Solutions
Fix the thing that's actually broken.
Fractional and interim leadership across fintech, marketing and customer journeys — for firms who need it solved, not studied.
Talk to usWhat we help with
Applications dropping off? Redesign the journey, move the numbers.
Scorecards and automated decisioning that approve the right people.
Bank data, turned into faster, fairer lending decisions.
Products built to pass scrutiny the first time.
From early-stage to exit-ready, fast.
Technical and operational diligence that tells you the truth.
Embedded leadership, not a report on your desk.
How we work
Wink Money is built on 20+ years of consumer finance relationships. When a project needs more hands, we bring in the right specialists and partners from that network — and stay accountable for the result.
Case studies
| Client | Role | Headline result | What happened |
|---|---|---|---|
| George Banco | IT Director, 2014–17 | Scaled to a £53m exit | Rebuilt the entire tech estate, scaled to 4,000+ applications a day, raised £2.5m in funding, sat on risk/credit/steering committees. |
| Everyday Loans | Head of Customer Journey & Development, 2017–19 | £100m+ loan book (doubled) | Led the post-acquisition integration of George Banco end-to-end; built the LEO CRM, saving £1.5m+. |
| Caerus Capital (Buddy Loans) | CTO, 2023–24 | Modernised credit & lending ops | Improved decisioning flows, lender routing logic and compliance alignment across a regulated consumer lending brand. |
| Valifi | CTO, 2024–present | Platform now processing 1m+ credit profiles | Took an FCA-regulated credit reference agency from MVP to enterprise-grade — architecture, delivery, supplier management, regulatory alignment. |
| Advancis | CTO, 2020–21 | 40% lower drop-off, delinquency down 20%, £3m raised | Appointed turnaround lead. 30-day review → roadmap → execution. Delivered automated decisioning, open banking affordability and cloud migration. |
Rebuilt the entire tech estate, scaled to 4,000+ applications a day, raised £2.5m in funding, sat on risk/credit/steering committees.
Led the post-acquisition integration of George Banco end-to-end; built the LEO CRM, saving £1.5m+.
Improved decisioning flows, lender routing logic and compliance alignment across a regulated consumer lending brand.
Took an FCA-regulated credit reference agency from MVP to enterprise-grade — architecture, delivery, supplier management, regulatory alignment.
Appointed turnaround lead. 30-day review → roadmap → execution. Delivered automated decisioning, open banking affordability and cloud migration.
What clients say
James is the person you want in the room when a decision needs both strategy and delivery. I've worked with him across four businesses now — he consistently finds the fix everyone else missed, and he actually ships it.
Former MD, Barclaycard
I've backed James across six businesses because he's the rare operator who understands the whole business, not just his own corner of it. Whatever the problem, he finds an angle nobody else does.
CEO · Entrepreneur · Investor