SmartRate people
We are here to offer you a better experience than the large and confusing big financial institutions where you can get lost in the systems and processes (we’ve been there and done that!) So it’s important to us that you know who we are.
- Melanie Willis
- CEO
- Melanie brings over 16 years investment banking experience to SmartRate Money, through Executive roles in Westpac, Deutsche Bank and Bankers Trust and Non Executive Directorships at Hydro Tasmania, WHK Group Ltd and Aevum Ltd.
- Bob Lloyd
- COO
- Bob brings over 18 years general management experience to the COO role, including Head of Strategic Development, Head of Change Management, Risk & Operations, and Head of Leasing & Small Business with Colonial, Australian Financial Services, and National Operations Manager and Chief Manager, Retail & Business Banking, with NatWest Australia Bank.
- Karen Twist
- CIO
- With over 10 years experience in IT and a focus on delivering leading edge technology to challenge the way the industry looks at a loan application, Karen made the perfect fit for SmartRate Money. Previous roles include Chief Technology Officer at a Sydney based Software House and Software Development Manager at Commonwealth Bank.
- Peter Naylor
- Senior Credit Manager
- Peter brings a wealth of consumer lending experience to SmartRate Money. His skills have come from roles covering Credit Cards, Unsecured and Secured Personal Lending at Colonial and key Consumer Credit roles in the Finance Broking and Credit Union Industry.
- Brad Esson
- Business Development
- With 7 years experience in consumer lending, including working as a broker himself, and leading sales teams in working with finance brokers, financial planners and aggregators, Brad’s key focus has always been the delivery of top level service to his customers and introducers.

