The Mortgage Tech Pulse - Beyond One and Done

Steve Carruthers is Growth Director at Fignum, where he leads commercial strategy and market expansion for loan origination and servicing SaaS platforms across mortgages and motor finance lending. Steve is a senior leader in mortgage and lending technology with over 37 years’ experience spanning banking, building societies, and fintech and has held senior roles at Finova and Iress, working closely with lenders to modernise legacy systems, improve speed to market, and unlock more flexible product and distribution strategies. Earlier in his career, he held leadership positions at Aldermore Bank, Newcastle Building Society, Ulster Bank, NatWest and RBS, giving him deep, first-hand insight into the operational and commercial realities faced by lenders. A frequent industry speaker and commentator, Steve is known for his research, views and perspective on digital transformation, growth strategy, and the future of lending technology.

Lisa is Vice President for UKBFSI Sales at Firstsource Solutions. She is a senior financial services leader with a distinguished track record of driving strategic transformation, operational excellence, and cultural change across major UK banking institutions. With extensive experience leading large, multi disciplinary teams and managing complex regulatory, operational and commercial environments, she is recognised for her ability to consistently elevate performance, strengthen risk frameworks, and deliver measurable, sustainable results. She has previously held senior roles at Aldermore Bank, as Head Of Payments and Motor Operations, and The Co-Operative Bank, as Head of Payment Operations and Scheme Management.

Charles has over 25 years financial services experience and joined UK Finance in August 2020. As Director of Mortgages he has overall responsibility for delivering the mortgage policy work of UK Finance.

Prior to joining UK Finance, Charles was Executive Director and Chief Risk Officer at The Nottingham Building Society where he was accountable for designing and implementing the Society’s risk strategy and framework. Charles brings with him a wealth of experience including time as a director in the Regulatory Financial Services Practice at Grant Thornton LLP and 11 years regulation and compliance experience at the FCA. Whilst at the FCA, Charles was Head of Department for the mortgage sector, where he developed the FCA’s approach to the supervision of the UK mortgage market and oversaw the implementation of both the Mortgage Market Review and Mortgage Credit Directive.