Big Picture – A Deep Dive Examination of H&T GROUP PLC
H&T GROUP PLC Snapshot
H&T Group plc is incorporated in England and is the UK's leading pawnbroker. H&T provides a range of simple and accessible financial products tailored for a customer base who have limited access to, or are excluded from, the traditional banking and finance sector.
The Directors believe that the UK alternative credit market is not adequately serviced by the mainstream lenders and, as such, that H&T provides a valuable source of credit to individuals in this part of the market. H&T has a diversifying product portfolio that includes pawnbroking, unsecured lending, jewellery retail, cheque cashing, Western Union money transfer and Foreign Exchange.
The country’s leading pawnbroking company
H&T is the country’s leading pawnbroking company with significantly more customers and a far higher loanbook than our nearest competitor.
We have over 190 outlets throughout the UK offering a range of services including pawnbroking, second-hand jewellery sales, cheque cashing, Personal Loans and foreign exchange. We have recently expanded our portfolio of products to become the first national company to offer a Prepaid MasterCard®.
The Company aims to provide flexible finance options to customers who prefer to deal in cash. We enable our customers to manage their finances in a simple and affordable way.
Please see below a list of our services:
John Nichols (Chief Executive)
After an early career in the RAF, John entered the leisure industry with the Rank Organisation where he held several senior executive positions. John joined H&T as Managing Director in 1997 and subsequently became Chief Executive. He has been instrumental in developing and implementing the business strategy and delivering growth in stores, revenues and profitability.
Stephen Fenerty (Finance Director)
Stephen trained with KPMG’s banking and finance team and since then he has pursued a variety of management roles in the alternative credit sector. Stephen joined H&T in March 2005 as Commercial Director before taking on the role as Finance Director in December 2013. Stephen has direct responsibility for finance, IT, unsecured lending, acquisitions, compliance and credit risk. He is a member of the Institute of Chartered Accountants in England and Wales.
Peter spent the majority of his career with Lloyds Bank plc, as chief manager for strategic planning, mergers and acquisitions, and then as the managing director of Personal Banking. He subsequently served as Group managing director of the Alliance & Leicester plc and Chief Executive of Wesleyan Assurance Society, a mutual life insurance business. In 2002 he left to become Chairman and subsequently executive Chairman of Moneybox plc, the leading ATM deployer operating in the UK, Germany and the Netherlands, which he led to flotation on AIM.
In 2006 he set up a new ATM business, Notemachine Ltd and is the CEO.
James Thornton has more than fifteen years of experience in UK financial services organisations, most recently as a Director at Hannam & Partners, from 2009-2015, and previously as Head of Finance at BAT Industries, Group Deputy Finance Director and UK Finance Director at Old Mutual plc and Head of Foreign Exchange at IFX plc. James has also held senior positions with Lord Ashcroft KCMG associated companies – Anne Street Partners and Global Health Partner plc. James is a Fellow of the Institute of Chartered Accountants in England and Wales.
Elaine sat on the National Executive Committee of LINK between 2008 and 2011, Bank of England’s Strategic Cash Group between 2009 and 2011, and an Advisory Board Member 2016/17 of Centre for Ageing Better – Inequalities in later life review. From 2015 to August 2017, Elaine was a NED of the £35m UK Government funded Credit Union Expansion programme, charged with the delivery of new technology infrastructure and operating models to enable the expansion of Credit Union services. Until October 2017, Elaine was a senior leader within Barclays and a Member of the Barclays UK Current Account and Insurance Committee.
Mark is presently a Special Advisor (Associate) at KPMG LLP, acting as Advisor to the International Banking Financial Services Partnership teams. Between 2008 and 2015, Mark held the positions of Retail Operations Director (Business Services), Managing Director, Customer Contact (UK Retail Banking) and Director (Challenger Bank) at the Royal Bank of Scotland plc. Mark’s broad experience base includes working in highly regulated businesses as an FSA / FCA / FSC Approved Person, operating in domestic and international markets.
Times House, Throwley Way, Sutton, Surrey, SM1 4AF
Phone: +44 (0)800 838 973
Loan center: +44 (0)800 085 1090
Fax: +44 (0)2082 252 740
Nominated Adviser and Broker
Numis Securities Limited
London Stock Exchange Building
10 Paternoster Square
PO Box 4630
Email: [email protected]
Financial: Damian Beeley / Brian Norris
4 Sun Court
Tel: 0207 562 4444