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Our Team

Managing Director

Roy Warren

Roy Warren
roywarren@FOLK2FOLK.com
01566 788362
linkedin

I've had a varied career, being a banker to the aristocracy and A-list Hollywood film stars. Over the last 20 years, I have focused on Risk and Portfolio Management, being responsible for global asset management, including landmark real estate projects, rail networks, aviation and marine portfolios. I have a personal interest in property renovation, with a particular interest in sustainable property development. I love spending time with my grandchildren… a great joy of my life.

Sales and Customer Services

Claire Richards

Claire Richards
clairerichards@FOLK2FOLK.com
01566 818535
linkedin

Following 16 years in a blue chip financial services business, I am very pleased to join FOLK2FOLK to work within a smaller customer centric team. In my free time I travel as much as possible.

Becky Kelly - On Maternity Leave

Becky Kelly - On Maternity Leave
beckykelly@FOLK2FOLK.com
01566 788 358
linkedin

I have 10 years’ experience in financial and customer services and joined FOLK2FOLK as the ISA Manager. I've recently been promoted to Head of Customer Services and it’s great to be able to use the skills and knowledge I’ve built over the years. Outside of work I enjoy anything outdoors, walking my dogs, surfing and camping.

Lynn Pett

Lynn Pett
lynnpett@FOLK2FOLK.com
01566 788 375
linkedin

After nearly 29 years in banking, it’s so refreshing to have something different to offer clients. Helping both Lenders and Borrowers really makes my day! When I’m not here, I’m often out on my bike and have challenged myself to complete the Windsor Triathlon in 2018!

Matthew Belding

Matthew Belding
matthewbelding@FOLK2FOLK.com
01566 779924
linkedin

I joined Folk2Folk and originally worked within the Borrowing team before moving to the Customer Service team. I now deal with new loan applications, supporting our Customers who are looking to become Borrowers. Outside of work I enjoy spending time with family and my two dogs and exploring the beautiful Cornish countryside.

Tillie Pullen - On Maternity Leave

Tillie Pullen - On Maternity Leave
tilliepullen@FOLK2FOLK.com
01566 788 354
linkedin

I support projects within the business which means my days and weeks are very varied! I work on anything from product launches to improving the ways we do everyday tasks. At home I have 2 cats and 2 dogs and enjoy songwriting, singing with my band and an array of creative hobbies.

Joanna Chan - On Maternity Leave

Joanna Chan - On Maternity Leave
JoannaChan@folk2folk.com
01566 788498
linkedin

After starting my career in an investment bank, I relocated to the stunning Cornwall and joined FOLK2FOLK as a credit analyst, covering strategy, loan book analysis and institutional marketing. I am delighted to be part of a company that champions the rural economy. I am a keen foodie and an avid supporter of British farming, so naturally, in my spare time I love discovering all the local produce the area offers.

Sue Green

Sue Green
SueGreen@folk2folk.com
01566 771836
linkedin

I joined as part of the Reception and Customer Service Team in December 2018 and am now a full time member of the Customer Service Team. I am from a Finance and Administration background and am a qualified book keeper. Originally from West London, I moved to Cornwall in 2003. I have a grown up daughter and son (who I now need more than they need me!) and two lively dogs to keep me busy. I enjoy walking in the woods and on the beaches of Cornwall. I like to socialise with family and friends and make the most of living in such a beautiful part of the country.

John Webber

John Webber
johnwebber@folk2folk.com
01566 788497
linkedin

I worked for Lloyds for 38 years, the last 24 years as a Manager within Commercial/Agricultural Banking. I am delighted to have joined FOLK2FOLK and look forward to helping more clients achieve their goals.

Loan Management

Louis Mathers

Louis Mathers
louismathers@folk2folk.com
linkedin

As an executive director and one of FOLK2FOLK’s co-founders, I’m proud to be part of the great team we have here at FOLK2FOLK. I trained as a solicitor in Truro before joining national law firm Burges Salmon LLP in Bristol. I have extensive experience in property finance acting for a range of clients from large banks to small private lenders. I combine my legal experience across a multitude of sectors, including leisure, rural land, agriculture, retail, transport and telecommunications, with a deep understanding of the business needs of plcs, investment funds, financial institutions, charities, SMEs and private individuals. I still practice as a consultant solicitor with Murrell Associates in Truro and I’m also a Non-Executive Director of the Cornwall and Isles of Scilly Local Enterprise Partnership as SME lead. Outside of work, I enjoy rowing and getting active in Cornwall with my two young children.

Mark Thomas

Mark Thomas
markthomas@FOLK2FOLK.com
01566 771 837
linkedin

I work for FOLK2FOLK as a loans officer dealing with loan redemptions and customer account reviews and queries. I'm a dairy farmer's son with 37 years in financial services where I worked with a number of SME and agricultural businesses in Cornwall for a bank. Amongst my interests are cricket and I'm Treasurer and player at Truro CC- also on the committee of Cornwall County CC. Interested in both family and military history and read widely - mainly on Georgian and Napoleonic themes.

Meg Jenkins

Meg Jenkins
megjenkins@FOLK2FOLK.com
01566 788 357
linkedin

I am part of the Legal team at FOLK2FOLK and my role is constantly evolving. I recently moved to Cornwall with my fiancé and our beautiful, 11-month-old cocker spaniel, and we are enjoying exploring the lovely countryside and beaches, which is our favourite place to be.

Naomi Thomas

Naomi Thomas
NaomiThomas@FOLK2FOLK.com
01566 771839
linkedin

I joined FOLK2FOLK as Loans Administrator to support the Borrowing team. At present my role is constantly evolving, meaning my days are extremely varied! I live with my fiancé and our two daughters and our family time is spent exploring Cornwall, cooking, seeing friends and making memories.

Bill King

Bill King
BillKing@FOLK2FOLK.com
07484 544978
linkedin

I have worked in Finance for over 40 years with the majority of that time spent in big ticket asset finance e.g. Planes, Trains & Automobiles. After a short career break I was delighted to join Roy Warren’s Team in FOLK2FOLK to put my experience to good use within a organisation dedicated to supporting local businesses and communities. Outside of work you will find me either on the golf course, tennis court or in the gym.

Rachel McCarthy

Rachel McCarthy
RachelMcCarthy@folk2folk.com
07849 089362
linkedin

I have worked in finance for 15 years with the majority of that time being spent in a Risk and Portfolio Management role. I have managed portfolios across a number of sectors, but have primarily focused on film finance, property and rail assets. Joining FOLK2FOLK provides an opportunity to work within the Peer to Peer lending market. Outside of work I am kept busy by my two young sons.

Gill Alford

Gill Alford
gillalford@FOLK2FOLK.com
01566 788 366
linkedin

I have worked in the Financial Services Industry for over 30 years and at FOLK2FOLK for 3 years. My role within FOLK2FOLK is the manager of the Loan Matching team. I contact lenders when a loan becomes available to give the details of the opportunity to ascertain if the client would like to lend. I enjoy speaking with clients on a daily basis and maintain a close relationship with them. On a personal level, I enjoy cooking, gardening and walking – one of my favourite places being the Isles of Scilly.

Caroline Green

Caroline Green
carolinegreen@FOLK2FOLK.com
01566 773 296
linkedin

Having previously worked in the travel industry I gained some great experience of working in a motivated team delivering excellent customer service.  I am delighted to bring those skills to FOLK2FOLK as I understand that great communication skills and a warm welcome is what people expect and deserve. I love spending time with family and friends, keeping fit at my local gym and walking my dog along some of Cornwall’s most beautiful coastal paths.

Laura Alford

Laura Alford
lauraalford@FOLK2FOLK.com
01566 788 363
linkedin

I have worked at FOLK2FOLK since inception, initially in the lending team before moving to the borrower team, processing applications. I have remained in this team, which is now much larger than it was before! I have previous experience in administration and finance. Out of work I dedicate my time to my ‘Yorkiepoo’, Herbie, as well as cooking and entertaining.

Alex Gray

Alex Gray
alexgray@FOLK2FOLK.com
01566 788 355
linkedin

I worked in agricultural and commercial insurance for 4.5 years in Holsworthy before joining FOLK2FOLK. I live in Cornwall with my cat and in my spare time, I enjoy seeing friends and family, cooking and keeping fit.

Becky Garrard

Becky Garrard
Becky.Garrard@folk2folk.com
01566 788492
linkedin

After relocating from West Sussex to Devon I started working in the Borrowing Team at FOLK2FOLK. My background is within the pension industry. During my spare time I love exploring the countryside and coasts with my husband and beautiful German Shepherd.

Marketing

Veryan Skinner

Veryan Skinner
veryanskinner@FOLK2FOLK.com
01566 788 349
linkedin

Having worked in marketing and communications for global and multinational businesses in London, Singapore and Sydney for 20 years, I returned home to the countryside of Devon and Cornwall and began working with small and micro businesses; I have always admired the amazing energy and determination of the entrepreneurs that run them. I'm proud to work for FOLK2FOLK, a company that fills a vital gap in helping local and rural businesses flourish. Outside of work you'll find me running around after our two boys either on the moor, in the surf or on the rugby pitch!

Amy Bickham

Amy Bickham
amybickham@FOLK2FOLK.com
01566788376
linkedin

I joined FOLK2FOLK as a Marketing Executive with a focus on social media, events and email marketing and I'm very excited to develop my career within this team. I have lived in North Cornwall for the majority of my life and enjoy exploring the coastlines and countryside Cornwall has to offer.

Ian Bell OBE

Ian Bell OBE
ianbell@folk2folk.com
07483 171 372
linkedin

Ian has a practical farming background. From March 2001 until January 2018 he was CEO of the Addington Fund, supporting farming families during FMD and developing the Fund’s affordable housing work, before joining FOLK2FOLK. He remains very involved with many farming organisations and continues to participant in the Prince of Wales Affordable Housing Initiative.

Finance

Matt Evans

Matt Evans
mattevans@FOLK2FOLK.com
01566 788 351
linkedin

After 22 years in Financial Services in London, I moved to Cornwall in 2014 for a seachange and joined FOLK2FOLK in 2015. I’m proud to work for a small local company that has now expanded nationally and delivers an invaluable service for the local community. Outside of work I enjoy walking along the beach with my son at home in Padstow.

Caroline Scott

Caroline Scott
carolinescott@FOLK2FOLK.com
01566 788 364
linkedin

I have recently joined FOLK2FOLK having been a qualified accountant for over 30 years working in a variety of organisations. I moved to Cornwall 13 years ago and love the lifestyle. Outside work I enjoy keeping fit, meeting friends for coffee and volunteering for the RNLI.

Jane Ledward

Jane Ledward
janeledward@FOLK2FOLK.com
01566 788 367
linkedin

After relocating from Berkshire to Devon with my partner, 2 horses and a boxer dog I joined a local firm of solicitors before joining FOLK2FOLK and the finance team.

Lynda Statton

Lynda Statton
lyndastatton@FOLK2FOLK.com
01566 788 370
linkedin

I have a background in Financial Services and joined FOLK2FOLK in 2016 as a Client Relationship Officer in the Loan Matching Team. In 2019 I moved to the Finance team within Folk2Folk as an Accounts Assistant . In my spare time I enjoy rugby (as a spectator only!), walking my dog and travelling.

Compliance

Nicola Holmes

Nicola Holmes
NicolaHolmes@folk2folk.com
01566 771832
linkedin

I have worked in the financial services payments sector for most of my career, originally in Sales and Business Development and then moving into compliance consulting several years ago. I re-located to Devon from Buckinghamshire and was delighted to accept this role with FOLK2FOLK. It’s great to see how rural businesses, local SMEs and individuals are all being supported. Outside of work I enjoy walking on Dartmoor with various family members who come and visit us, growing my own fruit and veg at home and regular trips to Sandy Park to support the Chiefs.

Jodie Watton

Jodie Watton
jodiewatton@folk2folk.com
01566 788 379
linkedin

I have moved to the area to take up this new position. I support our Head of Compliance on regulatory requirements and monitor that procedures are being followed to ensure we remain compliant within FCA rules. I couldn’t feel more lucky to be able work here using the experience I have gained in the big city whilst enjoying the beauty that this area has to offer. It really is the best of both worlds.

IT

Falak Waheed

Falak Waheed
falakwaheed@folk2folk.com
01566 788672
linkedin

Mike Bondartschuk

Mike Bondartschuk
MikeBondartschuk@folk2folk.com
linkedin

My role at FOLK2FOLK is as a Business Intelligence Analyst, primarily supporting colleagues with business reporting, but also creating analytical information and dashboards as business management tools.
My previous careers included 20+ years as an accountant, both in professional practice and commerce and also in property management.
In my spare time I enjoy listening to my extensive vinyl collection of all types of music, walking with my partner Lisa and most of all creating photographs.

HR

Fiona MacInnes

Fiona MacInnes
fionamacinnes@FOLK2FOLK.com
01566 788 350
linkedin

I have enjoyed a varied career in H.R.  I love being part of growing an innovative business like FOLK2FOLK and helping to develop a skilled and flexible team. Out of work my passions are keeping fit, spending time with my family and friends and spoiling my pug!

Our Board

Roy Warren

Roy Warren
roywarren@folk2folk.com
01566 788362

I've had a varied career, being a banker to the aristocracy and A-list Hollywood film stars. Over the last 20 years, I have focused on Risk and Portfolio Management, being responsible for global asset management, including landmark real estate projects, rail networks, aviation and marine portfolios. I have a personal interest in property renovation, with a particular interest in sustainable property development. I love spending time with my grandchildren… a great joy of my life.

Tim Sawyer CBE

Tim Sawyer CBE

Tim has over 30 years experience in financial services – beginning his career with Lloyds and then Abbey National. Having founded and run Cahoot bank at the start of the internet era, Tim moved on to running a network of banks for the Sampoerna conglomerate of Indonesia.

Tim spent several years as COO for KRBS and was recently Chairman of Banque Dubois in Switzerland. Currently Tim is also CEO of Start Up Loans, a private sector initiative backed by Government with mandate of delivering £350m funding to start up companies so that they can create 50k new jobs.

Tim was awarded a CBE in the Queen's Birthday Honors List in 2016.

Louis Mathers

Louis Mathers

As an executive director and one of FOLK2FOLK’s co-founders, I’m proud to be part of the great team we have here at FOLK2FOLK. I trained as a solicitor in Truro before joining national law firm Burges Salmon LLP in Bristol. I have extensive experience in property finance acting for a range of clients from large banks to small private lenders. I combine my legal experience across a multitude of sectors, including leisure, rural land, agriculture, retail, transport and telecommunications, with a deep understanding of the business needs of plcs, investment funds, financial institutions, charities, SMEs and private individuals. I still practice as a consultant solicitor with Murrell Associates in Truro and I’m also a Non-Executive Director of the Cornwall and Isles of Scilly Local Enterprise Partnership as SME lead. Outside of work, I enjoy rowing and getting active in Cornwall with my two young children.

Alex Daly

Alex Daly

Alex is a Chief Financial Officer with an extensive range of both accounting, risk and business experience, gained through working at retail and challenger banks, FinTechs and alternative consumer lenders. He brings to the FOLK2FOLK board a wealth of experienced gleaned from working within a diverse range of businesses from Private Equity funded through to Listed and the Public Sector.

Graham Dingle

Graham Dingle

Graham brings fifty years of small business experience along with specialist knowledge of farming and agricultural businesses, a key sector for FOLK2FOLK. In partnership with his two brothers, Graham runs his family’s arable farm in Cornwall and Dingle Brothers Systems Limited, an engineering business specialising in computer systems for agricultural businesses.

Justin Abbott Chalew

Justin Abbott Chalew

Justin is a technology leader with experience across both start-ups, scale-ups and large corporates. He has worked as Chief Technology Officer at several technology businesses and held digital transformation and programme management roles in both the United States and the UK. In addition to IT governance and financial management, he has domain experience in FinTech and in delivering secure and scalable platforms.

Megan McCracken

Megan McCracken

Megan is a strategy and transformation executive with over 20 years of experience across global businesses, including HSBC and Citigroup. She is also an independent director with a portfolio of financial services and digital boards from FTSE 250 to smaller, high growth businesses. Megan brings a proven ability to guide boards at the intersection of organisational, operational, digital and regulatory change.

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