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
Nigel Wray

Nigel Wray

Founder & Director

Nigel has over 30 years’ experience in financial services including being a Senior Manager at Leeds Building Society (LBS) and an Approved Person and Board Director of an LBS subsidiary.

Nigel also has extensive experience in the motor sector working within motor dealerships and in senior roles with Vauxhall Finance. He is MBA, ACIS and Prince 2 qualified.
Phillip Garlick

Phillip Garlick

Managing Director

Phillip has 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 IoD London and is MBA qualified.
Tim Whaley

Tim Whaley

Relationship 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.