Our people

Craig has over 30 years’ experience in a career spanning global investment management, business leadership, charities and social impact. He spent two years at Fair4All Finance, overseeing a portfolio of debt and equity investments in community finance providers (including Salad), building partnerships with social investors and mainstream finance bringing much needed investment capital to the sector. His broader investment experience includes roles as Senior Portfolio Manager and Senior Investment Analyst at Schroders and T. Rowe Price respectively. He previously held the role of Chief Strategy Officer (CSO) at Salad Finance, responsible for business strategy, fundraising, new products and services and takes the helm as Chief Executive Officer (CEO) to drive the next phase of growth at Salad.

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 twenty years’ experience working in high-growth, FCA-regulated businesses. He has broad financial services knowledge encompassing private credit, private equity and venture capital. 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.

Bernard is Chief Data Officer and brings extensive experience in building decision science risk models, joining Salad 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 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.

A seasoned scale-up operator across deep tech and gaming to consumer goods and fashion, Robin has repeatedly taken businesses through rapid growth. Most recently at Trilitech, he redesigned the group’s operating model, re-accelerating innovation and driving 450%+ user adoption. At Ralph & Russo, he helped the founders grow revenue from sub-$1m to $75m+. Before that, he spent nearly a decade at Sony and PlayStation. At Salad Robin has responsibility for Marketing, Origination and Customer Account Management.

Alex Marsh has extensive leadership and board experience in the banking, payments and fintech sectors, with a portfolio spanning board advisory, strategy consulting and NED roles. He is currently serving as an independent non-executive director for the Centre for Finance, Innovation and Technology (CFIT) with the mission to champion fintech in the UK, building on his previous role as the UK CEO of Klarna where he oversaw growth to in excess of 18 million consumers. Prior to this he spent 10 years in leadership roles at Close Brothers, the UK merchant banking group, across SME and consumer lending. Alex is a Chartered Accountant and has a strong commitment to social impact, having co-founded Charterpath to help connect non-profits with volunteer financial skills, and acting as an industry advisor to The 93% Club, a charity levelling the playing field for young people from state school backgrounds.

John is the Managing Director of Social Business Development. Social Business Development works across the public/private and social economy sectors to establish value-led partnerships that can deliver scale, sustainability, and improved social impact in the UK. John has worked in the Social Business sector for over twenty years creating and growing social businesses. He was for seven years a director at The Big Issue Group, a member of Big issue Invest’s investment committees and led on the development of The Rental Exchange initiative with Experian. John is a non-executive director of several social businesses and charities across the UK and holds advisory roles on several FinTech organisations. John is passionate about providing opportunities and support to areas of society that are being under-served by current and appropriate public services.

Sarah has extensive experience in the asset finance and securitisation funding space, having focussed on optimising portfolio funding structures for fintech and other non-bank consumer lenders in both Europe and the United States. She is the founder and Managing Director of bespoke debt advisory and strategic fundraising firm East Side Advisory, where she works with startup and scale up lenders to source and structure optimal and sustainable portfolio financing facilities. Prior to this, she was a Director in the Asset Finance team within Global Credit Trading at Deutsche Bank in London. Sarah is also a Trustee of UK blood cancer charity Cure Leukaemia and is a non-executive director on the Board of Josei, a community interest company that runs a financial literacy and empowerment hub for women.

Rupert has over two decades working in FCA regulated business. His experience covers legal and regulatory, compliance, risk management, governance, and external affairs primarily within the consumer lending sector. He was General Counsel, Board Member and Consumer Duty Champion at Capital One UK. He is a solicitor and holds and an MBA from Imperial College London. He is also a Non-Executive Direct of Cowes Harbour, a trust port on the Isle of Wight.