Thought leader within Fintech, Payments and Consumer Credit. Ross is the founder of TAB Shopping, created with the purpose of systematically transforming the credit industry. Ross acts as an independent consultant to a number of investment management firms & fintech startups and is author of 'Death of the 4 Party Model'.Expertise is built from 15 years industry experience acting in roles spanning commercial finance, credit risk and sales. Most recently orchestrated Klarna's go to market strategy for the UK in 2016 and US in 2018, executing growth of Klarna’s consumer franchise to over 1m UK users within 24 months, whilst delivering breakeven.