Our Board

Date of Appointment
22 July 2019 as COO. 1 May 2021 as Executive Director

Appointed CEO 21 February 2022

Background and Career
When first joining the Company, Gary was given responsibility for leading the integration and development of the digital business, Shelby Finance, including the delivery of new platforms which could effectively meet customer demand as the business grows. Gary also took on overall responsibility for the Group’s IT and Change functions. In February 2022, Gary was appointed Group CEO.

Prior to joining the Company, Gary was Interim COO of Sainsbury’s Bank, a role he held for almost two years, with a focus on IT, information security, call centres, operations and business change. Prior to this, he held various roles at Aviva plc, including Interim COO of Aviva Ireland and Interim Managing Director of Aviva Life & Pensions Ireland where he quickly digitised the business turning it around to become the fastest growing insurer in Ireland.

Areas of Expertise
Gary has wide-ranging financial services experience, having worked at senior levels in organisations including Egg plc, GE Capital, Aon Ltd, Santander Plc, Vertex, Anglo Irish Bank and Northern Rock. He has extensive expertise in both developing and delivering digitised product offerings, with significant customer-focused experience often in challenging regulatory and market conditions.

Date of Appointment
05 November 2022

Background and Career
Steve joined the Board in the role of Interim Chair with effect from 5 November 2022, subject to FCA approval.

Following an early career at a number of major companies in retail and financial services, that led to several Board appointments, Steve set up his own practice in 2012, and has since focused on the successful turnaround and growth of a number of companies in the private equity space, including founding partnerships in two investment and advisory firms. He played a key role, as CEO, in Morses Club’s acquisition of Shopacheck and subsequent flotation on the AIM market in 2016; and returned in 2022, initially advising the Board on strategy, before taking the role of Interim Chair.

Areas of Expertise
Steve has extensive experience as a Chair and CEO in a wide variety of sectors, including financial services, as well as a direct knowledge of the credit sector that dates back to 2000. He has a proven track record and particular expertise in working with financial institutions and executive teams to effect business transformation.

Date of Appointment
1 January 2021

Background and career
Graeme was previously the Chief Financial Officer of BrightHouse (a trading name of Caversham Finance Limited) which provided rent-to-own and cash lending services to the UK consumer market. Graeme became the CFO of BrightHouse in 2018. He joined the company in 2011 and held a number of roles including Director of Finance as well as the Strategy and Digital Director, and Chief Information Officer, during which he spearheaded the financial, IT and emerging digital strategy of the business Prior to this, he held senior finance roles at Virgin Media and Thresher Group.

Areas of expertise
Graeme brings a wealth of highly relevant sector and financial experience, along with broader digital and commercial skills, which will be invaluable to Morses Club as the company develops.

Date of Appointment
1 March 2015

Background and Career
Peter is the Co-Founder of RCapital Partners LLP and retired as an active Partner in 2016. In 2001 he co-founded his own corporate advisory business, Three V Corporate Venturing LLP, to provide fundraising and interim management services. He had previously held senior management positions within the UK commercial and banking division of Royal Bank of Scotland Group for 23 years.

Areas of Expertise
Peter has extensive experience of working with management teams across a broad range of business sectors.

Date of Appointment
Appointed NED 1 May 2021, Senior Independent Director on 1 March 2022 and Deputy Chair on 5 November 2022.

Background and Career
Sheryl is a chartered accountant (FCA) and holds an LLM from the Institute of Advanced Legal Studies and an MBA from London Business School. She has held senior executive roles at Barclays, Lloyds Bank, Santander, Coventry Building Society, Nationwide Building Society and Provident Financial Group. Sheryl began her banking career at NatWest Bank in 1996, after 11 years of multi-sector experience with Coopers & Lybrand (now PwC).

Sheryl has been an Independent NonExecutive Director of RCI Bank UK since January 2019, where she is Chair of the Board Audit Committee and Chair of the Nomination and Remuneration Committee.

Sheryl was appointed the Senior Independent Director and Chair of the Risk Committee at Distribution Finance Capital Holdings plc on 16 May 2022.

Areas of Expertise
Sheryl has extensive experience of designing, integrating, and embedding governance, risk and compliance into the culture, commercial strategies and operations at banks, building societies and consumer lending firms

Date of Appointment
05 November 2022

Background and Career
Terry joined the Board as an Independent Non-Executive Director with effect from 5 November 2022, and will be Chair of the Risk & Compliance Committee subject to regulatory approval.

Terry is an experienced, strategic business leader and customer advocate with proven Board & Approved Person/SMF experience in financial services, developed through a 30+ year career in Professional Services, Regulators and Business Process Outsourcing.

From February 2014 to October 2020, Terry was a Board Director, Group Risk & Compliance Director & Data Protection Officer at Target Group Limited. There, he was responsible for setting, monitoring, and refreshing Group risk strategy across all key risk areas including Conduct risk, Credit risk, Operational risk, Corporate Governance & Operational Resilience.

During the previous 8 years to February 2014, Terry had been a Director of the Financial Services Group at Grant Thornton UK LLP.

Areas of Expertise
Terry has significant experience in mortgage and lending sectors, including regulatory supervision and s166 reviews on topics such as product mis-selling, advice processes, risk framework effectiveness, financial crime, corporate governance and business model effectiveness.