
Nici Elliot
People Manager

Stephen Mitchell
Head of Finance

Sean Bygrave
Head of Risk and Compliance

Roxanne Wellens
Arrears and Collections Manager

Danielle Downes
Customer First Manager

Nasar Ghuznfar
Lending Manager

Alavi Quraishi
Software Manager


Non-Executive Board Member
Chris has extensive experience at Board level in financial services and social enterprise organisations, both as an Executive and Non-Executive Director, most recently as Chair of Age UK’s commercial business, Trustee at Age Scotland and Trustee at Richmond Fellowship Scotland, the country’s largest social care provider. Prior to that he was Chair at British Friendly Society, a leading member owned mutual insurer which specialises in income protection products, and a Non-Executive Director at Wave Community Bank, a credit union that provides ethical and affordable financial products to lower income families.
In his Executive career he held senior leadership positions in a number of financial services firms including Chief Executive of the Lambeth Building Society, Managing Director of Legal & General’s unit trust business and Group Chief Executive of TIS Group, a specialist investment firm.


Non-Executive Board Member
Jan Coos spent more than 25 years as a senior executive in the Financial Services, Legal, Risk and Compliance markets for Thomson Reuters, Refinitiv and Dow Jones. Since 2022 he is an independent advisor on the sector to private equity and institutional investors.
He has been an non-executive director at Moneyline since 2019 and is also a trustee at the Social Business Trust


Non-Executive Board Member
Chair of Audit, Risk and Compliance Committee
Kevin is Co-Founder and General Partner of Outward VC, a London-based venture capital fund investing in fintech and connected sectors. With extensive experience serving on technology startup boards, he supports founders and management teams on governance, growth strategy and fundraising. Beyond his work at Outward VC, Kevin is closely involved in innovation ecosystems through several governance roles. He serves as a non-executive director of the Greater London Investment Fund, a fund of funds providing loan and equity finance for early stage businesses, and sits on the investment committee of the London Co-Investment Fund, a public-private venture capital fund. Prior to Venture Capital, Kevin worked in corporate banking and capital markets. A Fellow of Chartered Accountants Australia, he holds dual degrees in Law and Commerce.


Non-Executive Board Member
Jenni is an accomplished professional with a diverse background in leadership across the finance, legal and insurance sectors.
Jenni is currently Director of Operations at Hastings Direct, managing over 1000 FTE across the UK and Internationally. Prior to this, Jenni held multiple executive positions at Slater & Gordon Lawyers (UK), including Managing Director of Essential Legal Services and Group Director of Customer Operations.
Jenni’s experience encompasses strategic roles at; NewDay, Barclays and Lloyds, where she held senior positions in Collections & Recoveries and Customer Transformation, including managing subprime & vulnerable customer segments.
Jenni is proud to be recognised in the credit 500 for the last 7 years.


Non-Executive Board Member
Chair of Impact Working Group
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.


Non-Executive Board Member
Member of Audit, Risk and Compliance Committee
Matthew specialises in banking and asset finance. He is a leading asset finance lawyer with more than 25 years’ experience. He is known for his knowledge of the market, his responsiveness and proactive approach. Matthew regularly represents clients on both large transactional matters and more routine business operational needs. He is especially adept at managing complex transactions and coordinating the legal teams that are required to close them effectively. He works closely with management teams of clients as well as other professional advisors. Additionally, he helps clients solve day-to-day problems and with more routine business agreements.


Chief Executive Officer/Executive Director
Shiona is a qualified Accountant (ACMA) and was appointed as CFO of Moneyline in December 2013, moving into the COO role in 2016 and appointed as CEO in May 2022.
Shiona brings over 20 years of experience in Financial 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. Just before joining Moneyline Shiona took a year out to work as a volunteer consultant in Cambodia’s Siem Reap area, working with a range of small local NGOs to large international organisations.
Shiona was a member of the Responsible Finance Board from 2015-16 and remains dedicated to the CDFI sector.
In 2024 Shiona was awarded Women in Credit: Business Leader of the Year (Credit) and has been picked for the Credit Strategy 500 for the last 2 years.


Chief Technology Officer
Rachael has over 25 years’ experience working across Financial Services, with over 20 of those years being in the Yorkshire Building Society. Rachael has a broad range of skills and expertise gained from her variety of roles which include being Head of Branch Network to Portfolio Business Change Manager.
Rachael has been at Moneyline for 4 years and delivered the systems change required to move from being a mainly branch based organisation to a lender who can support vulnerable customers in a digital world.


Chief Operations Officer
Steve joined Moneyline in 2022 from Provident Financial Group (PFG) a leading operator in the non-standard consumer credit market. Whilst at PFG he built the operations for a new Guarantor Loan product. He was subsequently appointed to the Senior Strategic Operations role to lead a team of people who were instrumental in the re -build of the 1stline oversight operating model for the Home Credit division of the business, most recently leading the transformation to a new remote model in reaction to COVID19.
Steve started his career in consumer finance in 2000 in a Branch Networks Role with HFC Bank a member of the Household International group, one of the largest US finance houses, progressing to Regional Manager and then joined the HSBC Premier Banking Management Team. He then moved to Co-operative Legal Services (CLS) Northern UK team as Senior Business Development Manager, responsible for the promoting the sale of Wills services, Funeral Care through the Bank Branch network and contact centres before joining Provident Financial Group in 2014.
Steve in the role of COO with Moneyline brings a highly dynamic experienced senior leader with a proven track record in delivering results through his significant experience in consumer lending. His skills in Business Performance, Product Development, Change Management and Business Transformation including launching Start Ups and new products to market, further strengthens our leadership team to deliver our future strategy for the organisation
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