Head Office

Charity Bank’s head office is located in Tonbridge, Kent, and we have bases in Leeds for our Charity Bank in the North team (although this will shortly be moving to York), Cardiff and Northern Ireland, as well as an office in London.

There are also a number of Regional Managers acros the UK, some of whom lead small teams of self employed consultants, whose role it is to develop relationships with local organisations and work with those thinking about taking up a loan.

In addition to their work at Charity Bank, we encourage our employees to undertake work at the ‘coal face’, by giving everyone time off to volunteer or get involved with a charity, as a trustee or in another capacity, so that they can experience for themselves the kind of issues that our borrowers face on a daily basis.

Executive Team

Malcolm Hayday - Chief Executive

Malcolm has more than 30 years experience in business finance. He graduated from Exeter University in 1972 with a BA Hons in Economics. From 1987 he concentrated on finance for small and medium sized businesses. He was previously the Director of Community Finance and the Investors in Society at CAF. He is currently in his second term (1996-2002) (2004-) as a Board Member of INAISE. He is a Fellow of the Royal Society for the Arts. He has written a number of papers on the social economy and social investment.

Caroline Mason – Chief Operating Officer

Caroline co-founded Investing for Good, a Community Interest Company dedicated to increasing the flow of investment capital from the mainstream financial services sector into investments to engender social and environmental benefit. With an eighteen-year track record of creative and innovative product development across a diverse range of businesses in the financial services sector, she is a Board Member of the Social Enterprise Coalition, on the Global Impact Investment Network (GIIN) council and is a School Governor.

Geoff Burnand – Chief Investment Officer

Geoff joined Charity Bank in May 2010 after five years as the CEO and co – founder of Investing for Good a specialist provider of impact investment services to private banks, asset managers and foundations. These services included the development of a structured analytical framework that extended the traditional investment approach used in portfolio management from binary risk/return metrics to a three dimensional assessment that incorporated the positive social and environmental impact an investment can make. Prior to this he enjoyed over twenty years’ experience in private and institutional investment management working with a wide variety of clients.

Support to Executive Function

Brian Knott - Chief of Staff

Brian is responsible for a wide range of duties that lead to the health of the entire organisation. He has a retail banking background in Human Resources, marketing and public affairs and has been with Charity Bank since its launch. He is involved with a local charity working to improve the health and well-being of people of all ages in his local community and is also involved with organisations offering free, independent, confidential debt advice seeking to reduce poverty and deliver more cost effective financial inclusion services to the people that need them.

Kat Klehr - Executive Assistant

Kat joined Charity Bank in November 2007 and since then has been working as the Chief Executive’s assistant and deputising for the joint Company Secretary. Kat’s background is in law and human rights and previously she has worked as a lawyer researcher at a Hungarian NGO advancing the rights of people with learning and psycho-social disabilities. Kat is passionate about social integration and currently explores the field of access to finance. She is also involved in the Pro Bono Centre at the BPP College of Law in London where she provides interpretation for the clients.

Finance

Suri Ramanathan - Financial Controller

Suri has been Financial Controller at Charity Bank since 2004. He is a chartered accountant with eighteen years’ experience in the not-for-profit sector. Outside of work, he is treasurer of the Tamil Heritage Foundation, a charity engaged in the transfer of old manuscripts to the electronic medium to facilitate increased usage.

Gill Matthews - Assistant Management Accountant

Credit Management

Chris Evans - Head of Credit

Chris has recently joined Charity Bank after a career in corporate banking and risk management mainly in the City of London. He is keen to bring his commercial lending experience to the charity sector, and to assist the development of Charity Bank’s increasing support for many highly worthwhile causes.

Nora Bali - Credit Manger

Nora supports the Head of Credit Control in managing risks associated with loan applications and is passionate about microfinance. She is a member of the Microfinance Club UK and has spent 4 weeks in Kenya assisting micro entrepreneurs at grassroots levels to improve their micro businesses. She also supports an orphanage in Kibera Slum in Nairobi, raising funds and sending them much needed resources.

Yaa Kudom - Credit Manager

Yaa has a background in retail and wholesale banking. In her current role she provides support to the Credit Controller to manage the review, investigation and minimising of credit risks. She enjoys the diversity that each new application brings and in her spare time she volunteers her time at her local church crèche.

Steve Miles - Credit Manager

Steve has enjoyed a long career in banking, in most recent years with Charity Bank. He is committed to helping improve people’s lives. Steve is a lifelong supporter of Margate Football Club.

Debbie Harmsworth - Loans Administrator

Debbie joined Charity Bank after 23 years with a high street bank. A move to Kent prompted her decision to move outside of mainstream banking and she has not looked back on that decision, enjoying the satisfaction which comes from knowing the work she is doing is helping other people. In her spare time Debbie enjoys sailing and skiing.

Vacant – Assistant Loans Administrator

Bob Dyke – Desk Officer

Bob is a former career banker and part of the original team responsible for the launch of Charity Bank. He is still passionate about the sector and uses his extensive experience to help support newer members of the In House Team. Bob is heavily involved in his local community and jointly looks after the award winning gardens of the local Parish Church.

Relationship Management

Susie Nouhan – Head of Investments and Private Banking

Susie is using her experience in the City and on Wall Street to bring individual investors and investment managers into the Charity Bank fold. She turned from poacher to gamekeeper because she is excited about the whole social investment approach and believes it has the clear potential to help address some of today’s more intractable social problems. She enjoys mountain walking and recently walked for three days up in the Alps with a broken wrist, apparently because the scenery was too good to miss.

Mark Howland - Head of Marketing

Mark is Charity Bank’s head of marketing, responsible for the development and delivery of the Marketing and PR strategy. He is passionate about helping Charity Bank achieve its strap line of being a different bank for people who want a different world. He has a BA Honours Degree and a Chartered Postgraduate Diploma both in Marketing. His experience includes 3 months in Kenya providing PR and Marketing consultancy to the National Council for Persons with Disabilities.

Jenny Hawkins - Marketing Assistant