Board of Directors

The primary role of the Board is to promote the long-term health and success of humm group. Our Board members have extensive experience in finance, business consulting and governance.
humm group - HS Andrew Abercrombie01



Chair, Founding Director, Non-Independent, Non-Executive

Appointed November 2006

Andrew Abercrombie became 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 the 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 is currently involved in several philanthropic and think-tank ventures, together with private interests.

Terry Fleming profile image



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 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.

Stuart Grimshaw profile image


BComm, MBA

Independent, Non-Executive

Appointed 30 June 2022

Stuart Grimshaw joined the Board in June 2022, following a 35-year career in financial services. He is a director at Raiz Invest Limited, and, since March 2021, has been Chairman of Millennium Services Group Ltd (ASX: MIL), which he joined in November 2020. He has also served as non-executive chairman of the board of Cash Converters International Limited (ASX: CCV) (until August 2020) and as a director on Suncorp Ltd.

In addition to his board roles, Stuart has extensive senior leadership experience, having been CEO and Board Member of EZCORP, a Nasdaq listed company he joined in November 2014 as Executive Chairman; and Managing Director and CEO of Bank of Queensland Limited (ASX: BOQ). Stuart has also held a wide variety of senior executive roles at various financial services entities including Caledonia Investments Pty Ltd, Commonwealth Bank of Australia, National Australia Bank and the ANZ Bank.

Anthony Thomson


Independent, Non-Executive

Appointed 29 September 2022

Anthony Thomson joined the Board in September 2022. He has a deep and extensive background in financial services in both Australia and the United Kingdom, most notably as Co-Founder and Chairman of neo bank 86 400. In 2008 he founded and chaired Metro Bank, the first new High Street Bank in the UK for over 150 years, stepping down from this role in 2012. Following this, he founded and chaired Europe’s first mobile-only bank, Atom Bank PLC.

Anthony is an independent non-executive director of Wio, a digital bank based in the UAE, and an advisory board member of Bank ABC, operating in Bahrain and Jordan. He is the former Chairman of Zip Co’s UK business.

humm group - robhines


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.

Executive Leadership

Rebecca James profile image


Group Chief Executive Officer

Rebecca joined hummgroup in October 2018 as CEO, from her role as Chief Marketing and Enterprise Officer for Prospa. Prior to that Rebecca was Chief Marketing Officer for ME Bank where she led the product and customer experience teams and was voted #12 in the top 50 CMOs in Australia.

Prior to joining ME, Rebecca had a successful career at customer experience agency Lavender, including seven years as Managing Director.

Adrian Fisk profile image


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.

Prior to Willow, Adrian was 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 86400 an Australian
Neo Bank.

Tim Lord profile image


Group Chief Credit 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.

Andrew Murrell profile image


Chief Sales and Marketing Officer & Country Manager (NZ)

Andrew has more than 20 years’ experience in financial services and government sectors in Australia and New Zealand including digital, brand and communications roles at Bank of Queensland, Commonwealth Bank and within the New Zealand Government.

With significant experience in leading strategic projects – particularly those focused on customer experience and digital innovation – Andrew joined hummgroup in 2019 and is
responsible for Operations Services across Australia, New Zealand and the Philippines.

Christina Seppelt profile image



Chief Legal & Commercial Officer, Company Secretary

Christina joined the Humm Executive Team in March 2022 as Group General Counsel and Group Head of Operational Risk & Compliance. Christina was appointed as Company Secretary in May 2022.

Christina has extensive experience in financial services and other highly regulated industries, having worked in managed investment schemes, regulated capital raising, retail banking and secured credit facilities during her career. She has also successfully built strong and productive working relationships with regulators and public agencies including ASX, ASIC and APRA.

Christina joined Humm from 86 400 Group, Australia’s newest retail bank, where she was part of the Executive Leadership Team and responsible for the legal, HR and company secretarial functions. Christina’s background also includes senior leadership roles at ASX listed financial services companies and a leading commercial law practice.

Rob Wright profile image


Group Executive Commercial Australia & New Zealand

Robert has been with hummgroup since 2016 in a number of roles, and has led the Commercial business since 2019.

With a career that spans the international banking sector, Robert held senior management roles at St George Banking Group, National Australia Bank, Commonwealth Bank of Australia and Westpac prior to joining hummgroup. He is a fellow of the Australian Institute of Banking and Finance, Australian Institute of Management and Institute of Public Accountants.

Vaughan Dixon profile image

Vaughan Dixon

Chief Information Officer

Vaughan joined hummgroup in February 2021 as Chief Information Officer, bringing over 25 years’ industry experience with credit risk, decisioning, technology and credit bureaus.

Prior to joining hummgroup, Vaughan spent over a decade at Dun & Bradstreet and the rebranded Illion business in a number of leadership roles including Chief Technology Officer. He was also one of the founders that successfully launched the Decision Intellect fintech and guided that business from its infancy through high growth into a profitable provider of credit technology processing millions of mission critical credit decisions annually.

Vaughan was a principal for Comprehensive Credit Decisions, a consultancy specialising in credit and technology. Prior to that he was a product consultant for ANZi, the corporate venture capital arm of ANZ, where he led the product strategy, direction and build for a new venture they were incubating.