Fiinu Plc Directors Biographies 

David is an experienced Board member with over 40 years career in financial services. He is a former banker and regulator with extensive knowledge of financial services and governance.

Prior to Fiinu, David’s experience includes seventeen years at the Bank of England, twenty-two years in Senior Management teams in the UK banking industry and eight years as a Non-Executive Director and External Adviser. As a central banker, David was involved in research, policy, regulation, money and government bond markets, industrial finance and industrial relations, including two years at the Bank of International Settlement in Basel, as Secretariat to the G10 Governors Committee.

At Abbey National / Santander, David was the Deputy Head of Santander Global Banking and Markets UK, and a member of Santander UK senior management team. David was a member of ALCO, Risk and Executive Committees. David was responsible for a Short-Term Markets trading profit centre and for the management of short-term liquidity. After retiring from executive management, David was appointed as iNED for Punjab National Bank International Limited (PNBIL), a retail bank catering specifically to the needs of Indian communities in the UK, where as well as being Senior Independent Director David served as the Chair of Management Committee of Board and Chair of Board Risk Committee.

David was also a member of the Audit and Compliance Committee and Nomination and Remuneration Committee. David is currently also an INED at Masthaven Bank in the UK.

Marko is a successful second-time entrepreneur and the Founder of Fiinu. He is a former elite athlete with a doctorate in artificial intelligence and unbundling banking services. His fintech experience includes over 20 years on Wall Street and in the City of London including ten years with leading banking, treasury, risk and payments companies. He has served as a treasury steering committee member at four DAX-30 companies.

Prior to Fiinu, Marko founded one of the largest overdraft-style lenders in the UK which developed a fully automated software robot that lent and recovered over $1 billion in small increments in the UK without reliance on credit bureau data. His previous business was independently valued at $171 million after five years.

Prior to becoming an entrepreneur, Marko was a sales director at Reval, a Wall Street based hedge accounting and quant risk modelling platform. The company was acquired by Carlyle Group, through a $280 million LBO. Marko was a director at Kyriba, an in-house bank and payment factory SaaS platform which became a unicorn after receiving a $160 million investment from Bridgepoint Capital. Marko was also with Trema for six years, helping large incumbent banks and corporate treasuries to manage their risk through straight-through-process automation. The company was acquired by Warburg Pincus, through a $150 million LBO in 2006 and later by ION Group.

Simon is a Senior Corporate Finance / Capital Markets professional with over 20 years of experience advising and executing a wide range of corporate finance transactions, with roles including Main Market Sponsor, AIM NOMAD and Takeover Code (Rule 3) adviser. An agile and highly commercial PwC trained FCA and Chartered MCSI with a broad range of public and private company corporate finance experience across a range of industry sectors, most notably the IT and natural resource sectors.

At Fiinu, Simon brings his experience in the finance and capital markets sector to Fiinu Group PLC as an iNED, having previously fulfilled the same role with Immedia Group PLC.

Outside of Fiinu, Simon works as the CFO of Conversity Limited, a B2B SaaS provider of Intelligent Guided Selling Solutions. At Conversity, Simon has secured over £1 million in finance to further product and sales development and has deployed payroll and IT infrastructure in support of nascent overseas sales operations. Prior to this role, Simon provided PLC and Lead Advisory services with BDO LLP, an international accountancy and business advisory firm, and several Equity Capital Market brokerages. During this time Simon acted as an AIM NOMAD for over 7 years and a LSE Main Market Sponsor for over 3 years.

Through his various roles, Simon has regularly advised company boards on capital markets and corporate action matters.

Paul brings extensive general management expertise, particularly in treasury and liquidity management, short term markets trading (including securities financing and foreign exchange), and business growth.

Paul was part of the senior management teams at Santander Corporate and Investment Banking (“SCIB”) and Santander UK. He served as a Managing Director, member of the SCIB London Executive Committee and a member of the SCIB European Markets Executive Committee, as well as sitting on the Santander UK Asset and Liability Committee. Externally he represented Santander on the Bank of England Money Markets Liaison Committee, The London Money Market Association, and was the Industry elected Chair of the UK Liquidity Managers Committee under UK Finance.

Sami Kalliola has 20 years of experience in senior management and C-level positions in B2B and B2C, including 15 M&As. He has empirical experience in business development and strategy and proven skills internationally across different industries, such as Fintech, Telecom and EduTech.

Alongside his role at Fiinu, Sami is a part-time Managing Director of Sandermoen AG, a family office in Switzerland. His previous positions include board member at the University of Fredericton in Canada and senior leader at Multitude Group, Swissphone Carrier AG, Visko Teepak Deutschland GmbH, Investis Life Oy & AG, Oy Eniro Finland AB, and Elisa & Saunalahti. He has been the main negotiator and sell-side co-owner of multi-million EUR exit transactions in the Baltics, Finland, and Canada and a Board member in three financially licensed entities (Asia, India, and Africa).

He also has experience in unsecured loan portfolio ownership in the Americas, Africa, Asia and Russia. He studied business economics at Svenska Handelsläroverket in Finland, majoring in foreign trade.

Michael is a seasoned banking Chief Operating Officer with over two decades of experience spanning sales, risk management, operations, and technology across leading global financial institutions.

His early career included roles at Citigroup, Société Générale, and Barclays Capital, where he worked across capital markets in sales and operations. In the latter half, he held senior Financial Markets COO positions at Standard Chartered, where he led global operational teams, supporting corporate and institutional clients.

He also spearheaded initiatives in sales strategy and analytics, digital transformation, and major regulatory and technology change programmes.