Buy Now, Pay Later Symposium

Shail Deep joined TransUnion in 2019 as Chief Product Officer. With over 20 years’ experience across retail banking and technology consulting, Shail’s role involves fuelling new product innovation, ensuring robust product quality and delivery, sourcing and incorporating new data assets and delivering valuable analytics insights and solutions.

Previously Shail spent 16 years at HSBC, where she was Global Head of Strategic Partnerships and Innovation for HSBC Retail Banking and Wealth Management. Shail has held various leadership roles across cards, payments, risk, fraud, loyalty and proposition development spanning the UK, US, Hong Kong and Malaysia. Prior to HSBC, she worked with Citigroup (India) and i2 technologies (US).

Shail holds a Bachelor of Engineering from the Indian Institute of Technology, Delhi and an MBA from the Indian Institute of Management, Ahmedabad.

Ruth Spratt is the UK Country Manager of Zip and is leading the launch of the global Buy Now, Pay Later (BNPL) company in the UK. She has a proven track record at Board and Director level across a range of industry sectors and is a people first leader, passionate about building diverse, high performing teams.

Zip, an Australian company, was founded in 2013 and has over 9.9 million customers across the globe. With a presence in fourteen markets, Zip offers a fairer way to pay for customers and partners with merchants to help facilitate growth.

Ruth has over 25 years’ experience in senior leadership across media, travel, automotive and environmental services. Prior to Zip, Ruth has held a number of Board-level and senior leadership positions including as a Managing Director within Guardian Media Group and European Commercial Director for EasyJet. She has also held a number of industry Board positions, including the Institute of Travel Management and Newspaper Society, firmly believing that industry collaboration always benefits the end customer.

Ruth has also led a number of diversity groups across her career, including Guardian Media Group Women in media, steering EasyJet’s Women’s Network and is the UK DEI Champion at Zip. She is passionate about improving diversity in FinTech, challenging its conventional image and inspiring the next generation of talent.

Originally from Oldham and still based in her home town Ruth is proud of her working class roots she has an MBA from the University of Salford, and studied ‘Leading Organisational Change and Renewal’ in the Harvard Business School Executive Education Programme.
Ruth has been a School Governor for twelve years and believes that continuous improvement in the education system will keep the UK competitive globally.

Ryan has spent over 15 years in payments. He worked for over a decade at Amex across sales, partnerships and finally managing the MENA region as a JV with SAIB.

More recently he has moved into high growth environments building and leading the enterprise sales team at Paymentsense and being Director of Growth for Openpay in the BNPL space.

He is now UK lead for Biller – aiming to transform the way B2B payments are made for the better.

Steve joined TransUnion in 2015 and is currently director of fintech in the UK, covering key sectors encompassing digital banks, payments, lending and automotive, with oversight for all TransUnion’s capabilities across these markets. Stephen has over 20 years’ experience spanning financial services, software and fraud and has previously worked for global brands including BAE Systems, Morgan Stanley and MBNA.

Alex co-founded Laybuy around the kitchen table with his parents in 2016. Built on the simple idea of allowing shoppers to spread their payments across six weeks, interest-free, Laybuy aims to make life easier for both consumers and merchants.

In the last six years, Alex has played an key role in growing Laybuy into one of New Zealand’s leading Buy Now, Pay Later (BNPL) providers, as well as supporting the successful launch of the company into Australia and the United Kingdom, where it is now one of that country’s top three providers.

Alex has played a crucial role in UK operations, where he lead Laybuy’s commercial efforts and onboarded the company’s first enterprise company. He also oversaw the development of Laybuy’s innovative Virtual Card, which launched last year as part the company’s App Exclusives platform and aims makes it even easier for shoppers to pay with Laybuy at thousands of the world’s leading retailers. The Virtual Card is now responsible for processing more than a third of all Laybuy transactions in the UK.

Alex is currently Laybuy’s Chief Product Officer, where he is focussed on building a world-class team focussed on innovation and continued disruption in the payments sector, with the aim of defining the future of BNPL.

Ritesh is an Entrepreneurial Technology Leader & Board Advisor with two decades of global experience in Digital Technology, Business Transformation, and Operations with fortune 500 companies like HSBC, VISA, Maersk to name a few. Recently he was building an enabling function to build the bank of the future at HSBC.

He is a visiting lecturer, regular speaker & author, Diversity & Inclusion advocate, A Member of G20 initiative for financial inclusion, mentor to the UK Parliament Digital Service & start-ups. Advisor to Harvard Business Review (HBR), Payment regulators and Government bodies for women empowerment, child rights protection and working on initiatives in Social & Financial inclusion along with Open Banking in EU & Africa.