivery

Andrew has almost 30 years’ experience in designing and delivering large scale transformation in retail banking & wealth management. At Barclays Bank, he was Business Architect for a five year transformation programme in Retail Credit Risk, before taking on the roles of Head of Strategy and Head of Change for Barclays Mortgages. After Barclays, Andrew worked at Capco, ultimately leading the Wealth & Asset Management practice in the UK.

Phil Jones

Phil Jones – Head of Product

Phil has over 25 years’ experience running lending products, first at M&S Bank and HSBC. Phil started his career in finance developing dynamic profitability models before moving into treasury and balance sheet management. Phil gained international exposure as he progressed to be Head of Lending Products for Europe, and most recently Head of Mortgages for North America and EMEA.

Julia McColl

Julia McColl – Head of Customer

Julia has over 10 years’ experience in designing products and propositions to meet customer needs, and in building digital onboarding and servicing journeys across desktop and mobile. At Lloyds Banking Group, she was responsible for the digital transformation of Personal Loans and Mortgages. More recently at Capco, Julia led a number of strategic initiatives for Wealth and Private Banking clients, focused on delivering commercial results through customer centric propositions.

Chris Blampey

Chris Blampey – Head of Credit Risk

Chris has over 10 years’ experience covering the full credit lifecycle across all retail lending products, from customer selection and prospecting, onboarding and underwriting, account management, collections and debt sales. He has been Head of Risk Portfolio Management for unsecured and secured lending at HSBC as well as Head of Retail Credit Services for Europe at HSBC.

Sean Lynskey

Sean Lynskey – Head of Operations

Sean has over 10 years’ financial services experience across a number of operations and IT roles in retail and private banking. Prior to joining Chetwood, Sean worked as a Management Consultant in financial services, delivering a number of strategic and regulatory changes in banks in the UK and internationally.

Nick Fisher

Nick Fisher – Chief Financial Officer

Nick is a qualified Chartered Accountant with almost 20 years’ experience across a variety of finance and strategic roles within financial services. Most recently he was a Senior Vice President within the financial services vertical of Mastercard Advisors. Prior to this he was Deputy CFO at M&S Bank following his role as Head of Unsecured Lending Commercial Finance at HSBC. He has also held management roles at Kessler Financial Services and MBNA.

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