Kate Pender

Kate Pender was appointed Chief Executive at Fair4All Finance in September 2024.

Prior to this Kate was Deputy CEO and Director of Growth and Development at Fair4All Finance and she led the development and delivery of £40m of scaled pilot testing of new propositions to support customers in vulnerable financial circumstances including the No Interest Loan Scheme, Consolidation lending pilots and implementation of benefits calculators and grant checkers in lending journeys, all of which JP Morgan have co-funded.  

Since its inception in 2019, Kate has led Fair4All Finances’ work on growing the capability and resilience of community finance lenders including Fair4All Finance’s inaugural £12m investments into not for profit lenders, its technology investment fund, good practice guidance on mergers, diligence, compliant lending and most transformational leadership programme.

Utilising the innovation ecosystem to best effect Kate’s team are mentors for the FCA’s technology sprints and the Fair4All Finance pilots are in the FCA’s regulatory sandbox and innovation pathway programmes.  

Kate has developed the financial packages including subsidy arrangements and novel bad debt guarantees to enable lenders to trial supporting customers traditionally outside of their risk appetite.  Prior to joining Fair4All Finance Kate had twenty years of experience in economic development and on support to accelerate the growth of small businesses.  

Kate is a member of the government’s Financial Inclusion Committee.