We're a team of Australian non-bank lending and SME experts.

In a career spanning more than 30 years, Patrick is a veteran of the Australian financial services industry having worked for and led a range of blue-chip institutions including Price Waterhouse, Macquarie Bank and Pepper Group. He was Australian Managing Director and Co-Group CEO of Pepper Group (ASX:PEP) from 2007 to 2017. Patrick is a non-bank lending and debt capital markets specialist. He is also a former Deputy Chairman of the Australian Securitisation Forum (“ASF”) and current Non-executive Chairman of COG Financial Services Limited (ASX:COG). Additionally, Patrick currently serves as a non-executive director of Shift Financial Pty Ltd.

As one of Australia’s most renowned credit specialists in consumer, residential and SME lending, David has over 35 years experience in senior banking, credit and operational roles. He is a pioneer of the Australian non-conforming mortgage market and was instrumental in the development and growth of Pepper as Group Head of Credit and COO for nearly 17 years. Prior to joining Pepper, David was a pioneer of the specialist mortgage lending market in the UK with Preferred Mortgages. He also held senior credit and management roles with Citibank and Nationwide UK.

Philip is a driven and highly professional senior executive with a strong financial services background and more than 20 years’ experience in debt and equity capital markets, M&A, structured finance, financial risk management, investment management and accounting. He is a chartered accountant and chartered financial analyst, and has previously held senior executive and treasury management roles with Macquarie Bank, Virgin Australia, Allco Finance, Fitch Ratings and Arthur Andersen.

Tim was appointed Executive Director of FSA Group Ltd on 30 July 2002. Tim holds a Bachelor of Business Degree (majoring in Accounting and Finance) from Australian Catholic University and is a Certified Practising Accountant.