Roy has over 45 years’ experience in mortgages and retail financial services. A Fellow of the Chartered Bankers Institute, CeMAP and CeRGI, Roy spent 23 years with Halifax, before working for JP Morgan. Roy then joined Kensington Mortgages (subsequently purchased by Investec) in 2007 as Head of Risk, Compliance and Financial Crime. There, he oversaw a rebuild of Kensington’s credit risk and underwriting framework, helping it become one of the UK’s largest specialist residential and buy-to-let lenders.At Lendinvest Roy led the credit and loan servicing teams for 6 years and was responsible for Lendinvest's entry into the BTL market in 2017 before starting his path towards retirement in 2021. Roy now chairs LendInvest’s Credit Committee, whilst also leading the loan servicing team and representing Lendinvest on UKF's BTL and LS & P Committees.