Board of directors

Harmoney benefits from a Board providing deep expertise and broad experience, ensuring the company embraces a high standard of corporate governance, and supports the organisation as we continue to build toward the company we inspire to be.

Paul Lahiff
Paul Lahiff - Independent Chairman

Paul is a highly seasoned executive following 40 years experience in financial services, encompassing a broad portfolio of Directorships. Paul currently sits on the Board of ASX-listed AUB Holdings, as well as payments company Sezzle Inc. He is also a Director of Australian neo-bank, 86 400 Holdings, and NESS Super. Paul was previously the CEO and Managing Director of Mortgage Choice (2003 – 2009), during which time he led its successful listing on the Australian Stock Exchange. He was also a former Managing Director at Permanent Trustee, and before that at Heritage Building Society. Paul brings a recent track-record of Chairmanships where he gained extensive capital markets, regulatory and governance experience from his time at Cuscal Limited; New Payments Platform (NPP) Australia; Australian Retail Credit Association; and RFi Group.

Paul chairs Harmoney's Nomination and Remuneration Committee, and is a member of the Audit and Risk Committee.

David Flacks
David Flacks – Independent Director

David was a senior corporate partner of Bell Gully for many years and was General Counsel and Company Secretary of Carter Holt Harvey for 4 years during the 1990’s. Since retiring from Bell Gully, David has had a number of governance and regulatory roles. He is currently chair of dual NZX and ASX listed AFT Pharmaceuticals and is chair of the Suncorp New Zealand group of companies, and a director of Todd Corporation. He has been chair of both NZX Markets Disciplinary Tribunal and NZX Regulatory Governance Committee, and a member of the New Zealand Takeovers Panel.

David is a member of Harmoney's Audit and Risk, and Nomination and Remuneration Committees.


Tracey Jones
Tracey Jones – Independent Director

Tracey is a professional director and family office adviser. She currently has a portfolio of governance roles in the commercial, not for profit and charitable sectors. She has significant investment, commercial, and governance experience having previously held executive roles in one of NZ’s largest family offices. She is a Chartered Accountant, a member of the Chartered Accountants of Australia & New Zealand, and a member of the NZ Institute of Directors.

Tracey chairs Harmoney's Audit and Risk Committee, and is a member of the Nomination and Remuneration Committee.


Neil Roberts v2
Neil Roberts – Founder, Chief Product Officer and Executive Director

Neil founded Harmoney, led the business as chief executive officer over six years driving the capital path, and building culture systems and processes that are intrinsic to Harmoney’s success. Prior to that Neil was Head of Sales and Business Development at FlexiGroup, leading a team of 80 with annual sales of $200 million driving a $30 million profit. Neil founded the Direct Division of a New Zealand retail company, PRG Group, that sold personal loans to consumers and raised retail debentures to fund loans. Launched in 2001 PRF Direct, achieved $3.2 billion in personal loan applications and $1.2 billion in written personal loan volume over five years. Ultimately heading the business, Neil was responsible for over 400 staff and a balance sheet of $750 million in assets with forecasted pre-tax profit of $50 million six years later and prior to being sold to GE Money in 2006.


David Stevens
David Stevens - Chief Executive Officer and Managing Director

David is a highly experienced public company CEO specialising in consumer and commercial finance in Australia and New Zealand. Before commencing with Harmoney as CEO in 2019, David had most recently led a start-up consumer finance company, to ultimately securing a major equity stake in the business by a large Australian Bank in 2018. Prior to this, David served as CEO and CFO of Humm (formerly “FlexiGroup”) (ASX: “FXL” now “HUM”). In David’s nine years with FlexiGroup, he led a team of over 1,000 employees in the strategic growth of the business, through organic growth and M&A. What was a small company when he started, to becoming CEO of an ASX200-listed business. David also led the $300m+ acquisition of Fisher & Paykel Finance and spent considerable time in New Zealand in the course of his work in the local side of the business.