James West

James leads the strategy behind FlexiPay - Funding Circle's flexible business credit line - and Funding Circle's Credit Card, which brings everyday spending power and rewards to the UK's small businesses. James began his career as a strategy consultant before moving into fintech. At Funding Circle he first worked on the company's small business loans before turning to revolving credit and cards. That path has given him a rare, end-to-end view of how SMEs borrow: from multi-year term loans through to flexible, on-demand credit. His work spans the full picture - growth, product strategy, customer acquisition and go-to-market - turning data into the decisions that shape how thousands of UK businesses access finance. James is a firm advocate for straightforward, transparent lending and for stripping out the friction between a small business and the funding it needs to grow. He writes on SME finance, business credit, cards and the fast-evolving landscape of alternative lending in the UK.