flatfair

Habito

Habito is the award-winning, UK’s leading digital mortgage broker, launched in 2016 and backed by leading VC investors (Mosaic Ventures, Ribbit Capital, Atomico, Augmentum and SBI). Having successfully obtained a licence from the FCA, Habito started its proprietary mortgage lending activities in 2019. My new role encompasses, in addition to retaining previous responsibilities: • Executive Committee member, directly reporting to the CEO • In charge of debt and equity fundraising, capital markets and investor relations (successfully led Habito £35m series C in the first half of 2020, and raised £1bn of committed capital through to fund UK's first long term fixed mortgages, backed by Tier 1 US credit fund and European investment banks in 2021) • Leading the financial planning and analysis together with the COO

Habito

• Overseeing the Company's capital market strategy and overall lending activities • Establishing and managing relationships across asset managers, banks, insurance companies and pension funds • Leading the execution of debt and equity transactions - successfully raised a £500m forward flow facility for BTL mortgages and an additional £20m in commitment to support the roll out of Habito Go • Managing the team across lending product development, commercial and finance operations as well as risk management

BNP Paribas

• Originating ABS transaction across Europe, with particular focus on private equity, hedge funds and P2P lenders • Structuring both private and public deals, including warehouse and subsequent ABS exit • Experienced in residential mortgages, auto loans, credit cards and secured NPL financing

BNP Paribas

• Advising financial and public institutions on dealing with financial stress, regulatory change, balance sheet optimisation, capital efficiency and business strategy. • Active involvement in executions (DCM & hybrid capital structuring, synthetic securitisation, M&A, loan book disposal advisory)

European Resolution Capital Partners Ltd (ERC)

Ex-Goldman Sachs led's distressed asset management firm partnering with European banks and managing in excess of €10bn of distressed assets and portfolios on their behalf • Managing distressed loan portfolios of European banks to optimise value through restructuring and recovery of individual non performing exposures including restructuring of loan terms, structuring debt for equity swaps and other complex products with equity upside, as well as leading asset disposal programs • Conducting due diligence on various CEE and Spanish banks, including shadow-pricing of NPL portfolios • Setting up asset management entities and restructuring units ("bad banks"), including staff training, organisation, governance and internal policies

Goldman Sachs

• Execution of various M&A, LBO, and equity raising transactions • Prepared marketing documents, company’s business plans, valuation analyses, merger and LBO models • Led due diligence and coordinating legal, tax and accounting advisors

HEC School of Management