Our leadership team

With almost 100 years' combined experience in retail consumer credit, we support the motor, technology, leisure & fitness, and furniture retail sectors with delivering compliant consumer credit solutions.
Our leadership team
Phillip Garlick

Phillip Garlick

Chief Executive Officer

Phillip has over 30 years experience held various board level positions within PLCs, SMEs, and VC backed businesses across a variety of sectors offering retail consumer credit.

Phillip is a practicing Chartered Director and Fellow member of the Institute of Directors London, holds an Advanced Certifcate in Governance & Risk with the International Compliance Association (ICA), and has a Masters in Business Administration (MBA) with a Russell Group University.
(SMF1 Subject to FCA approval)
Tim Whaley

Tim Whaley

Commercial Director

Tim has over 28 years’ experience in the motor finance industry holding management roles with GMAC and acting as a Board Director for one of the UK’s leading credit broking firms.

Tim has a BA (Hons) degree in business management.

Wendy Clegg

Wendy Clegg

Head of Governance & Risk
I’m Wendy Clegg and I am the Head of Governance & Risk. My main role is responsibility for implementing and administering the firm’s policies and procedures and identifying compliance risks, including development of the client audit programme.

I joined PPL in September 2017, having previously spent 25 years working in the insurance broking industry. Prior to moving into the Compliance Role in 2004 at my previous firm, I worked in customer service, sales, claims and customer retention departments and I feel that having worked in roles across all the operational teams I have a good understanding of the customer journey and how that can be helped or hindered by regulations and procedures. My varied experience across these roles ensures that I have a commercial understanding and approach to compliance solutions.