castlight team

Castlight Financial - Meet the Team

Our team combines credit industry expertise, broad financial and business experience and financial technology innovation.

Edward Crozier

Edward Crozier

Non Executive Director
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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.”
Phil Grady

Phil Grady

Chief Executive Officer
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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."
Martin Leonard

Martin Leonard

Chief Operating Officer
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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

Martin Hagerty

Chairman
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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
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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."