Founded in 2000, Pepper Money is Australia’s largest & most trusted non-bank lenders with over $20bn of assets under management, listed on the ASX. In 2023, Pepper Money acquired 65% of a privately owned business, Stratton Finance. Stratton Finance is Australia’s largest finance broker established in 1999. The remaining 35% share was acquired in 2024. Stratton Finance is responsible for $4B in loans for 75,000 customers, through 200 employees and 50 franchisees.

Founded in 1992, Cerberus is a global leader in alternative investing with approximately $60B in assets across complementary credit, private equity and real estate platforms. In 2021, Cerberus (80% owned) and Deutsche Bank (20% owned), purchased a $15B business unit from Westpac Banking Corporation; with the M&A completed in 9 months into a start-up business - Angle Auto Finance. Accountable for leading the commercial novated team across Australia, which included a successful integration of the business from Westpac, creation of start-up business and scaling the business to $4B run-rate of lending. Responsible for all aspects of the novated business; including customer relationships, business profitability, growth, processes, strategy and credit quality.

Reported to the General Manager - Australia. Member of Australian Business Banking ExecutiveTeam.Accountable for leading ANZ Business Banking across Western Australia; loans of $4.1B, deposits of $3.9B and 88 relationship management staff. Responsible for business profitability, growth and credit quality. Note: resigned from role as unable to relocate during covid for personal reasons.

Reported to the Managing Director A/NZ. Member of Country Executive team. Accountable for leading the commercial team across Australia and New Zealand, managing loan funding of $3B for 1,500 clients. Second-in-Charge for the Managing Director A/NZ. Responsible for business profitability, growth and credit quality.Achievements included:• Won $2B revenue client from key competitor in 2019/20 with a 10-year customer commitment. Developed global surge resources and led a cross-functional team to seamlessly close transaction during COVID. Largest win for the business in its 43yr history. • Drove a new strategic business direction under Wells Fargo, by increasing global customers from ~50% to ~95%, and reducing credit losses / delinquencies to >0.1%. • Led a successful 2-year seamless M&A transition with no business disruptions, no lost customers or employees from GE Capital. This included the separation from the broader GE Capital business, then integration into Wells Fargo.• Successfully acted in Managing Director and Board Chair role for 4 months in a period of significant change, reporting to the Head of International (based in London).• Won the 2020 Wells Fargo Global Pinnacle Award; a special program for top 1% of global talent.

Responsible for Commercial Distribution Finance across A/NZ and Managing Director 2IC. Achievements included:• Developed and launched a new product vertical, Technology Supply Chain Finance. Generating over $2B of new business; growing to be 20% of the total business, with nil losses. Customers include Cisco, Dell, Polycom and Dicker Data.• Won and executed on a $500M new funding facility for North American client’s Australian subsidiary. • Led a major cultural and risk management transformation, resulting in significantly improved customer feedback and Net Promoter Scores, increased staff engagement and productivity and improved efficiencies. This involved transforming an internally focused culture into a customer-focused business and improving risk management focus.• Implemented a Commercial Excellence sales processes, reducing deal cycle time by 22%, increasing external meetings by 11% and improving the deal win-conversion rates by 13%.• Implemented a new core operating platform to a global IT platform. This involved migrating all customers, resulting a significant improvement in customer Net Promoter Scores. • Won the 2015 GE “Emerge” Program; a two-year global leadership course for top 1% of global GE talent.

Business Leader for GE’s Corporate Aviation Finance Business across Australia and New Zealand. Achievements included:• Grew the Corporate Finance (Aviation) business to $1B. • Developed and implemented a new business strategy to build Family Office relationships much earlier in the decision-making process, in addition to building new markets across 4 market segments. Strategy execution resulted in 20% pa growth and ~80% market share.• Led a 2-year negotiation with the Australian Government for $300M of facilities • Strong working relationships with numerous Family Offices A/NZ.• Increased employee engagement and productivity, commercial customer meetings increasing by 25% to Family Offices with net worth >$200M, federal and state government, and publicly listed corporations. • Led the industry representation that saw GE become the leading A/NZ corporate financier by choice. Acted as media contact/thought leader, including leading media campaigns and security positive coverage across major new outlets.• Introduced over $550M of cross-sell referrals to other GE businesses.

2IC to the Executive Director. Led GE’s Corporate Aircraft Finance business in VIC, SA, WA & NZ. Achievements included:• Achieved 144% of lending plan, with margins 35% above plan and a 79% fee income increase.• Secured 11 new deals, funding $151M of new transactions to deliver $16M NPBT.• Sourced and secured new finance transactions and managed existing clients with the BRW ‘Rich-List’.

Led a portfolio of GE Equipment Finance customers across the logistics sector (revenues $10M to $2B). Achievements included:• Achieved 182% of lending plan for the period.• Generated over $15M for other GE businesses through 18 cross-sell referrals.• Led one Associate Sales Representative and mentored a wider team of 10.• Improved client service and engagement, achieving improved Net Promoter Scores.

Led the NAB’s Asset Finance growth in the Business Bank as product specialist.Achievements included:• Managed an extremely competitive Asset Finance business and drove new lending growth by 38% and increasing fee income by 42%.• Provided guidance, risk assessment and ongoing development to 65 Senior Business Banking Managers, successfully increasing engagement levels.• Outperformed growth expectations within two previously underperforming Business Banking Centres, exceeding all performance benchmarks.

Led the NAB’s Asset Finance growth in the Business Bank as product specialist. Achievements included:• Exceed aggressive monthly lending targets, driving annual growth of over $108M; increasing NAB’s NSW Asset Finance market share >5%.• Provided risk assessment, training, mentoring and ongoing development to 50 Relationship Managers.