Adam set up Shawbrook International Limited in 2016 and then in 2019 Reto was created from a buyout of the Shawbrook business . Prior to this, Adam spent 7 years building and managing a specialist lending business for an established Bank, after working for 10 years as a Management Consultant  where he worked across all areas of Financial Services.

Adam is an experienced business leader with a strong focus on specialist lending in the Consumer and SME space. He holds an MA in Leadership from Exeter University, where he also mentors first year undergraduates.

A resident in Jersey, Adam juggles work with a busy family life and trying to keep fit!

Derek has dedicated his entire career to the lending industry, with over 20 years of experience as the Managing Director of Black Horse Offshore Limited. His extensive expertise spans all aspects of commercial and consumer finance across Jersey, Guernsey, and the Isle of Man. Derek has also served on the Lloyds Islands Senior Executive Committee and the Black Horse UK Motor Senior Operating Committee. Additionally, he is an Associate of the Chartered Institute of Bankers. We are confident that Derek’s wealth of knowledge and experience will be invaluable to our team.

Robbie joined the business in 2017 after having had 15 years of experience in the Banking and Finance sector. Robbie has worked across a range of Financial Services businesses but primarily within the Real Estate sector where he has worked with customers to acquire, develop and refinance both residential and commercial property.

At Reto Finance, Robbie headed up our Business Development team until the close of 2022 prior to moving to his new role as Commercial Director. While focusing on building the business brand, supporting and growing existing & new relationships outside of lending, he will continue to apply his expertise to real estate opportunities under the group. Robbie enjoys working with customers to tailor solutions to their individual needs and has the ability to be flexible in his approach and think outside of the box.

Away from the office, Robbie enjoys spending time with his young family, watching sport and when he gets the chance to, playing golf.

Aaron joined Reto Finance in February 2021, bringing 13 years of experience in the Banking and Finance sector. Aaron has worked in various roles within the sector, with over a decade of that being in a commercial environment. Aaron is adept at providing a flexible range of lending solutions to a varied profile of clients and has a particular enthusiasm for dealing with local SME’s.

As our Head of Business Development, he works closely at building long lasting relationships with both existing and new clients, including local SME’s, those in the real estate sector and individual consumers. Outside of work, Aaron enjoys spending time in the gym or playing sports & considers himself a connoisseur in films.

Tom joined Reto Finance as a Business Development Manager in October 2024, bringing with him five years of versatile sales experience, including two in financial services. In his role, he focuses on building and nurturing a wide-ranging introducer and client network in Guernsey, with a keen emphasis on SME, Real Estate, and Asset finance opportunities.

Before Reto Finance, Tom led the Origination team at RAW Capital Partners, where he quickly set two new lending records in his first six months. He’s also highly skilled in CRM optimisation and streamlining organisational processes to enhance productivity.

Beyond work, Tom is passionate about staying active. He enjoys playing golf and follows a variety of sports, including football, Formula 1, and golf.

Robert has worked in the Finance industry in Jersey for 30 years, in roles including Commercial Lending, Mortgage Risk, Personal lending, International Recoveries and Portfolio Risk Management reporting across Jersey, Guernsey, Isle of Man and UK.  His approach to aligning Credit Policy and Product features to customers’ requirements will be key in how we best serve our customers at Reto over the near future.  Bringing Robert to the Reto team strengthens our Credit abilities and aids us in our ambitions for growth across the product range.

Kerri joined Reto Finance in August 2023, bringing with her over 15 years of experience, beginning her career in operations before moving into the finance department.

Kerri qualified as an accountant in 2018 and has experience across a number of areas including financial accounting, regulatory reporting and audit, with her main focus predominately being in performance management and profitability. As Head of Finance, Kerri manages the finance function and provides the relevant support to the business as it continues to grow and evolve.

Outside of work, Kerri has a keen interest in styling and make-up artistry, having previously completely courses in both. Her weekends are mainly now spent enjoying time with her young family although she does enjoy a Pilates class when she has the time!

Jerlyn joined Reto Finance in May 2024, bringing with her over 10 years’ experience in internal finance.

Jerlyn is a qualified bookkeeper and a part-qualified accountant, working towards completing her final ACCA professional papers. Jerlyn has assisted in all areas of an internal finance function, including production of financial statements / management accounts, audit, month-end journals, and billing.

Outside of work, Jerlyn enjoys spending time with her family and hobbies, such as travel, exercising and going for walks with her family dog.

Kay became a valued member of our team in January 2019, bringing her expertise to our company, formerly known as Shawbrook International. Working closely with the Sales Support team, Kay heads collections pan island, ensuring that every deal aligns seamlessly with Reto Finance policies and procedures.  She focuses her attention on the complete customer journey, underscoring the importance of a seamless process.

Kay enjoys working as part of a committed team and finds excitement in contributing to the growth of our business which offers more choices to people and business owners who value the service provided.

For Kay, the mantra “First impressions count” is not just a saying—it’s a way of life. She is deeply passionate about transforming the credit journey into a truly enjoyable experience for all clients, whether they are consumers or SMEs. Her ultimate goal is to set our company apart from the competition, ensuring that our employers stand out by making a positive impact from the very beginning.

Michelle brings over 25+ years of extensive experience in the finance industry, specializing in Trust and Company administration, management reporting, and operational roles. Her background in compliance consultancy has provided her with valuable insights into corporate regulations, anti-money laundering, and terrorist financing. Michelle excels in conducting client due diligence and risk assessments, collaborating with colleagues to ensure compliance with regulatory standards. As a member of the ICA and holding certifications in Anti-Money Laundering and SAR Investigations, she demonstrates a strong commitment to upholding industry best practices. Michelle’s recent completion of a course on leveraging AI tools for research and writing has sparked her interest in exploring how AI can enhance compliance practices. She is excited to join Reto Finance, where she can expand her knowledge in the credit and lending industry while aligning her expertise seamlessly with the role of Head of Compliance. Alongside her professional pursuits, Michelle enjoys hobbies such as walking, art, travel, and wine making.  

Claire joined Reto Finance in April 2022, with over a decade of experience in the finance industry up to that point. Having worked in various roles within the sector, Claire has developed a strong network of clientele through understanding a client’s needs and delivering efficient results.

A confident and positive individual with an adaptable approach, Claire has helped a number of individuals and businesses on the island take their next steps. Outside of work, Claire enjoys watching rugby (especially the Dragons) and attending live music events.

Emily joined the business in 2023, leveraging her extensive 20-year experience in the Pensions and Retail sector.  With her diverse background, she brings a wealth of Customer Service expertise spanning multiple industries.  With Emily’s positive attitude and adaptability, we are confident she will prove to be invaluable asset in the role she will be playing.

Away from the office, Emily enjoys spending time with her young family and indulging in her hobbies of Genealogy, reading and gardening.

Stephanie joined the business in 2024, having finished her A Levels in the same year.  She joined the business as a Sales Support Administrator but with a keen desire to progress into business development, where her people skills, attention to detail & confidence will tailor nicely for growth into that area.

Outside of the office, Stephanie can be found at sea or on exotic lakes, where she professionally competes in Hobie sailing, to a very high standard! She also enjoys chemistry & socialising, although not hand in hand!