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About us

Our lending commonly spreads the cost of important family purchases and life events. We combine this with the option for flexible savings deposits alongside borrowing.

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Our story

20% of people in the UK are unable to access affordable credit or find flexible ways to deposit savings through mainstream banks due to the low value and short-term nature of what they need. This 20% is expected to increase in the economic fallout from Covid 19.

The alternative to our lending is via a reducing number of high cost credit providers which can trap individuals in more vulnerable circumstances into a burden of unmanageable debt. There is also a growing void in the non standard credit market that affordable credit providers need to step into to prevent less scrupulous lenders filling the gap.

We have built a loyal customer base over the years with 65% of our customers using our services on a regular basis. Growing our customer base decreases our cost of delivery, which means we can put more money back into the pockets of the households that need it the most.

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History

We started out in 2002 with a shop in a small former industrial town Blackburn, in North West England. Set up as a Not-For-Profit with the benefit of the community at the heart of our ethos, we quickly discovered that the demand was significant and began to expand into more towns in the North West. We had a compelling mission to help as many people as we could that the mainstream banks and lenders had left behind.

Our Vision

Moneyline has the benefit of the community at the heart of its ethos, values and impact. We aim to deliver fair and affordable financial products and be a highly trusted brand for the lowest income households in the UK.

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Our People

Our people are at the core of our business and our success. We are building an innovative organisation connected to our values and focused on our customers.

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Sarah Beauvallet

Chair of the Board

Sarah’s career has spanned many areas of corporate and commercial banking starting with relationship Director roles in France and the UK for BNP Paribas and HSBC where she developed a deep understanding of business client needs and the value of building sustainable long terms relationships with businesses at different stages of development.

Her passion for finding funding solutions led her to managing teams in international trade, supply chain & leveraged finance. More latterly, she spent five years as Managing Director, building a transactional and liquidity banking business at Santander for their corporate & commercial clients. The role covered all aspects of transactional banking including the full spectrum of payment and electronic banking services.

As a representative of Santander on the board of Vocalink, she has been closely involved with the development of payment technology for B2C & B2B businesses and acted in an advisory capacity to the management team and to the Santander board on the successful sale of Vocalink to Mastercard. She has provided consultancy services since 2016 to a number of payment providers as well as providing broader leadership development and facilitation services to support professional services companies.

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Jan Coos Geesink

Non-Executive Board Member

Chair of Risk & Remuneration Committee

Since 2019 Jan-Coos is a private investor in the financial and legal tech industry and an advisor on the sector to private equity and institutional investors. Before 2019 Jan-Coos spent more than 25 years in financial and legal data and market infrastructure businesses.

He has been a non-executive director at Moneyline since 2019 and is also a trustee at the Social Business Trust.

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Samantha James

Non-Executive Board Member

Chair of Risk & Remuneration Committee

Sam started her career as a chartered accountant, working with Price WaterhouseCoopers. She has spent 20 years working in the water sector, where she is now Managing Director of Household Customer Services for Welsh Water, where she is responsible for all front line customer service to 1.3m households across Wales and parts of Herefordshire and Deeside.

In the last few years, Sam has led on the introduction of financial support schemes and social tariffs to support low income households that struggle to pay for water and sewerage services, developing partnerships with the public sector, other utilities and not-for-profit organisations to explore ways of reducing water poverty.

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Kate Stanley

Non-Executive Board Member

Kate’s career has focussed on bringing about social change with a particular focus on children and families. Currently, she is Executive Director of FrameWorks UK – a research organisation that helps mission driven organisation achieve the social change they seek.

From 2011-2020, she was at UK’s largest child protection charity, NSPCC, where she served as a Board Director. Previously, Kate was Deputy Director of the leading thinktank, the Institute for Public Policy Research, where she worked closely with academics and organisations to influence government social policy and practice.

She has published widely on social policy and advised a wide range of governmental and non-governmental organisations including the University of Glasgow and UK Research and Innovation, and served on the Steering Group on Early Years advising the Duchess of Cambridge on her work in this field.

Kate started her career in international development charities, including Save the Children, working in the UK and overseas. She was awarded a Clore Social Leadership Fellowship in 2010, is a Fellow of the British American Project, and former trustee of Hope and Homes for Children. She holds an MA in Social Anthropology from the University of Edinburgh.

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Ed Seigel

Non-Executive Board Member

Member of the Finance & Audit Committee

Ed joined Charity Bank as Chief Executive in July 2018 from Big Issue Invest (BII), the social investment arm of The Big Issue Group, where he was Managing Director for nearly ten years. During that time, BII grew from a book of social enterprise loans of around £2 million to a diverse array of social funds under management of over £65 million.

Ed has over 30 years of corporate banking, social investment and business consulting experience. He spent the early part of his career in commercial banking, mainly with Credit Suisse. Before joining BII in 2008, Ed was head of the Small Business Banking practice of ShoreBank International (now known as Enclude) where he oversaw the implementation of SME finance programmes and advised financial institutions throughout the developing world.

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Brian Jackson

Non-Executive Board Member

Member of Risk & Remuneration Committee

Brian is an experienced and professional individual with over 20 year’s senior managerial and operational expertise. He has spent his entire career working in financial services related roles in a number of senior positions including at both MBNA Bank of America (‘MBNA’) and British Gas (Centrica). His current role at Together Finance is Director of Operations where he holds responsibility for all customer facing functions in the regulated personal finance business.

Brian has held various roles during his career in finance and is currently an FCA approved person. These roles have included Director of Credit, Fraud, Collections & Recovery Operations for MBNA and Director of Credit & Collections for Centrica. This has provided Brian with a comprehensive range of both personal skills and management experience. Within these roles he has committed to ensuring that excellent customer outcomes are achieved.

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Matthew Harvey

Non-Executive Board Member

Member of Risk & Remuneration Committee

Matthew specialises in banking and asset finance. He is a leading asset finance lawyer with more than 20 years’ experience. He is known for his knowledge of the market, his responsiveness and proactive approach.

He has worked on numerous transactions covering a range of assets and sectors, from aircraft to computers. He handles a variety of asset based structures, including cross-border and off-balance sheet transactions. Matthew has particular experience in equipment leasing as well as the financing of corporate aircraft and helicopters. His work includes export credit, vendor finance, receivables finance and the sale of leasing companies and lease portfolios.

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Kevin Chong

Non-Executive Board Member

Member of the Finance & Audit Committee

Kevin is Co-Head of Emerging Companies, Investec Bank UK, and Co-Head of Outward VC, a London-based venture capital fund. Backed by Investec, NIBC Bank and other international investors, Outward makes early-stage investments in UK-headquartered fintechs addressing large, global opportunities. Outward’s portfolio include Bud, Curve, Monese and PrimaryBid. Kevin works closely with Outward’s portfolio companies post-investment.

Kevin is also a non-executive director of the Greater London Investment Fund, a fund of funds backed by the Mayor of London and the European Regional Development Fund.
Prior to Venture Capital, Kevin worked internationally in capital markets for many years and holds degrees in Law and in Commerce.

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Diane Burridge

Chief Executive Officer

Joining Moneyline almost 20 years ago from a background of senior roles within the commercial manufacturing sector. Diane has been instrumental in creating a customer focused brand that is innovating products and services to build resilience, reduce anxiety and create dignity and trust in the financial lives of low income communities.

Diane is an Alumni of the Goldman Sachs 10,000 Small Business Programme and has also completed the Strategic Perspectives in Non-profit Management Programme with Harvard Business School, combining this with a US study tour of credit unions and micro lenders.

She is a member of the inaugural WISE100 (top 100 women in social enterprise) and in 2019 was honored to become a Senior Fellow of the Finance Innovation Lab, recognising a significant contribution toward creating a sustainable financial system and supporting the Labs work.

With extensive social sector lending knowledge. Diane has been a member of various advisory groups for research into financial inclusion and the availability of affordable credit for the financially excluded, including working with JP Morgan, The Centre for Social Justice, The End High Cost Credit Alliance and the Cabinet Office.

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Shiona Crichton

Chief Operating Officer

Member of Risk & Remuneration Committee

Shiona is a qualified Accountant (ACMA) and was appointed as CFO of Moneyline in December 2013, moving into the COO role in February 2016. Shiona brings over 15 years of experience in Finance Services, 10 of which were spent in RBS. She has had a broad range of roles including Decision Support Manager for RBS mortgages, Financial Controller for RBS Invoice Finance and a variety of project roles. Shiona was a member of the Responsible Finance Board during 2015/16.

Before joining Moneyline Shiona took a year out to work as a volunteer consultant to NGO’s in Cambodia which greatly broadened her experience and challenged the way of thinking.