Leadership
Board of Directors
ANDREW ABERCROMBIE
LLB, BEc, MBA
Chair, Non-Independent, Non-Executive
Appointed November 2006
Andrew Abercrombie was a founding director of the original FlexiRent business in 1991 and was the CEO until 2003. Andrew has been a non-executive director since November 2006.
Andrew is an experienced commercial and tax lawyer and was a founding partner in a legal firm operating in both Sydney and Melbourne. Andrew left law to complete an MBA at IMD in Switzerland. Following time abroad he returned to Australia and became involved in property investment and tax consulting. Andrew supports several philanthropic causes and is involved with policy think-tanks and other private interests.
TERESA (TERRY) FLEMING
BA, AITI
Independent, Non-Executive
Appointed 30 June 2022
Terry Fleming has chaired the Group’s Irish business since 2016 where she has overseen its growth and success in the Irish market and the expansion of hummgroup into the UK.
Since 2005 she has acted as a non-executive director for a number of international and Irish companies across a range of industries including pharmaceuticals, infrastructure, medical research and e-commerce. She has extensive experience as a non-executive director with deep knowledge of corporate governance and regulatory environments. She has also served on an Irish State Board. Terry’s background is in corporate tax consultancy with PWC Ireland.
ROBERT HINES
B.Fin.Admin, Grad.Dip.Adv.Acc, Grad.Dip.App.Fin, FAICD, SF Fin, FCPA, FCA
Independent, Non-Executive
Appointed 29 September 2022
Robert Hines joined the Board in September 2022 with over 35 years’ experience in banking, finance and funds management services, agriculture and energy sectors and senior executive roles in finance, retail and operations. He has held executive positions of Chief Financial Officer and Chief Operating Officer at some of Australia’s leading companies including Queensland Sugar Limited, Queensland Investment Corporation, Bank of Queensland Limited and Suncorp Group Limited.
Robert is a non-executive director of Cash Converters International Limited (ASX: CCV) (since April 2020) and Mackay Sugar Limited (since August 2022). Robert was a non-executive director of Raiz Investment Limited (ASX: RZI) (November 2023 to November 2024).
ANDREW DARBYSHIRE (AM)
Independent, Non-Executive
Appointed 21 October 2024
Mr Darbyshire has over 35 years’ proven experience in digital transformation and point-of-sale software development as well as over 10 years’ experience in electronic engineering. He was CEO and founder of Pacsoft Pty Ltd which provided unique inventory control for complex retail environments. Throughout his tenure as CEO of Pacsoft Mr Darbyshire was instrumental in the development of Pacsoft for Windows and the release of the first iOS app for retail hardware stores whereby Pacsoft became the world leader in retail technology for large timber and hardware stores. Following the sale of Pacsoft Mr Darbyshire founded TranscendXL Pty Ltd which invented TXL script, to enable rapid application development.
In the 2012 Australia Day honours, Mr Darbyshire was made a member of the Order of Australia (AM) for service to the community as a supporter of research into child-related brain conditions, through contributions to special needs children and their families, and to the arts.
Mr Darbyshire’s Board appointments include Zoos Victoria Foundation, The Song Room, Child Abuse Prevention Research Australia at Monash University (Chair), Caitlin’s Retreat (founder), Petstock Foundation and Authentic Entertainment Limited.
Executive Leadership
ANGELO DEMASI
Chief Executive Officer
Angelo joined hummgroup in January 2024 and has led the Company as Chief Executive Officer since May 2025.
Angelo is an energetic and experienced leader, having successfully led complex business units, built and launched new businesses, and executed large transformation programs across Australia, Asia and North America.
Prior to joining hummgroup, Angelo was Chief Product and Technology Officer at Canstar, Chief Transformation and Ventures Officer at EZCORP Inc. a US listed company and served as Partner and Managing Director with BCG Digital Ventures, the corporate innovation and business-building arm of Boston Consulting Group. He has also served on public and private boards as an advisor and non-executive director.
ADRIAN FISK
BEC, MEC, ACA
Chief Financial Officer
Adrian joined hummgroup in July 2021.
Prior to joining hummgroup Adrian was CFO and Head of Partnerships at Willow, a data technology business and a partner at KPMG for 17 years where he worked with financial institutions and was the National Leader for KPMG’s Financial Services practice, working with banks, fintech, wealth, insurance and PE firms.
He has served in Board roles including with 86 400 an Australian neo bank and is a non-executive director of Spriggy, an educational family money app.
Neo Bank.
TIM LORD
Group Chief Risk Officer
Tim has an extensive background in credit and collections having spent 20 years with Dun & Bradstreet (D&B) where he held a number of leadership roles, including President Australia/New Zealand.
After finishing with D&B in 2014, Tim formed Anteris Consulting, a specialist agency with a primary focus on credit risk. During his time consulting, Tim undertook numerous assignments for publicly listed companies and government agencies. He joined hummgroup in July 2018.
As GCRO, Tim is responsible for the identification, assessment, and mitigation of risks across the Group.
BRENDAN WHITE
Group Executive – Commercial
Brendan is an experienced business executive having worked across a number of institutions including Commonwealth Bank, Bank of Queensland and British Petroleum successfully leading multiple client facing business and product segments. He has developed a strong reputation for leading business and cultural transformation by building high-performing teams and businesses through a strong focus on people, culture, leadership, and the customer experience.
JACQUI HOURIGAN
Group Executive – Consumer New Zealand
Jacqui has been integral in building the NZ Consumer Business into the leading non-bank issuer of credit cards in New Zealand by successfully leveraging customer insights, data segmentation, creative development, media strategy, product design, creative sales strategies and campaign performance metrics to deliver an exceptional end-to-end customer experience.
An award-winning marketer with 30 years’ experience, Jacqui is known for her ability to build strong brands that acquire, engage and retain customers; drive revenue and exponential growth of both B2C & B2B in the financial services sector; and deliver year-on-year growth in line with business strategies.
EMMA SKONDRAS
Group Executive – Consumer Australia
Emma Skondras is responsible for leading the growth and strategy of the consumer finance portfolio across Australia. With deep expertise in financial services and consumer lending, Emma has a proven track record for building high-performing teams, delivering customer-centric innovation, and driving sustainable business performance.
Emma has held several senior leadership positions at hummgroup where she has been instrumental in leading transformation initiatives, enhancing customer experience, and scaling sales operations. With a clear focus on operational excellence, regulatory strength, and creating value for customers and shareholders alike Emma is committed to delivering innovative consumer finance solutions that align with evolving customer needs and position hummgroup as a leader in the dynamic Australian market.
Emma has a strong reputation for her collaborative leadership style, strategic mindset, and passion for great customer outcomes.
DEAN FILETTI
Group Executive – Digital & Transformation
Dean joined hummgroup in November 2025 as Group Executive – Digital & Transformation, accountable for the Group’s digital, data, technology, and transformation agenda.
With more than 25 years of experience, Dean is recognised for delivering large-scale, technology-enabled transformation and driving disciplined execution with sustained commercial outcomes.
Before joining hummgroup, Dean was General Manager at Lendi Group, where he played a key role in the merger of the Aussie and Lendi businesses, integrating their platforms, operations, and customer and digital channels under a singe operating model and technology platform.
Earlier in his career, Dean held senior leadership roles at Westpac, where he was responsible for driving digital business performance and transaction across multiple brands serving more than five million customers. He began his career at KPMG, Canon, and EDS.
Dean holds a Bachelor of Education (Mathematics) with Distinction from Australian Catholic University and has completed executive programs at AGSM @ UNSW Business School and the Australian Institute of Company Directors.
OLIVIA MEO-GROSER
LLB/BA, GAICD
Group General Counsel
With over 20 years of legal, risk, and operational experience in global financial markets, Olivia has a proven track record for driving complex change and embedding strong governance in fast-moving environments.
Olivia started her legal career at a leading law practice in New Zealand, before joining global credit rating agency Standard & Poor’s (S&P) in London and Hong Kong.
She first joined hummgroup from 2019 to 2023 as General Counsel for New Zealand and Head of Operational Risk & Compliance. Following that she was Chief Risk Officer and then Chief Operating Officer at Avanti Finance from 2023 to 2025 before rejoining hummgroup in August 2025.
MARTINE FORRESTER
LLB, GAICD
Executive Counsel and Interim Chief People Officer
Martine joined hummgroup in April 2025 as Interim General Counsel and in August 2025 moved into her role as Executive Counsel & Interim Chief People Officer.
Martine is an accomplished and highly credentialed executive with significant international expertise in legal, governance and risk advisory, strategy, M&A, operations, risk management, compliance and assurance.
Having held roles as General Counsel, Chief Risk Officer and Company Secretary in global and Australian financial services institutions, as well as senior roles in private practice legal firms, Martine is experienced as a strategic and tactical decision maker and adviser in highly regulated environments, both as an executive and as a functional leader.
Martine holds qualifications in law from both Australia and the United Kingdom, as well as being a graduate of the Australian Institute of Company Directors.
PJ BYRNE
QFA, IOD
CEO of International Markets (Ireland, UK & Canada)
With a distinguished career spanning over two decades in the financial sector, PJ has established himself as a visionary leader known for his strategic acumen and commitment to driving growth.
PJ’s journey with hummgoup began with shaping the company’s expansion strategy across the UK and Ireland markets. Under his leadership, hummgoup has experienced exponential growth, cementing its position as a trusted partner for consumers seeking flexible payment solutions.
Prior to his role as CEO, PJ held several key leadership positions within the financial services sector. He is a staunch advocate for driving positive change within the financial industry and is actively involved in philanthropic initiatives aimed at supporting local communities and promoting financial literacy.
Educated at Waterford Institute of Technology, UCD and the Law Society of Ireland, PJ holds qualifications in engineering, financial advisory and law.
Company Secretary
CARLIE BANGS
LLB (Hons), BSc, MA, Grad.Dip.Corp.Gov
Company Secretary and Senior Legal Counsel
Carlie joined hummgroup in May 2025.
Carlie is a corporate lawyer and experienced governance professional. Carlie has previously acted as Company Secretary for multiple ASX-listed companies, bringing a strong background in corporate compliance, board advisory and governance matters.
