Next-Generation Credit Decisioning
Transforming financial data with the power of AI

Working to make credit systems work better for everybody

Finexos was conceived to improve credit-scoring systems that underserve modern stakeholders. We designed and built our technology to help borrowers and lenders manage risk in a mutually beneficial relationship, to enable financial inclusion, capability and mobility, and to help protect credit markets and the flow of credit because:

Millions of consumers and SMEs struggle to access credit, prime rates of credit or are financially excluded

Credit providers are locked-out of untapped markets, default rates & loan origination costs are unnecessarily high
The new regulatory focus on financial inclusion and protection of vulnerable consumers

Access to credit for consumers and SMEs is the single largest contributor to GDP growth, exclusion is a major blocker to social and financial mobility

The rising cost of living is pushing more people into financial vulnerability. Lenders have increased duties to provide good outcomes for consumers. Access to credit is the single largest contributor to GDP growth. Finexos is working to improve credit for everyone.

The Team

We are an award-winning global team of innovators, scientists and technologists working towards a more inclusive finance system with less risk for all.
Darren Smith headshot
Darren Smith
Darren has 25 years experience in consumer financial and legal services, having worked in retail banking at RBS. He also spent time at HFS Loans (sold to Capital One), where he headed up loan underwriting. He was also a former board director and shareholder at One Advice Group, which was the leading provider of personal insolvency and legal solutions in the UK.
Mark Fisher
Founder & Head of Product
Mark is a fintech innovator and winner of multiple, global awards, including the winner of the 2020 Innovate UK Fairer Finance Hackathon. He sat on the FCA’s Consumer Vulnerability Workgroup and is the founder of Finexos.
Steven Bone
Steven sat on the investment committee at Doughty Hanson, where he structured multiple buyouts and successful exits, including those of Saft Batteries from Alcatel (France), ATU from the Unger family (Germany), Hellermann Tyton from Spirent Plc (UK), and TV3 from ITV Plc (Ireland).
Alex Minshall
Alex has delivered award winning transformation projects for major banks. He led the teams for HSBC’s landmark Trade Transformation, their Balance Sheet Realignment Programme, as well as orchestrating their Brexit response. He is also a founder himself, having built a SAAS based tech start-up in the 2000s.
Thomas Belli
Head of Operations
Tom assisted in running a £100M equity portfolio at a London-based investment manager. Previously, he headed up the operations and compliance for a multi-family office. Tom holds a MSc Corporate Finance, the CFA Level 1, and is a qualified investment professional.
Amy Dron
Head of Communications
Amy has extensive experience managing the communications for tech start-ups and scale-ups. She specialises in the Fintech sector and has a focus on sustainability and social issues.
Dineth Kiri-Ellage
Business Analyst
Dineth holds an MSc Security & Risk Management with expertise spanning market research, data analytics, and project delivery. His role sits at the intersection of tech, product, and business.
Mioni Armstrong
Mioni conducts extensive research to support the product development cycle and is also the sustainability arm of the team. She holds an MSc Environmental Science and has international experience of working abroad in Japan.
Areiel Wolanow
Areiel led the team that delivered ML-based credit scoring for M-Pesa in Kenya. Previously, he was the financial services practice leader for IBM (East Africa), advisor on AI and Blockchain to UK Parliament, and a speaker on financial inclusion at the G20.
Speak to one of our team to book a demo or discuss your needs.

 Get in touch
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