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Our team

We transform lives by bringing innovative solutions to our community.

UK Board of Directors

Our board of directors are well respected within the industry and bring a depth of experience and an enhanced
level of governance and leadership.

Andrew Chepul

Co-founder & Chief Executive Officer

Andrew has over 26 years experience in the structured finance and funds management sector, working for 7 years in the trustee industry overseeing the corporate trust division as Executive Manager dealing both in the mortgage industry as well as dealing with major infrastructure projects. In his role as Treasurer at Firstmac over 7 years, he was instrumental in the set up of the Firstmac program managing in excess of $5.6 billion assets under management in the RMBS sector.
Ilias Pavlopoulos

Ilias Pavlopoulos

Co-founder & Chief Operating Officer

Ilias has over 28 years experience in both public and private sectors. Prior to co-founding Columbus Capital he was the Executive Business Strategy & Product Development, Consumer Finance RBS at Commonwealth Bank. Key responsibilities included credit card P&L portfolio management, new product technology and end-to-end processing. Prior to CBA, he held several senior executive management positions in the public sector and in marketing agencies.

Esther Morley

Executive Director and COO, ColCap UK

Esther Morley has 30 years experience in financial services, providing strategic solutions to banks, lenders and other financial institutions and has a breadth of experience across Product Development, Sales, Marketing, Credit Risk, Operations and Post Completions Servicing including Collections. Esther has spearheaded the launch of two residential lending business with Secure Trust Bank in 2018 and more recently LendInvest in 2022. Esther has held Executive and Non-Executive Board Director roles in a number of organisations including Kensington Mortgages, LendInvest Loans Ltd. and Beverley Building Society.
Nick Phillips

Nick Phillips

Non Executive Director

With an MBA, BSc, and GAICD, Nick brings nearly 30 years of strategy, transformation, and development expertise across financial services, healthcare, hospitality, retail, and entertainment in Australia, Asia, and the UK. His career includes senior roles at Accenture, MBF, Jupiters, and David Jones, with transaction highlights like the Pacific Legend IPO, MPFs proposed IPO, and Jupiter's Tabcorp acquisition. Nick now serves as a Director, Advisor, and Board member guiding mid-cap organisations and startups across APAC.

Nigel Batley

Non Executive Director

Nigel spent over 33 years at HSBC, beginning on their graduate program after earning his Pharmacy degree and working briefly for Boots. Rising to Global Head of Structured Finance, he built out a $45Bn structured financing business and led 70+ staffers across all HSBC regions and risk functions. Nigel held senior EMEA and global leadership roles, chaired key oversight committees, and was an executive member of the Global Banking committee. Since 2021, he has leveraged his expertise running a thriving structured finance consultancy.

UK Executive Management Team

Our executive team leads with integrity, challenging norms and spearheading a culture of curiosity, innovation and respect across the company.

Esther Morley

Executive Director and COO, ColCap UK

Esther spearheaded two UK residential lending launches with Secure Trust Bank and LendInvest and has 30 years of strategic financial services expertise across product development, sales, marketing, risk, operations and servicing. She has held key Executive and Non-Executive Board roles with Kensington Mortgages, LendInvest Loans Ltd. and Beverley Building Society.

Paolo Tanca


Paolo brings over 20 years of banking and finance expertise to his Director role at ColCap. He previously served for 12 years as Westpac’s Director of Structured Finance in Sydney, overseeing domestic and international client portfolios. Paolo also held past risk and treasury roles at RCI Bank in Paris and Rome.

Molo Executive Management Team

Leading by example, our executive leadership team act with integrity and respect. They bring our vision to life, encouraging people to remain curious and innovative.

Matt Kimber

Chief Executive Officer, Molo

Bringing over 20 years of experience across various asset classes in the UK, Matt has held key mortgage leadership roles including heading up lending at Castle Trust, supporting Lloyds Bank's MMR implementation, serving as COO of Landmark Mortgages and, most recently, leading CHL Mortgages back into active lending in 2021 as Managing Director.

Mark Michaelides

Chief Commercial Officer, Molo

With over 10 years of experience spanning investment banking, equity markets and tech-focused strategy roles, Mark leverages multifaceted expertise in operations, automation, pricing, funding, and product development as part of Molo Finance's leadership team. He holds a BA from Oxford and an MBA from Bayes Business School.

Natalia Roshchupko

Chief Technology Officer, Molo

Natalia has over 20 years of experience leading high-growth technology teams across finance, media and entertainment. She spearheaded the Web & Mobile department at WorldRemit, transforming money transfer services in emerging markets, and now drives innovation as Molo Finance's CTO. Her background also includes roles with BBC Worldwide and Glint Pay.
Neil Jones

Neil Jones

Finance Director, Molo

Neil is a chartered accountant with over 17 years experience working in accounting and finance, including over 11 years in the UK mortgage servicing and lending industry. Prior to joining Molo he was head of finance at Pepper, overseeing the accounting team and the payment collections team, during a period where the asset under management grew by £15bn. Prior to Pepper, he had over 5 years experience at PWC and BDO performing audits and advising on system process controls.

Julie Eastty

Head of Compliance & MLRO, Molo

With over 30 years of hands-on regulatory experience, Julie is a commercially-savvy compliance professional focused on customers and company growth. Her vision and creativity have successfully captured profitable markets and advanced strategic priorities at TSB, Co-Operative Bank, Diligenta, Investec and Target Group.

She leverages her extensive expertise across lending, investments and broader financial services to ensure regulatory compliance and drive business success. Julie’s career evolution from retail banking manager to specialised compliance roles exemplifies her commercially-attuned and achievement-oriented approach.


Head of People

Sharon has over 10 years experience in recruitment, HR and building organisational change through progressive people practices globally for the likes of Deloitte Digital and start-ups, scale-ups like Deliveroo and DesignIt.

Her approach is influenced by her psychology and her creative background in rethinking HR and people strategy.

In the media

View our business updates and
market news

May 2, 2024 in News

Molo and ColCap UK complete £300 million securitisation

View press release Thursday, 2nd May 2024: Molo Tech Limited (Molo) and ColCap Financial UK Limited (ColCap UK) have successfully completed their first securitisation, ‘Molossus BTL 2024-1’. The securitisation totals…
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March 9, 2023 in News

ColCap acquires a majority shareholding in UK digital mortgage lender Molo

View press release Further to the strategic partnership announced last year, ColCap has invested into Molo and acquired an 80% shareholding. This marks the first significant step towards international expansion…
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