Meet the team
Our team brings a wealth of experience and expertise across a wide range of disciplines, united by a common goal: to generate impactful ideas that shape a better future.
James Daley
Managing Director
James Daley has been a consumer campaigner and financial journalist for over 25 years. Before launching Fairer Finance in 2014, he worked for the consumer group, Which?, where he campaigned for a better deal for customers of banks and insurers in the wake of the financial crisis.
James is frequently interviewed on national television and radio, and has regularly appeared on shows such as Watchdog, Rip-off Britain, Dispatches and Moneybox.
Before working at Which?, James spent 10 years as a business and finance newspaper journalist, latterly as the The Independent's personal finance editor and cycling columnist.
James is a member of UK Finance's Consumer Advisory Group, and the Association of British Insurers' Consumer Advisory Group. He is also a member of the Chartered Insurance Institute's professional standards committee.
He lives with his wife and two children in Tooting, where he's also Chair of Governors at Smallwood Primary School.
Tim Hogg
Director
Tim Hogg is a behavioural economist with over 10 years experience of advising on the design and implementation of regulation. Tim specialises in assessing the implications arising from business models, product design, pricing, and customer communications.
Tim has advised firms across financial services on the fair value of their products, including: general & life insurance; investments & pensions; current & savings accounts; mortgages; and consumer credit. He focusses on quantifying consumer outcomes and providing the consumer perspective. Tim has led economic studies for trade bodies and regulators across Europe.
He is an experienced trainer on behavioural science, and designs behavioural experiments and surveys. Tim won the International Institute of Communications 2018 Future Leaders Competition and has testified to the European Commission in a competition law context.
Tim spends as much of his time as he can playing football, badminton, and frisbee.
Peter Roper
Head of Research
Pete is the Head of Research at Fairer Finance. He joined the company in 2019 and is an expert in banking and insurance. He leads the 13 strong research team in London and Delhi and is part of the Fairer Finance leadership team. Pete graduated with a BSc in International Relations from the London School of Economics and has an MSc in Sustainable Food and Natural Resources from the Centre for Alternative Technology.
Pete is passionate about climbing, MMA and reading.
Eve McGrady
Consultancy Manager
Eve is a Consultancy Manager at Fairer Finance. Her specialism in language and linguistics informs her work advising clients on embedding the Consumer Duty. Eve draws on her knowledge of regulation to support firms across banking and insurance.
Eve has managed numerous projects assessing firms’ fair value and consumer understanding strategies, using behavioural science to highlight areas of potential risk to consumers. She regularly delivers training to clients on preparing for the Consumer Duty, Financial Promotions, and behavioural science.
Before joining in 2021, she graduated from the University of Bristol with a BA in French and Russian. During her degree, she worked in a tech start-up in Paris, and spent six months studying in Tomsk, Siberia. When she’s not working you can find Eve trying out new recipes in her kitchen or at QPR games with her partner.
Richard Robinson
Head of Consumer Understanding
Rich is the Head of Consumer Understanding at Fairer Finance, and has been with the company since 2016. In this time, he has used his skill as a writer to help transform the customer communications of a large number of leading banks, insurers and asset managers.
Providers seek out Rich's advice because of his ability to make the complex simple, and his deep knowledge of the technical regulations around disclosure. Rich has directed numerous projects which have transformed Ts&Cs, policy documents, and short-form communications including letters and emails.
Rich has a background in the behavioural sciences and graduated from Brunel University with an MSc in Evolutionary Psychology. Rich is passionate about music, football, and food. His heroes are John Lennon and Thierry Henry.
Anjali Ladwa
Senior Consultant
Anjali is a Senior Consultant at Fairer Finance. With a background in linguistics and language, she advises firms on how to deliver excellent customer outcomes. Anjali assesses the extent to which organisations have embedded the Consumer Duty, and uses her specialism to advise on achieving customer understanding.
Anjali has led the rewrites of dozens of customer communications across financial services markets. This includes contractual documents, such as Ts&Cs and policy documents, as well as brochures, letters, and emails. Anjali has also managed numerous projects analysing the clarity of online and offline customer communications and assessing them against the FCA’s expectations. She has delivered training to some of the UK’s best-known financial services brands.
Before joining in 2021, Anjali graduated from the University of York with a BA in English Language and Linguistics. During her degree, she tutored primary school children in English. Anjali spends her free time reading, going for long walks, and listening to true-crime podcasts.
Yasmin Robson
Consultant
Yasmin is a Consultant at Fairer Finance. Using her skills in language, regulation, and behavioural insights, she advises firms on embedding the Consumer Duty.
Yasmin has reviewed and rewritten customer communications sent by banks, building societies, and insurance companies. She has also supported firms in designing compliant financial promotions, and has assessed online customer journeys through a consumer understanding lens.
Yasmin graduated from Durham University in 2020 with a degree in English Literature. She worked in administration before joining Fairer Finance in 2023. Outside of work, she enjoys reading and running.
Angbeen Abbas
Consultant
Angbeen (pronounced ung-bean) is a Consultant at Fairer Finance. With experience in marketing and an academic background in research, she supports firms in meeting the FCA's standards for clearer communications and implementing the Consumer Duty.
She’s worked with insurers and banks across the sector to improve customer communications, including Ts&Cs, policy documents, letters, and online customer journeys. She’s also supported Consumer Duty assessments across the four outcomes.
Angbeen graduated with a degree in Sociology from the London School of Economics in 2022. Before joining Fairer Finance, she interned at the Department for International Trade. Outside of work, she likes writing, going to the movies, and learning to crochet.
Sophie Hill
Consultant
Sophie Hill is a Consultant at Fairer Finance. She advises providers on how to navigate the changing regulatory landscape, specialising in compliance, consumer protection, and fair value.
Her experience includes writing clear and simple communications and documents, running training sessions, and providing firms with Consumer Duty focussed analysis. Sophie has supported banks, building societies, and insurers across sectors, ranging from credit cards and current accounts to specialist insurances.
Sophie helps develop Fairer Finance’s policy work, researching and campaigning on topics including cryptocurrency, the poverty premium, insurance pricing, and funeral plans.
Sophie read English Literature at the University of Cambridge, and went on to work in policy and political research and the charity sector before she joined Fairer Finance in 2022. During her degree, she ran a politics discussion group. Outside work, she enjoys theatre, climbing, reading, and long walks.
Phil Moynihan
Consultant
Phil is a Consultant with Fairer Finance. He has a background in academia, having studied social and developmental psychology at Royal Holloway and LSE.
He has experience working within psychological research, investigating a wide range of topics including decision making, social media, and mental health.
In his spare time Phil is a keen sportsman playing touch rugby, football, and squash. He is a huge musical theatre fan and avid reader of fantasy novels.
Harry Ashton
Senior Researcher
Harry is a senior researcher at Fairer Finance. As part of the research team, he is responsible for keeping the product ratings up to date, primarily focusing on our ratings for investment platforms. Harry graduated with a BA in Accounting & Finance from Middlesex University before joining Fairer Finance.
Harry is a keen traveller having been to over 40 countries and climbed Mount Kilimanjaro in 2017. He one day hopes to complete the seven summits.
Robert Sheargold
Senior Researcher
Rob is a senior researcher at Fairer Finance. Rob graduated with a MA in Cultural Geography from Royal Holloway and has worked in market research, administration, and most recently as a supporter care advisor for Diabetes UK.
Rob enjoys reading, playing tennis, and film.
Joshua Cleaver
Researcher
Joshua is a researcher at Fairer Finance. He graduated from the University of Nottingham with a BA in History and studied for his MA in Law with the University of Law. Prior to joining Fairer Finance he worked in client services, operations and with The Challenge charity.
Joshua is passionate about rugby, music and baking. He also enjoys long hikes and reading medieval literature.
Billy Jackson
Senior Account Manager
Billy joined Fairer Finance in September 2022 as a member of our account management team. He has managed business to business relationships across multiple sectors as well as business development.
Billy is the deputy coach and content creator for a local men's weight loss league, and plays drums in a South Wales based band.
Aaron McAully
Senior Account Manager
Aaron is a Senior Account Manager at Fairer Finance and joined in February 2024.
He helps to develop, cultivate and grow commercial connections and relationships.
Aaron has spent the majority of his career within the insurance industry. Prior to joining Fairer Finance, he spent 10 years as a senior account manager at Defaqto, having started his career at Aviva.
He is a keen football fan, loves cooking, and enjoys spending quality time with his family and friends.
Ruth Gilbert
Head of Fairer Finance Scotland
Ruth is the Head of Fairer Finance Scotland, which launched in September 2017.
She is an experienced consultant who has advised major firms in the insurance and technology sectors on product design and communications. She has designed life and health insurance products, helping companies adapt to their customers needs.
Writing the terms and conditions in financial services has featured at many points in Ruth’s career. From the early days, she believed helping the reader to understand is even more important than crossing the legal t's and dotting the compliance i's. Her law degree allowed her to take more conservative colleagues some way on this journey. There’s no surprise then that she has joined Fairer Finance’s team to do more of this for financial services companies in Scotland and beyond.
Nikita Dutta
Delhi Team Lead
Nikita works as a Team Lead for Fairer Finance's team in Delhi. Coming from a financial background, she graduated in Economics Honours from Delhi University, after which she pursued a course in Stock Market Trading. Her prior work associations have been with ABN AMRO (US) and Mercer (Australia) as a Business Analyst.
Nikita enjoys music, gardening and social work in her spare time.
Siwani Gupta
Business Analyst
Siwani is a Business Analyst in Fairer Finance's Delhi team. She is an MBA with a specialisation in Finance and Marketing. Before that she graduated in Finance from Banaras Hindu University and is also a Law degree holder. She has worked as an Analyst at the Ministry of Defense and some other corporate offices. Her hobbies include travelling, reading and writing.
Manjula Grandhi
Business Analyst
Manjula is working as Business Analyst in Fairer Finance's Delhi team. Before working for Fairer Finance, she completed her MBA in Finance and was associated with the banking sector in India. Apart from work, you can find her baking some cookies for her home baking business - One Last Dessert.
Swati Bhatt
Business Analyst
Swati is a Researcher/Business Analyst in Fairer Finance's Delhi team. She has a postgraduate degree in Economics and a BA in Business Economics from Delhi University. In her prior experience, she worked as a political and market researcher across several organisations in the research sector. She loves to travel and is a fitness freak. In her free time, she likes to learn about new things.
Archita Dash
Business Analyst
Archita works as a Business Analyst in Fairer Finance's Delhi team. She is a postgraduate with specialisation in financial markets and has seven years of experience in banking, financial services, consulting, and teaching. She has been a university level Assistant Professor of Finance and pursues her passion for teaching as a freelance finance tutor.
Susmita Sanyal
Business Analyst
Susmita is a business analyst in Fairer Finance's Delhi team. She has an MA in Financial Economics from Birla Global University. Her previous research examined financial inclusion and the gig economy, as well as financial constrainst on various sectors of the Indian economy. In her spare time, she enjoys helping street dogs, singing, reading novels, and listening to detective podcasts.