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


Founding Director, Non-Independent,

Appointment: Director, 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 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


Independent, Non-Executive

 Appointed 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 directors of Cash Converters International Limited and a director on Suncorp Ltd.

In addition to his board roles, Stuart has extensive senior leadership experience, having been Chief Executive Officer and Board Member of EZCORP, a Nasdaq listed company which he joined in November 2014 as Executive Chairman; and Managing Director and Chief Executive Officer 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.

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. Here she had P&L ownership of the bank’s retail business and led the product and customer experience teams and was voted #12 in the top 50 CMOs in Australia. Prior to joining ME, Rebecca was a partner at customer experience consultancy Lavender, including seven years as Managing Director. Lavender is the largest independent consultancy of its kind serving many of Australia and New Zealand’s blue chip companies – Westpac, Coles, Medibank Private.

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 and the National Leader for KPMG’s Financial Services practice, working with Banks, FinTech, Wealth, Insurance and PE firms.
He was also responsible for KPMG’s CFO Advisory practice and worked across the US and Asia on treasury engagements.
Tim Lord profile image


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 Operations Officer

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.

Natalie Nicholson profile image


Chief People and Corporate Affairs Officer

Natalie joined hummgroup in May 2019 in the role of Chief People & Culture Officer. With 20+ years of international, regional and local expertise in HR and strategic commercial roles, Natalie was previously on the Executive teams at Challenger, CBA and ING.

In 2017, she joined the Department of Prime Minister and Cabinet on a six-month secondment through Chief Executive Women and CBA. Natalie was on the Sydney council for United Way. In 2021, Natalie was awarded the HR Director of the Year Excellence award by HRD Australia and named HR Director of the Year NZ. In 2022, she was included in HRD’s top 40 Hot List of HR practitioners across Australia.

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 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.
Most recently, Vaughan was a principal for Comprehensive Credit Decisions, a consultancy specialising in credit and technology and prior to that was a product consultant for ANZi, the corporate venture capital arm of ANZ, where he lead the product strategy, direction and build for a new venture they were incubating.
He is a specialist in applying technology, analytics and innovation within corporate environments.
Christina Seppelt profile image


Group General Counsel and Group Head of Operational Risk & Compliance, 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.

Isobel Rogerson profile image


Company Secretary

Isobel joined hummgroup in November 2018, following nine years at ME Bank, where she was Company Secretary and General Counsel.
Prior to ME, Isobel worked in various roles at UBS Australia, and in the National Australia Bank Wealth Management division.
Isobel worked in a private legal practice for several years before moving into financial services, obtaining her GAICD and FGIA.