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.

Stuart Grimshaw profile image


BComm, MBA

Chief Executive Officer and Managing Director

Appointed 30 June 2022

Stuart Grimshaw joined the Board in June 2022, following a 35-year career in financial services. He is the Chairman of Millennium Services Group Ltd (ASX: MIL) and 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.

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.

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 International Limited (ASX:CCV) and Raiz Investment Limited (ASX:RZI).

Executive Leadership

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 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.

Andrew Murrell profile image


CEO Consumer 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 Consumer AU

Robert joined hummgroup in 2016 and has held many roles including Group Executive – Commercial, before moving to Group Executive – Consumer AU in 2023.

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.

Brendan White

Brendan White

Group Executive – Commercial

Brendan is an experienced business executive 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.
Channelle Jacob

Channelle Jacob

Chief People Officer

Channelle is an experienced HR executive who has built an exceptional international career through her work at UBS and JP Morgan in Asia and the United States. She has also held leadership roles at CITI and AMP.

With breadth of experience across HR, learning and development, and organisational design, Channelle is passionate about driving a strong people agenda that supports business plans, establishes positive cultural behaviours and nurtures talent.

Angelo Demasi

Angelo Demasi

Group Executive Digital and Transformation

Angelo is a strategic global executive leader with experience delivering transformative digital growth outcomes across complex, customer-centric organisations in Australia, Asia, North America and Latin America. He joins humm from Canstar where he was the Chief Product and Technology Officer responsible for innovation, product management and development, customer design, IT architecture and delivery as well as cyber security.

Prior to joining Canstar, he worked as Chief Transformation and Digital Ventures Officer at EZCORP Inc, a US listed company, where he was responsible for strategy, transformation initiatives, and the creation of a new digital venture company leveraging the customer base of EZCORP.

Angelo has also served as a Partner and Managing Director with BCG Digital Ventures, the corporate innovation and business-building arm of Boston Consulting Group.

In his role at humm, Angelo will focus on the customer experience and evolve the way customers interact with our products.

Carl Broadbridge

Carl Broadbridge

Chief Operating Officer

A strategic technology and operations executive, Carl has extensive experience within large, complex settings including retail, telecommunications and financial organisations.

Carl delivers robust strategic plans and drives change to optimise operational performance. Most recently GM Strategy and Execution at ANZ, Carl was integral in improving the NZ technology function and workforce capability. He was also involved in career building and planning initiatives that supported the development of talent pipelines.

At humm he is responsible for positioning the business for the future by optimising technology systems, business operational practices and external partner relationships to drive more efficient and scalable customer-focused outcomes.

Country Heads

PJ Pyrne

PJ Byrne

Chief Executive Officer at hummgroup UK & Ireland

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 humm began with shaping the company’s expansion strategy across the UK and Ireland markets. Under his leadership, humm 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.

Tim Moulton

Tim Moulton

Canadian Country Head

Tim Moulton has more than 20 years’ experience growing businesses in Canada across a broad range of sectors such as financial services, travel, loyalty, emerging payments & Point of Sale finance.

Tim has worked as an in-house executive consultant for fintech Brim Financial as the CCO. He also represented RBC and RBC Ventures, Canada’s largest bank, to lead strategic partnerships and business development where he acquired numerous merchant partners including Apple, Indigo, Saks 5th Avenue and Walmart.

Tim has been instrumental in bringing a full digital solution to merchants that continue to drive strong growth at humm Canada.