Fintern Leadership Team
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
Gerald is CEO and a Co-Founder of Fintern.

Prior to Fintern, Gerald was a Partner at McKinsey & Company, based in London. At McKinsey, Gerald was Global Head of Digital Lending, and Global Head of Credit Analytics. Throughout his career, Gerald has served a wide range of financial services clients in the UK, Europe, North America and Asia on lending, credit risk and capital topics.

Gerald enjoys hiking on weekends with his two dogs.
Dr. Michelle He
Chief Operating Officer
Michelle is COO and a Co-Founder of Fintern.

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

Michelle loves hot yoga, kick-boxing and travelling.
Dr. Alan Cathcart
Chief Compliance Officer
Alan is the Chief Compliance Officer and Money Laundering Reporting Officer at Fintern.

Alan has over 30 years experience in banking risk and regulation, and has held senior risk roles at HSBC, Bank of England and the FSA. Alan has a Ph.D in mathematics from Cambridge University.

Alan is a keen jogger and cyclist.
Dr. Mark London
Chief Risk Officer
Mark is CRO, and the brain behind Fintern's AI driven decisioning engine.

Prior to Fintern, Mark was a Partner at EY, where he specialised in Credit Analytics and led EY's Quantitative Advisory Services team of 200 quants. Mark has served every major UK bank on key aspects of their lending businesses and credit modelling.

Mark holds a PhD in mathematics. He enjoys a good IPA, music festivals and injecting Borat references into otherwise boring conversations.
Bob Cui
Chief Technology Officer
Bob is Fintern's Chief Technology Officer, leading the development of our lending platform.

Bob is a full-stack software engineer with a storied background in mobile App development and cyber security. Prior to Fintern, Bob held senior roles at XiaoMi, and has worked extensively with Google and Qualcomm.

Bob graduated from Beijing University, and his twin loves are technology and basketball.
Nicole Li
Chief Product Officer
Nicole lead the design of Fintern's product and propositions.

She has 11 years of banking experience at Bank of America Merrill Lynch and JPMorgan in finance, risk analytics, and operational support. Her experience covers front, middle and back office roles across a wide range of financial products. Nicole has a MSc in International Finance (Fintech) from Univ. of Amsterdam.

Nicole enjoys nature and loves jungle trekking (except for the leaches).
Tjaart van Wijck
DevOps Leads
Tjaart is responsible for DevOps and Analytics at Fintern.

Tjaart is an exceptionally talented individual and has worked with many existing Fintern members over the last decade. Tjaart has 15 years of experience in credit solutions at HSBC, Barclays, Bank of England, LBG and EY. In the recent years, his focus has been Cloud-based re-architecture of core banking systems.

Tjaart enjoys sailing and spending quality time with family.
Sebastian Hassa
Senior Product Testing Engineer
Seba has been diligently testing Fintern App and also supporting a wide range of operational activities.

Prior to Fintern, Seba worked as a business analyst in trading and logistics, and a supervisor at Harrods. He has over 10 years experience in data tools. Seba is also a freelance journalist specialised in maritime. He is a very organised individual with great attention to detail

Seba enjoys mountain hiking and computer games during his spare time.
Fintern Senior Advisors
Our advisors consist of visionary entrepreneurs who have successfully built global businesses from scratch
Andrew Mullinger
Co-founder of Funding Circle

As a co-founder, Andrew has built Funding Circle from an idea into the largest and fastest growing small business loan marketplace in the world. Andrew left Funding Circle in 2016 and is now advising "start-ups run by passionate mission driven business people who I like, respect and believe will succeed"

"Fintern team is the best I've seen in this space, by far"
Mason Yang
Founder of Dolphin Browser and ABC Fintech
A serial entrepreneur with proven track record of building global technology firms.

Mason's first company, Dolphin Browser, served c.200 million users globally.

ABC Fintech, an AI-driven data solution provider Mason founded, was awarded as New Technology Pioneers in 2020 by World Economic Forum.
Amol Karve
Founder of Mortgage Kart

Amol founded Mortgage Kart which is "an exciting UK Fintech, focusing on finding customers the best mortgages".

Prior to this venture, Amol worked 20 years in UK consumer finance space at both HSBC and Capital One.

Amol has rich hands-on experience in retail banking services and credit portfolio management
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