Australian Consumer Finance Forum 

Tuesday 16th August 2016
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    Australian Consumer Finance Conference 2010

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    Australian Consumer Finance Forum



      Kareem Al-Bassam

    Sr. Director, General Manager 
    PayPal Credit Australia

    Kareem Al-Bassam is a payments industry veteran with more than fifteen years in global financial services. In his role as PayPal's General Manager of PayPal Credit Australia, Kareem leads PayPal’s credit business, including PayPal Working Capital, launched in late 2014.  With PayPal since 2011, he has held several leadership roles in Business Development, Innovation and Delivery in California and Sydney.  Prior to PayPal, Kareem led S1’s (now ACI) profitable Payment Services group, one of the largest US bill payment consolidators.  Prior to S1, Kareem worked with NetSpend (now TSYS) and Card Tech Limited (now TSYS too) in an innovation capacity with postings in Asia-Pacific and Europe.

      Michael Baumann
    General Manager Unsecured Lending & Payments
    Commonwealth Bank of Australia

    Michael Baumann is General Manager for Unsecured Lending & Payments at CBA with responsibility for the personal loan, overdraft and car loan products as well as the development and execution of CBA’s payments strategy. 

    Prior to this, he worked as General Manager in Group Strategy with responsibility for CBA’s corporate strategy development and as a Principal at the Boston Consulting Group’s Financial Services practice. Michael holds a graduate degree in Business Administration and a Doctorate in Economics.


    Peter Beaumont
    Chief Executive
    DirectMoney Limited

    Peter is the Chief Executive of DirectMoney Limited, having joined the company in April 2015.  DirectMoney offers a better deal for personal loan borrowers and investors.  Prior to this role Peter enjoyed a 25 year, international banking and finance career in executive and management roles with Citibank, Bank of America Merrill Lynch, ABN AMRO and UBS AG.  Peter also worked as a client advisor with boutique, Australian advisory and funds management firm, Aquasia.  Peter brings to DirectMoney significant relevant experience in sales management, distribution of financial products to HNW investors and transitioning finance businesses to online models.


    Steven Brown 
    Director of Bureau Engagement 
    Dun & Bradstreet

    As Director of Bureau Engagement for Dun & Bradstreet, Steven is responsible for ensuring D&B continues to deliver high quality, innovative consumer products and solutions to its customers across Australia and New Zealand. Since commencing his career with D&B in 1989, has played a key role in bringing innovative credit management solutions to the Australasian market. Steve has also helped shape and implement scoring and decisioning tools that have increased the efficiency of the credit approval process for some of the country’s leading credit institutions.  Prior to assuming the role of Director, Steve held various senior sales and management positions across D&B’s WA, NSW and Victorian offices.

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    Angus Gilfillan
    Executive General Manager, Consumer Lending
    National Australia Bank Limited

    Angus has more than 18 years of banking experience across product, retail, wholesale,wealth management and strategy. Angus was appointed to the role of Executive General Manager of Consumer Lending in October 2014. Angus is responsible for leading Mortgage Lending, Credit Cards and Personal Loans as well as Credit Portfolio Management and Process Delivery and Support.

    Before joining NAB in October 2014, Angus spent 17 years with ANZ in various roles including Head of Home Loans Product, Chief Operating Officer ANZ Private Wealth, Head of Strategy and Marketing Transaction Banking, as well as other senior roles in Mergers and Acquisitions and Venture Capital. Angus holds a Masters in Business Administration (Melbourne Business School), a Graduate Diploma in Applied Finance and Investments, and a Bachelor of Business.

      Rohan Harrap

    General Manager Lending A&NZ
    Latitude Financial Services

    Rohan is responsible for managing Latitude’s personal loan and motor loan businesses in Australia and New Zealand. Rohan has worked in financial services for over 20 years and joined GE Capital (now Latitude Financial Services in Australia and New Zealand) in early 2015 as Strategy and Product Director with accountability across cards and loans. Prior to joining GE, Rohan held a range of roles at ANZ covering credit cards and personal loans, most recently as Head of Consumer Credit and Prepaid Cards and prior to that as Senior Manager Personal Loans and Overdrafts. Rohan has extensive experience in new product development, product management and driving business growth in the consumer finance space.

      Clayton Howes

    CEO and Co-founder
    MoneyMe Financial Group

    Clayton Howes is the CEO and co-founder of MoneyMe (, a fintech startup using technology to revolutionise lending to the millennial market in Australia.

    Prior to co-founding MoneyMe, Clayton accrued over 15 years’ experience delivering investment strategies, restructuring operations, and launching start-ups across corporate, merger, and new business structures. 

    Clayton is passionate about leveraging innovation and technology to design financial solutions for consumers and business. He is also an enthusiastic ambassador for brand and people leadership, and keenly supports any startup ventures with the potential to create real consumer value.

      Luke Howes

    Co-founder and CEO

    Luke is the co-founder and CEO of Proviso, a Fintech company focused on automated, real time bank statement data and categorisation. Since founding the company in 2013 it has grown to provide services to over 350 lenders and broker groups in Australia and New Zealand.

    Luke founded his first company in 2005 and has been growing startups ever since. He is passionate about entrepreneurship and is a regular speaker on topics relating to Fintech, Disruption and Innovation. He studied undergraduate psychology and has an MBA from Macquarie Graduate School of Management.

      Barnaby Jenkins

    Head of Transaction Banking Products
    HSBC Bank Australia

    Barnaby is Head of Transaction Banking Products at HSBC Bank Australia, a leading international bank supporting retail, business, corporate and institutional banking customers in Australia through its network of 33 branches and offices.
    Barnaby joined HSBC in London in late 2006. During his time in the UK he held multiple roles within the product management and marketing departments, including Head of Cards and Overdrafts and Head of Marketing Performance. He moved to Australia in 2014 to manage the cards portfolio, and has since taken on responsibility for personal loans, deposit products and current accounts.

    Prior to joining HSBC, Barnaby was a management consultant in the telecoms industry and later managed corporate card products for ANZ and co-brand card products for Citibank Australia. 

    Barnaby holds a Masters degree in Ancient and Modern History.

      Stephen Koukoulas

    Economics Advisor
    Dun & Bradstreet 

    Stephen Koukoulas has a rare professional experience with 30 years as an economist in government, banking and finance and policy formulation. Stephen has spent the bulk of his career working in financial markets, including as head of Global Research for TD Securities in London and as Chief Economist (Australia) at Citibank.
    Stephen also worked briefly as Senior Economic Advisor to the former Prime Minister, Julia Gillard, and previously spent close to a decade in the Commonwealth Treasury. More recently, Stephen established Market Economics, a firm that focuses macroeconomic analysis and policy issues. 
    Stephen is currently Economics Advisor to Dun & Bradstreet as well as being a research fellow at Per Capita and writes regular comment and opinion pieces for The Guardian.

      Alan Machet
    Head of Cards & Consumer Loans Australia

    Alan joined Citi in September 2013 and is responsible for the Australian Cards and Consumer Loans business encompassing  Bankcards, Ready Credit, Diners Club Australia and Citi Merchant services.  Alan is also a member of the Australian Consumer Bank Senior Leadership team and in that capacity, is responsible for achieving our broader Consumer Bank  goals, focusing on driving a better by far NPS result and deepening client relationships to ensure we grow the number of customers in Australia who see Citi as their main financial institution.

    Previously to commencing with Citi, Alan was with Macquarie Bank where he worked for six years, most recently as the Head of Cards and Direct Distribution of retail products in Macquarie’s Private Wealth Division.
    His Cards business experience commenced in South Africa where he worked for The Standard Bank before emigrating to Australia in 2004 and joining Westpac where, amongst a number of other Cards roles, he managed the Virgin Money credit card program.

    Alan studied at the University of Witwatersrand in Johannesburg qualifying as an industrial engineer before completing an MBA.

      Adriana Martinez
    Head of Consumer Cards and Prepaid

    Adriana has 20 years financial services experience spanning funds management, wealth management, insurance, retail banking and consumer credit cards. She joined ANZ in 2015 in her current capacity as Head of Consumer Cards and Travel Prepaid, where she manages a portfolio of over 2million customers and greater than $8bn in receivables. Prior to joining ANZ she held several positions within Citibank including international assignments, across marketing, product, loyalty, projects, sales and contact centre management, partnerships and other general management positions. 

    Adriana holds a Masters in Management ( MGSM), a Graduate Diploma in Marketing, and a Bachelor of Business ( Economics and Finance).

      David Masters
    Head of Public Policy

    David Masters leads Public Policy for MasterCard in the Asia-Pacific region. He started his career as a journalist and political advisor before a stint with the World Bank as a market spokesperson in South East Europe. In the late 90s, he started with MasterCard’s Mondex business in what would end up being the start of a long payments career. Since then he’s worked in strategy, communications and policy roles in both Europe and Asia. 

      Julie Nestor
    Vice President & GM, Consumer Marketing & Digital Product Development
    American Express

    Julie Nestor has spent the last twenty years in marketing and general management roles across agency, telecommunications and financial services industries.

    She joined American Express 10 years ago where she has held numerous marketing, partnership and general management positions.

    In 2012, Julie relocated to Hong Kong , where she was responsible for running American Express Asia’s insurance business.

    In 2014, Julie returned to American Express Australia to manage Brand, Rewards and Digital commerce, leading and executing on our core digital marketing and payment strategy across web, mobile and social and developing new loyalty platforms and assets to ensure American Express continues to provide differentiated and unique benefits to our cardmembers.

      Neil Roberts
    Founder and CEO

    Financial services entrepreneur Neil Roberts is the founder and CEO of Harmoney, New Zealand’s largest P2P lending marketplace. In January 2015, Trade Me bought an $8m, 15% stake in Harmoney, which has gone on to assess more than $2b in loan applications and return $20m in interest to lenders. Previously Neil was a key part of the team that took Australian company Flexigroup from a mono product and channel business to a top 200 ASX-listed entity with a market cap in excess of $1b.

    David Singh
    General Manager, Credit Cards
    Commonwealth Bank of Australia

    David Singh is General Manager, Credit Cards at the Commonwealth Bank of Australia (CBA). He is responsible for managing the P&L of the Credit Cards Portfolio comprising approximately 3 Million accounts, and over $10.6Billion in receivables.

    David joined CBA in January 2008. Prior to that, he held various senior management roles at Citigroup including assignments in Australia, Taiwan and Singapore.

    CBA Cards is the largest cards portfolio in Australia with consistent above market average growth for the last 7 years. CBA was named the Best Cards Issuer in Australia in 2011 by the Money Magazine. CBA MasterCard Diamond was awarded the “Best Affluent Card” in 2012 and the CBA/Myer instant rewards redemption was awarded “the most innovative banking imitative” by Mozoin 2013. CBA’s innovation Lock, Block and Limit won the Canstar Innovation Excellence Award in 2015 and our most recent innovation of a more customer centric Travel Insurance included with our Cards won the Canstar Innovation Excellence Award in 2016.

      Andrea Zannier
    Oliver Wyman

    Andrea Zannier is a Partner in Oliver Wyman’s Sydney office and leads the local Retail and Business Banking practice. He combines deep expertise in retail banking with a focus on payments, mortgages, distribution, analytics and the launch of new products.

    During his 18 years of experience in financial services, Andrea worked in strategy consulting with BCG and McKinsey in Europe and Australia and held line management roles with Citibank, Macquarie Bank and MasterCard.
    Andrea holds a MBA from The Kellogg Graduate School of Management and a degree in Industrial Economics and Strategy from Universita' Commerciale Luigi Bocconi.


    Angus Gilfillan
    Executive General Manager, Consumer Lending
    National Australia Bank Limited

    Angus has more than 18

    Angus Gilfillan
    Executive General Manager, Consumer Lending
    National Australia Bank Limited

    Angus has more than 18

    Clayton Howes

    CEO and Co-founder
    MoneyMe Financial Group

    Clayton Howes is the CEO a

    Clayton Howes

    CEO and Co-founder
    MoneyMe Financial Group

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