Meet the Team
Our team combines credit industry expertise, broad financial and business experience and financial technology innovation.
Edward Crozier
NON EXECUTIVE DIRECTOR
Ed injects a wealth of business and consumer financial experience to the team and his expertise in corporate governance and capital raising ensures the company is not only well capitalised but regulated with thorough ness and integrity.
Ed is a highly experienced non executive director and has worked in high profile roles across a range of media, brand development, local and central government, sport, culture and financial sectors. He is immediate past president of The Scottish Rugby Union and currently chair of Dance Base.
Castlight’s integrity is fundamental to the way it does business and I firmly believe that if our Affordability Passport® had been available prior to the financial crash of 2007-08 it could have stopped in its tracks the mis-selling of mortgages and sub prime loans.
Martin Leonard
CHIEF OPERATING OFFICER
Martin is responsible for driving Castlight Financial’s growth as the company continues to develop web-based financial products and forge effective relationships with financial retailers across the UK and internationally.
Having previously worked for both Equifax and Callcredit, his extensive industry expertise in credit risk, market intelligence, anti-fraud and verification issues means he understands the nuances of our clients’ businesses and is ideally placed to work with them to develop and implement solutions.
More and more lenders are trying to move away from a “computer says no” approach to customers looking for credit or loans. Our Affordability Passport® tool allows you to really understand your customer’s financial capability and puts you in the best position to offer them the most relevant products and services.
Martin Hagerty
CHAIRMAN
As Chairman of Castlight Financial, Martin is a hands-on member of the team, sharing his extensive industry experience and providing an invaluable resource for clients.
A former Chief Risk Officer at HSBC for the retail bank in Europe and latterly for Latin America, based out of Mexico City, he has been responsible for the whole risk lifecycle from analytics and strategy to collections and recoveries at a number of blue chip organisations such as HSBC, Marks & Spencer Money, MBNA, HBOS Card Services and Standard Chartered Bank.
Over the years, I have seen the tremendous opportunities that credit resources have opened up for people but also the impact on lives when credit has proved unaffordable. That’s why I am so committed to Castlight’s innovative technology that allows financial retailers to provide customers with a passport to financial wellbeing.
Kevin Allen
CREDIT & FRAUD PRODUCT MANAGER
Kevin heads up the products deployment team as they work with some of the UK’s largest banks to deliver affordability solutions and help them prepare for the regulation and opportunities of open banking early next year.
With 20 years of experience across the credit and fraud risk industry, customers benefit from both Kevin’s expertise and his fiercely analytical mind.
Our team at Castlight is shaping the future of financial capability and it is encouraging to see so many clients taking advantage of access to unprecedented affordability analysis.
Scott McKeand
TECHNICAL PRODUCT & PLATFORM MANAGER
Scott leads the technical team and has 15 years experience building enterprise software. He has been involved with number of software development teams delivering software in wide ranging industries from healthcare, manufacturing, service management, project management, oil & gas and power generation. Scott works closely with clients to deliver solutions leveraging Castlight’s unique product offerings.
The attraction to Castlight was obvious. The team are creating groundbreaking products in the Affordability Passport & CaaS which will help avoid a repeat of the financial crash. Both lenders and customers now benefit from an in depth picture of the customer’s financial position allowing better decisions to be made and opening up access to credit.
David Tracy
CHIEF ANALYTICS OFFICER
David is responsible for ensuring Castlight’s products leverage the latest state of the art data science techniques, and for creating innovative new products to help clients and consumers make better financial decisions. David has built and led data science teams in the UK and internationally, and brings a wealth of expertise from the insurance and gaming sectors. He specialises in helping businesses understand who their customers are, what they will do next, and developing and building the optimum strategies to strengthen these relationships.
Castlight’s mission to build a safer financial world inspires me. I’m proud to be playing a part in achieving that, as well as working day to day, with a team of such passion and integrity. Our CaaS and Affordability Passport products give consumers with little credit history access to products that might otherwise have been unavailable and they also help lenders to find customers they might have rejected out of hand. It’s a win-win proposition.
Jason O’Shaughnessy
NON EXECUTIVE ADVISOR
Jason is Head of Business Development for a company providing cyber security tools that automatically detect advanced cyber threats, combining innovative AI with human expertise.
Jason has also spent 15 years with a leading data aggregation and data analytics platform, which provide innovative cloud-based services for financial services companies. During this time, Jason was responsible for developing markets outside of the US.
When I started talking to Phil and his team, I realised that I’d hit a sweet spot. They know the industry inside-out and have a creative, innovative vision for moving their business forward. They want to do the right thing for consumers and financial institutions and make the mortgage space easier, faster and safer for everyone involved.
Ryszard Jedrzejewski
HEAD OF PRODUCT AND INNOVATION
Ryszard’s mission at Castlight Financial is to drive business growth through product development and innovation. Supported by a team of talented product developers, Ryszard is responsible for bringing big ideas to the table and then using his business and digital strategy experience to turn them into ground breaking customer resources and solutions.
Ryszard has a well-earned reputation in the industry for making things happen and Castlight’s customers benefit from his ability to see the big picture, identify opportunities for growth and move at pace to deliver an innovative new product.
We need to be agile in today’s fintech community if we want to create the best products to deliver our core objective of a “safer financial world”. Digital strategies have to be hugely innovative and developed and delivered with speed. I have an exceptional team here at Castlight which allows me to drive a “post-it note to live within weeks” product development programme.
Phil Grady
CHIEF EXECUTIVE OFFICER
Phil’s impressive track record in developing and growing businesses across the media and financial sectors, has been integral to Castlight launching their financial products and positioning them as market leaders within just two years. As a former senior executive with Grant Thornton and chief operating officer of Creditfix, which is now the largest insolvency practitioner in the UK, Phil was instrumental in developing and driving the strategy that shaped these businesses into industry leaders.
I’ve seen so many people unable to get a loan or forced to pay punitive rates to access credit simply because they haven’t got a credit history. This seemed unfair and unnecessary and was the inspiration behind the creation of our Affordability Passport® which opens doors for both customers and financial retailers.
