Who we are

When Flender was founded in 2015, it was clear to us that Irish businesses did not have access to the finance they needed to grow, while investors were making poor returns on their money. We had a great idea — bring them together in a safe and efficient way, and help them support each other. That's what we are doing, and this is the team behind it.

Executive Team

Kristjan Koik, CEO, Flender - Fast Flexible Finance

Kristjan Koik

Chief Executive Officer

Kristjan founded Flender in 2015 as a solution for faster access to finance for businesses, and to provide investors with access to a new asset class. Kristjan holds accreditation as an FCA approved person - CF10 Director. Prior to Flender, Kristjan founded and successfully brought to market e-commerce and technology companies including Instacoach, Doclink and financial services company Instacredit.

Jeremy Betancourt, CFO, Flender - Fast Flexible Finance

Jeremy Davies-Betancourt

Chief Financial Officer

Jeremy has been in executive management across finance and research with organisations such as CIT Group / Dell Financial Services and Context. Jeremy sits on Context’s Board of Directors, and was Chief Financial Officer, focusing on corporate structure; tax efficiency; the reorganisation of the finance team; and enhancing FP&A discipline, liaising closely with sales teams.

David Mc Namara, Chairman of Risk Committee, Flender - Fast Flexible Finance

David Mc Namara

Executive chairman and member of credit committee

Serving on Flender’s Risk Oversight and Audit committee, David has worked in high yield credit, and intensive and structured debt capital markets, in major international banks including Chase Manhattan and JPMorgan in London.

Flender Team

Colin Barry, Head of Credit, Flender - Fast Flexible Finance

Colin Barry

Head of Credit

Colin brings 10 years of Financial Services expertise to our team. His experience includes Underwriting at AIB and Portfolio Management at BOI. With his years of analytical credit review experience, his role is to lead our Credit Department through the “end to end” process and ensure that our customer journey is seamless. Colin is a Qualified Financial Advisor and also holds a Professional Diploma in Financial Services.

Nils Koik, Chairman of Credit Committee, Flender - Fast Flexible Finance

Nils Koik

Chair of credit committee

As Chairman of the Credit Committee, Nils Koik’s mission is to ensure that Flender has world-class controls to select creditworthy borrowers and protect investors’ returns. Nils has 25 years experience in banking and risk management including 18 years with SEB Bank where Nils was director and chairman of the credit committee of bank branches and in charge of stress testing, risk reporting and credit decisions for SME lending, asset backed lending and consumer lending.

Jamie Heaslip, Head of Brand Marketing, Flender - Fast Flexible Finance

Jamie Heaslip

Head of Brand Marketing

Jamie played professional rugby for 15 years, captaining both Leinster and Ireland. During this time he invested in various successful businesses across multiple verticals. Following his retirement from rugby in 2018 he went on to work for Google full time in their UKI Large Customer Sales team, dealing with the biggest advertisers in Ireland. Invested in the business since 2017, Jamie has come on as Head of Brand Marketing to help raise the awareness of Flender through the Irish market.

Eddie Brennan, Credit Analyst, Flender - Fast Flexible Finance

Eddie Brennan

Credit Analyst

Eddie brings 10 years financial services experience to Flender. Experience includes Business Lending Advisor to Agri industry with BOI and previous experience working as a Credit Analyst with AIB.

Almina Kapetanovic, Credit Analyst, Flender - Fast Flexible Finance

Almina Kapetanovic

Credit Analyst

With more than nine years of experience within the SME/Corporate and Retail Banking sector, Almina brings expertise in credit analysis with particular focus on SMEs spread over a wide variety of business sectors. Almina holds a Masters in Financial Management and she is QFA part-qualified and is working towards a professional qualification.

Colin Canny, Head of Originations, Flender - Fast Flexible Finance

Colin Canny

Head of Originations

Colin has over 10 years of experience across the banking and financial services industry with a specific focus on business development, B2B sales, and strategic account management. Previous employers include the Bluestone Group and AIB where he served alongside the senior management team in various roles including sales, product design, business development, and credit analysis. In his role with Flender, Colin is responsible for direct management of the entire Flender Originations team and Flenders intermediary network of over 300 brokers across Ireland.

Cassie Long, Partner Originations Executive, Flender Finance

Cassie Long

Partner Originations Executive

Cassie joined the Flender team in June 2019. She has two years experience in the Finance sector, working for a finance broker in the North West of Ireland. She completed her Honours degree in Business specialising in Finance in 2017 with the Institute of Technology Sligo and is APA qualified with the Institute of Banking. Her role in Flender will be is assisting Flender partnerships with accountants, financial brokers and SME advisers with all day to day operations.

Ben Quilligan, Originations Account Executive, Flender Finance

Ben Quilligan

Originations Account Executive

Ben joined the Flender team in September 2019. He graduated from Maynooth University in 2018 with a degree in Finance and Business. After University, Ben moved to Chicago where he worked as a Junior Credit Analyst. Ben's role at Flender involves building strong relationships with customers ensuring they receive the financial support needed to grow their businesses.

Paul Kinane, Originations Team Leader, Flender Finance

Paul Kinane

Originations Team Leader

Paul joined Flender as a business development manager in November 2018 bringing over 12 years of business development & account management experience. Pauls past experience comes from the financial services sector wherein he worked with AIB Merchant Services generating new business and building relationship for both SME & Corporate clients. Within his role, Paul’s focus is to build long term relationships with his clients to help them achieve their necessary business growth.

Ursula Cotter, Customer Service Executive, Flender Finance

Ursula Cotter

Customer Service Executive

Ursula is a fully qualified QFA and has over 12 years’ experience in the financial services sector. Ursula has worked with both Bank of Ireland and New Ireland Assurance where she developed a broad and valuable skillset through contact with a wide range of customers and products. Ursula’s focus is to provide exemplar service and support to Flender’s clients and partners. Ursula joined Flender in February 2020.

Farhad Patel, Finance Manager, Flender Finance

Farhad Patel

Finance Manager

Farhad is a KPMG trained chartered accountant, placing in the top 1 percentile in the Final Admittance Exams. He has worked in the financial services sector, specialising in the audit of funds and investment companies. He is now leading the finance division of Flender, applying his vast technical and analytical skills to this new line of business.

MingHsuan Huang, User Experience Developer, Flender - Fast Flexible Finance

MingHsuan Huang

User Experience Developer

MingHsuan has 5 years visual design experience in the IT industry and specialises in web design, visual communication and multimedia design. He is a pure UX enthusiast and holds an MA in Interaction Design from National College of Art and Design.

Oleksii Danylevskyi, Senior Software Engineer, Flender - Fast Flexible Finance

Oleksii Danylevskyi

Head of Information Technology

Oleksii is an expert in all aspects of system design, development and implementation. He is an experienced software engineer using Ruby and PHP for 8 years. His main interests lie in Cloud Computing and Microservices. Oleksii has a MSc in Applied Mathematics from the Taras Shevchenko National University of Kiev.

Nitanshu Rehani, Software Engineer, Flender - Fast Flexible Finance

Nitanshu Rehani

Software Engineer

Nitanshu is a proactive full stack ruby on rails software engineer with over two and half years of experience in the IT industry. In addition, he is a highly driven individual with masters in Information System With Computing from Dublin Business School.

Jin Lim, Full Stack Developer, Flender - Fast Flexible Finance

Jin Lim

Full Stack Developer

Jin is a full-stack Web Application Developer and Software Developer. He has a BSc. in Information Technology from the College of Computing Technology in Dublin, and has 2 years’ experience as a Java software engineer with a focus on Android development. Jin has a keen interest in Ruby on Rails and a passion for writing clean and efficient code. He is driven, self-motivated and constantly experimenting with new technologies and techniques. He is passionate about Web Development and strives to better himself as a developer. Jin joined the Flender team in February 2020.

Board of Directors and
Advisory Board

Brian Norton, Senior Advisor to the Board, Flender - Fast Flexible Finance

Brian Norton

Senior Advisor to the Board

Brian is a tech and finance entrepreneur having founded leading fin-tech companies such as Future Finance, Supply Finance and Arch Bay Capital. Brian advises board on strategy. Brian received an AB from Harvard University and MBA from UCLA.

Tony Mcguire, Senior Advisor to CEO, Flender - Fast Flexible Finance

Tony McGuire

Senior Advisor to CEO

Tony is an experienced CEO, having led the growth and development of System Dynamics for 19 years to one of the most successful indigenous IT consulting companies. Tony is a Business Advisor Coach for the Enterprise Ireland and provides leadership development/ coaching to organizations.

Gerry Jennings, Director and Property Finance Advisor, Flender - Fast Flexible Finance

Gerry Jennings


Gerry is a very experienced financier, property and business investor. His background is in banking where he spent more than 25 years working at senior level in business, corporate and property finance. Following his banking career he joined Jaguar capital as a director overseeing an International property portfolio and executing transactions in excess of €2.Billion.

Philip Grant, Executive Chairman, Flender - Fast Flexible Finance

Philip Grant


A KPMG trained chartered accountant, Philip was a founder partner of RSM Farrell Grant Sparks. He has bought, developed and managed a variety of businesses over the past 30 years in Dublin, London and New York.

Our Awards
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  • Safe

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Flender in the media