
Francois
Fraction CFO & Strategic Adviser @ FIT Labs
London, United Kingdom
Experienced C-suite and Board level executive with substantial financial and corporate development expertise. I specialise in leading businesses through periods of growth via accelerated scaling, arranging debt or equity financing, M&A, and launching disruptive products and technologies.
Domain experience
Relevant Total Experience: 16 years
Seniority Level: Senior
Sector Experience:
Alternative Finance Asset Management Consumer Lending Insurance Payments Personal Finance and Planning Real Estate Management and Development Risk and Compliance Software and ServicesSkills
Skilled in: Corporate Strategy, Project Management Office (PMO), Divestitures, Target Sourcing, Venture and minority investments, Acquihire, Joint Venture, Commercial Due Diligence, Financial Due Diligence, Vendor Due Diligence, Term Sheet, Contractual Agreements, Financial Regulation, M&A Negotiations, Bolt-on acquisitions, Financial Planning & Analysis (FP&A), Buy-and-Build, Value Creation & Enhancement, Strategic Finance, Private Equity & Growth Capital, Sell-side M&A
Technical Skills: Salesforce, Microsoft Excel, PowerPoint, Bloomberg, Microsoft Office, Capital IQ
Languages: Spanish, English, French
Work Experience
flatfair
Co-Chief Executive Officer
●01/08/2022
- Now
Habito
Chief Capital Officer
●01/03/2020
- 31/08/2022
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
VP Capital Markets
●01/07/2018
- 31/03/2020
• 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
Director - Asset Finance & Securitisation
●01/04/2016
- 31/07/2018
• 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
Vice-President - Institutional Advisory & Solutions
●01/01/2014
- 30/04/2016
• 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)
Senior Associate
●01/08/2009
- 30/06/2013
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
M&A Analyst
●01/07/2007
- 31/07/2009
• 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
Education
HEC School of Management
Finance
●01/01/2003
- 31/12/2007
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