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Our Team

Meet the folks behind FOLK2FOLK.

Leadership Team

Roy Warren

Roy Warren
RoyWarren@FOLK2FOLK.com
01566 788362
linkedin

I've had a varied career, being a banker to the aristocracy and A-list Hollywood film stars. Over the last 20 years, I have focused on Risk and Portfolio Management, being responsible for global asset management, including landmark real estate projects, rail networks, aviation and marine portfolios. I have a personal interest in property renovation, with a particular interest in sustainable property development. I love spending time with my grandchildren… a great joy of my life.

Gary Leitch

Gary Leitch
GaryLeitch@FOLK2FOLK.com
01566 706969
linkedin

I’ve been involved in the financial services industry since I headed south from Glasgow at the beginning of 1988 with the intentions of returning a couple of years later.

Having then married and settled with a family down south, I found myself, over three decades later, and having accumulated experiences in the retail, SME, corporate and leveraged finance markets (across sales, risk management and operational functions) with an opportunity to support Folk2Folk’s mission to put the humanity back into finance and create prosperity for Britain’s regions.

Finance should be a people business and that’s why I’m so excited to be working for Folk2Folk.

In my spare time, I’m devoted to family so that usually involves either acting as chief washer up or taxi driver, dependent upon who is seeking my services.

Claire Richards

Claire Richards
ClaireRichards@FOLK2FOLK.com
01566 818535
linkedin

Following 16 years in a blue chip financial services business, I am very pleased to join FOLK2FOLK to work within a smaller customer centric team. In my free time I travel as much as possible.

Veryan Skinner

Veryan Skinner
VeryanSkinner@FOLK2FOLK.com
01566 788 349
linkedin

Having worked in marketing and communications for global and multinational businesses in London, Singapore and Sydney for 20 years, I returned home to the countryside of Devon and Cornwall and began working with small and micro businesses; I have always admired the amazing energy and determination of the entrepreneurs that run them. I'm proud to work for FOLK2FOLK, a company that fills a vital gap in helping local and rural businesses flourish. Outside of work you'll find me running around after our two boys either on the moor, in the surf or on the rugby pitch!

Customer Services

Becky Kelly

Becky Kelly
BeckyKelly@FOLK2FOLK.com
01566 788 358
linkedin

I have 10 years’ experience in financial and customer services and joined FOLK2FOLK as the ISA Manager. I've recently been promoted to Head of Customer Services and it’s great to be able to use the skills and knowledge I’ve built over the years. Outside of work I enjoy anything outdoors, walking my dogs, surfing and camping.

Gill Alford

Gill Alford
GillAlford@FOLK2FOLK.com
01566 788 366
linkedin

I have worked in the Financial Services Industry for over 30 years and at FOLK2FOLK for 3 years. My role within FOLK2FOLK is the manager of the Loan Matching team. I contact lenders when a loan becomes available to give the details of the opportunity to ascertain if the client would like to lend. I enjoy speaking with clients on a daily basis and maintain a close relationship with them. On a personal level, I enjoy cooking, gardening and walking – one of my favourite places being the Isles of Scilly.

Andy Marsh

Andy Marsh
AndyMarsh@FOLK2FOLK.com
linkedin

I have worked in finance throughout my working life covering Sales, Underwriting, Customer Services, Project Analyst and Collections. I have recently joined FOLK2FOLK as Business Administration Officer where I hope to add to my skills and knowledge. My spare time usually involves dog walks and watching all kinds of sport.

Business Development

Andy Ruth

Andy Ruth
AndyRuth@FOLK2FOLK.com
01566 788353
linkedin

After nearly 35 years in banking. I am delighted to be part of a company actively supporting small Businesses. I have worked in banking for over 30 years, working my way up through the grades . I have worked in a frontline lending role across most Industry sectors for 20 years working within SME and Corporate sectors in both Business Development and Relationship Management roles. I have experience of Wholesale funding, Asset Finance, Revolving Finance, Term loans and working capital requirements. Outside of work, I enjoy walking the dog and all water sports, just enjoying all the Cornish coastline has to offer.

Lynn Pett

Lynn Pett
LynnPett@folk2folk.com
01566 788 375
linkedin

Having worked for Barclays for nearly 30 years, joining a small company has been a real tonic. I started at F2F in 2014 and have worked with in all customer facing teams in that time.

I am now a Relationship Manager working with brokers and borrowers to help businesses access finance. I will never tire of having a conversation with a client and taking their case forward, then seeing they have funds in a few weeks. I really enjoy building relationships with brokers and working with them to help their clients.

Outside of work I love spending time with our Sprocker and cycling in our beautiful Devon countryside.

Tawanda Mbauya

Tawanda Mbauya
TawandaMbauya@folk2folk.com
07749416905
linkedin

I like to think I bring energy, new ideas, knowledge and skill which I have gained from a good foundation from NatWest and Assetz Capital along with professional qualifications which I have gained in my professional career so far most notably CEMAP. I enjoy and have a passion of all things property lending.

A lot of things attracted me to F2F. But what stands out is being part of a business with a purpose. “Putting humanity back into finance” was one of the key things for me as often with the rapid changes in technology. Businesses are forgetting its all about people at the end of the day and having a business that balances technology and people is really important for me while providing the best service for our borrowers and investors.

Becky Garrard - on maternity leave

Becky Garrard - on maternity leave
Becky.Garrard@FOLK2FOLK.com
01566 788492
linkedin

I joined FOLK2FOLK in 2019 as a Securities Officer, after returning from maternity leave with my first baby my role evolved and I am now a Senior Business Development Officer. My role is primarily a ‘bridge’ between the Relationship Managers and Securities Team.

Outside of work I love spending time with my husband, daughter and two German Shepherds making memories and exploring. We have an allotment and love growing our own vegetables. I’m also growing my own ‘Sprout’ which will be joining our family later this year!

Credit

Fraser Clark

Fraser Clark
FraserClark@folk2folk.com
07743 927829
linkedin

I worked for Lloyds Bank for over 25 years in various Retail, Private Banking and Corporate relationship roles and then worked for another P2P for 5 years. I was keen to join another P2P who actively support SMEs and this is something FOLK2FOLK have achieved by facilitating access to over £650m of finance for lots of small British businesses over the last 10 years.

Outside of work, I am lucky to be based in the beautiful city of Edinburgh with my wife and our two dogs. My two sons live in East Lothian along with my grandson and like many Scots I am a keen golfer and skier. My wife and I love walking our dogs along the East Lothian coastline at weekends or enjoying some of the sights and attractions Edinburgh has to offer.

Tracy Smith

Tracy Smith
TracySmith@FOLK2FOLK.com
01566 706 959
linkedin

I have worked for RCI Banque for 20 years, under the Renault and Nissan brands. In various roles covering retail and fleeting underwriting and then in Network Dealer Funding with my own portfolio of car dealers and fleet businesses.

I took a bit of a career break when we moved down to Cornwall 5 years ago but had the opportunity to work again with RCI within the 1st year of COVID. I realised how much I had missed working in finance, so when I was offered this new role of Credit Officer I gladly took the chance. I look forward to developing this role and facing whatever new opportunities lie ahead.

In my spare time, I love spending quality time with my husband and two boys.

Portfolio & Credit

Joanna Chan

Joanna Chan
JoannaChan@FOLK2FOLK.com
01566 788498
linkedin

After starting my career in an investment bank, I relocated to the stunning Cornwall and joined FOLK2FOLK as a credit analyst, covering strategy, loan book analysis and institutional marketing. I am delighted to be part of a company that champions the rural economy. I am a keen foodie and an avid supporter of British farming, so naturally, in my spare time I love discovering all the local produce the area offers.

Bill King

Bill King
BillKing@FOLK2FOLK.com
07484 544978
linkedin

I have worked in Finance for over 40 years with the majority of that time spent in big ticket asset finance e.g. Planes, Trains & Automobiles. After a short career break I was delighted to join Roy Warren’s Team in FOLK2FOLK to put my experience to good use within a organisation dedicated to supporting local businesses and communities. Outside of work you will find me either on the golf course, tennis court or in the gym.

Rachel McCarthy

Rachel McCarthy
RachelMcCarthy@FOLK2FOLK.com
07849 089362
linkedin

I have worked in finance for 15 years with the majority of that time being spent in a Risk and Portfolio Management role. I have managed portfolios across a number of sectors, but have primarily focused on film finance, property and rail assets. Joining FOLK2FOLK provides an opportunity to work within the Peer to Peer lending market. Outside of work I am kept busy by my two young sons.

Nichola Smith

Nichola Smith
NicholaSmith@folk2folk.com
01566 788 673
linkedin

Before starting at Folk2Folk I worked for a banking group for 14 years in both Commercial and Asset Finance divisions in Portfolio Management roles.

I was keen to join Folk2Folk to work for a company that helps local businesses that wouldn’t ordinarily get the help they require from mainstream lenders. Outside of work I love to bake and have two young daughters that keep my husband and I very busy.

Joanne O’ Neill

Joanne O’ Neill
JoONeill@folk2folk.com
01566 788 355
linkedin

I have had a long career in commercial banking working for both Lloyds and Halifax and I now able to transfer my skills to be part of Folk2Folk. I enjoy speaking to our clients and the best part of my job is helping our customers to grow their businesses. I live by myself with my two dogs and have two children and 2 grandchildren who my absolute world.

Naomi Thomas

Naomi Thomas
NaomiThomas@FOLK2FOLK.com
01566 771839
linkedin

Having taken time out to raise my two daughters, I joined FOLK2FOLK five years ago as a Loans Administrator. My role was created to support the Borrowing team, however it quickly evolved, and I now sit within the Portfolio Team as a Portfolio Coordinator.

I live with my husband and our two daughters just over the border in Devon. Our family time is spent exploring Cornwall (particularly the beautiful beaches), cooking, seeing friends and making memories.

Securities

Laura Alford

Laura Alford
LauraAlford@FOLK2FOLK.com
01566 788 363
linkedin

I have worked at FOLK2FOLK since inception, initially in the lending team, then moving to the borrower team and finally, the securities team, working closely with our solicitors to get loan completed smoothly and efficiently. I have previous experience in administration and finance.

Outside of work, I enjoy spending time with my partner and our young daughter and dog, Herbie. We spend much of our time outside in the countryside, or at the beach in our home county, Cornwall!

John Webber

John Webber
JohnWebber@FOLK2FOLK.com
01566 788497
linkedin

I worked for Lloyds for 38 years, the last 24 years as a Manager within Commercial/Agricultural Banking. I am delighted to have joined FOLK2FOLK and look forward to helping more clients achieve their goals.

Jane Rogan

Jane Rogan
JaneRogan@FOLK2FOLK.com
01566 771837
linkedin

I have had a long career in Commercial Banking previously working for both Lloyds and Nat West and I am now delighted to be able to use the skills obtained within Folk2Folk and be part of their continued success. I particularly enjoy the personal approach that is offered, and the best part of my job is being able to help businesses grow and prosper.

I now work on a part-time basis and that is allowing me to enjoy a great work-life balance in that I have an interesting and varied job and can also indulge in spending more time with family and enjoying my hobbies of golf, walking and socialising with friends.

Margaret (Maggs) Kelly

Margaret (Maggs) Kelly
MargaretKelly@FOLK2FOLK.com
linkedin

After 20 years in Banking, I am delighted to be joining a company who truly believe in supporting local and regional businesses grow. I really enjoy interacting with our borrowers and investors on a personal basis, which I know they appreciate. I work part-time, and in my spare time enjoy gardening, (well helping my hubby with the gardening!) walking our dogs and having lots of fun with my three gorgeous grandchildren.

Marketing and Communications

Veryan Skinner

Veryan Skinner
VeryanSkinner@FOLK2FOLK.com
01566 788 349
linkedin

Having worked in marketing and communications for global and multinational businesses in London, Singapore and Sydney for 20 years, I returned home to the countryside of Devon and Cornwall and began working with small and micro businesses; I have always admired the amazing energy and determination of the entrepreneurs that run them. I'm proud to work for FOLK2FOLK, a company that fills a vital gap in helping local and rural businesses flourish. Outside of work you'll find me running around after our two boys either on the moor, in the surf or on the rugby pitch!

Finance

Matt Evans

Matt Evans
MattEvans@FOLK2FOLK.com
01566 788 351
linkedin

After 22 years in Financial Services in London, I moved to Cornwall in 2014 for a seachange and joined FOLK2FOLK in 2015. I’m proud to work for a small local company that has now expanded nationally and delivers an invaluable service for the local community. Outside of work I enjoy walking along the beach with my son at home in Padstow.

Lynda Statton

Lynda Statton
LyndaStatton@FOLK2FOLK.com
01566 788 370
linkedin

I have a background in Financial Services and joined FOLK2FOLK in 2016 as a Client Relationship Officer before moving to the Finance department in 2019, where I have progressed to because the Management Accountant. In my spare time I enjoy rugby, as a spectator only, walking my dogs along our beautiful Cornish coast paths, travelling and spending time with family and friends.

Jane Ledward

Jane Ledward
JaneLedward@FOLK2FOLK.com
01566 788 367
linkedin

After relocating from Berkshire to Devon with my partner, 2 horses and a boxer dog I joined a local firm of solicitors before joining FOLK2FOLK and the finance team.

Donna Hillier

Donna Hillier
DonnaHillier@Folk2Folk.com
01566 706891
linkedin

Originally from Bristol, I moved to Cornwall in 2004, and spent the next 18 years working in the finance department of a brewery. In need of a change I joined Folk2Folk in early 2023. I enjoy working for a company that supports and creates opportunities for businesses far and wide.

Outside of work you’ll probably find me reading, going for a walk, spending time with my husband and daughter, going to the cinema, or trying to find my way out of an escape room.

Compliance

Nicola Holmes

Nicola Holmes
NicolaHolmes@FOLK2FOLK.com
01566 771832
linkedin

I have worked in the financial services payments sector for most of my career, originally in Sales and Business Development and then moving into compliance consulting several years ago. I re-located to Devon from Buckinghamshire and was delighted to accept this role with FOLK2FOLK. It’s great to see how rural businesses, local SMEs and individuals are all being supported. Outside of work I enjoy walking on Dartmoor with various family members who come and visit us, growing my own fruit and veg at home and regular trips to Sandy Park to support the Chiefs.

Jodie Brister

Jodie Brister
JodieBrister@FOLK2FOLK.com
01566 788 379
linkedin

I moved to the Devon Cornwall boarder in 2018 to take up what was then a new role for the business. Years later the role has really developed and I feel so lucky to be a part of it.
I support our Head of Compliance on regulatory requirements and monitor that procedures are being followed to ensure we remain compliant within FCA rules. I couldn’t feel more lucky to be able work here using the experience I have gained in big Banks in London and Bournemouth whilst enjoying the beauty that this area has to offer. It really is the best of both worlds.

I now work part time to benefit from some extra time with my two beautiful children and my husband.

IT

Falak Waheed

Falak Waheed
FalakWaheed@FOLK2FOLK.com
01566 788672
linkedin

Business Support

Tillie Pullen - on maternity leave

Tillie Pullen - on maternity leave
TilliePullen@FOLK2FOLK.com
01566 788 354
linkedin

I support projects within the business which means my days and weeks are very varied! I work on anything from product launches to improving the ways we do everyday tasks. At home I have 2 cats and 2 dogs and enjoy songwriting, singing with my band and an array of creative hobbies.

Amelia Bailey

Amelia Bailey
AmeliaBailey@folk2folk.com
linkedin

Having worked in finance systems change for over 10 years, I’ve gained extensive experience in project management, analysis and quality assurance.

I’m excited to help shape our company as it further supports local people and businesses and I’m looking forward to using my skills to help make our customer experience even better!

With three children I don’t get much spare time, but when I do I love to spend it walking my dogs, horse riding and baking.

Henri Street

Henri Street
HenriStreet@FOLK2FOLK.com
linkedin

After graduating from University in Sheffield, I moved back to the countryside and joined FOLK2FOLK. It’s great to be starting my career at a company with shared values. In my spare time I enjoy cooking, sewing and going on walks with my Patterdale!

Stephanie Skinner

Stephanie Skinner
StephanieSkinner@folk2folk.com
linkedin

I graduated a degree in Computing shortly before I started my journey at FOLK2FOLK, and I’ve loved beginning my career in Cornwall. With a role that varies day after day and a beautiful drive into work, there’s no need to feel anything short of content. I LOVE animals and have spent my whole life with a variety of pets – from fluffy to feathered to scaled; I also love to crochet and sea fish.

Arda Tok

Arda Tok
ArdaTok@FOLK2FOLK.com
01566788348
linkedin

Having spent most of our lives living and working in London my partner and I made the decision to move down to Cornwall and within the month we were down here and ready to start our new lives. I have a legal background in Patents and Trademarks so joining FOLK2FOLK is a completely fresh and exciting start for me. I joined FOLK2FOLK in a temporary role within the lending team which very quickly became permanent. I like to spend my free time doing all sorts of crafty and creative projects and exploring Cornwall with my partner and our little Pomeranian.

HR

Fiona MacInnes

Fiona MacInnes
FionaMacInnes@FOLK2FOLK.com
01566 788 350
linkedin

I have enjoyed a varied career in H.R.  I love being part of growing an innovative business like FOLK2FOLK and helping to develop a skilled and flexible team. Out of work my passions are keeping fit, spending time with my family and friends and spoiling my pug!

Our Board

Roy Warren

Roy Warren
roywarren@folk2folk.com
01566 788362

I've had a varied career, being a banker to the aristocracy and A-list Hollywood film stars. Over the last 20 years, I have focused on Risk and Portfolio Management, being responsible for global asset management, including landmark real estate projects, rail networks, aviation and marine portfolios. I have a personal interest in property renovation, with a particular interest in sustainable property development. I love spending time with my grandchildren… a great joy of my life.

Tim Sawyer CBE

Tim Sawyer CBE

Tim has over 30 years experience in financial services – beginning his career with Lloyds and then Abbey National. Having founded and run Cahoot bank at the start of the internet era, Tim moved on to running a network of banks for the Sampoerna conglomerate of Indonesia.

Tim spent several years as COO for KRBS and was recently Chairman of Banque Dubois in Switzerland. Currently Tim is also CEO of Start Up Loans, a private sector initiative backed by Government with mandate of delivering £350m funding to start up companies so that they can create 50k new jobs.

Tim was awarded a CBE in the Queen's Birthday Honors List in 2016.

Louis Mathers

Louis Mathers

As a Non-Executive Director and one of FOLK2FOLK’s co-founders, I’m proud to be part of the great team we have here at FOLK2FOLK. My background is as a property lawyer and I have extensive experience in property finance. Outside of FOLK2FOLK I sit on the Board of the Local Enterprise Partnership for Cornwall and the Isles of Scilly as a Non-Executive Director and enjoy rowing and getting active in Cornwall with my two young children.

Alex Daly

Alex Daly

Alex is a Chief Financial Officer with an extensive range of both accounting, risk and business experience, gained through working at retail and challenger banks, FinTechs and alternative consumer lenders. He brings to the FOLK2FOLK board a wealth of experienced gleaned from working within a diverse range of businesses from Private Equity funded through to Listed and the Public Sector.

Megan McCracken

Megan McCracken

Megan is a strategy and transformation executive with over 20 years of experience across global businesses, including HSBC and Citigroup. She is also an independent director with a portfolio of financial services and digital boards from FTSE 250 to smaller, high growth businesses. Megan brings a proven ability to guide boards at the intersection of organisational, operational, digital and regulatory change.

Graham Dingle

Graham Dingle

Graham brings fifty years of small business experience along with specialist knowledge of farming and agricultural businesses, a key sector for FOLK2FOLK. In partnership with his two brothers, Graham runs his family’s arable farm in Cornwall and Dingle Brothers Systems Limited, an engineering business specialising in computer systems for agricultural businesses.

Justin Abbott Chalew

Justin Abbott Chalew

Justin is a technology leader with experience across both start-ups, scale-ups and large corporates. He has worked as Chief Technology Officer at several technology businesses and held digital transformation and programme management roles in both the United States and the UK. In addition to IT governance and financial management, he has domain experience in FinTech and in delivering secure and scalable platforms.

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