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Damon has more than thirty years’ experience of providing, designing, and commissioning services to meet the needs of disadvantaged groups and communities. He has also been involved in consumer campaigns at the national and international levels on issues of credit, debt, and financial exclusion for well over a decade.
Prior to founding the Centre for Responsible Credit in 2010, Damon was co-chair of the Debt on our Doorstep campaign, which ran from 1999 onwards and campaigned for caps on the cost of credit; greater funding for affordable lenders, and for more effective responsible lending requirements.
During this period he worked in local government with responsibilities for advice and economic development, and between 2008 and 2010 as the Head of Policy for the Centre for Economic and Social Inclusion. However, his initial career was spent as a money and welfare rights adviser in the voluntary sector.
Damon's first degree was in Economics and Politics, and he also holds an MA (Distinction) in Public Policy.
Clare has over twenty years of work experience in the voluntary sector, much of this in grant making. Most recently she was Economic Justice Programme Manager at the Barrow CadburyTrust, managing a portfolio of grants which sought to create fairer financial systems and enable the voices of those on low incomes to be heard by local and national policymakers.
She served on the board of a credit union for several years and is currently a trustee of the Wakefield and Tetley Trust. Clare lives in East London and now works as a freelancer within the voluntary sector.
Niall is the Markets & Consumer Insights Manager at Fair4All Finance, joining in August 2021, having previously anchored their affordable credit programme at Carnegie UK from 2016-2021.
Niall spent the 1990’s in community development projects in the Craigmillar and Wester Hailes neighbourhoods of Edinburgh. His experience there of credit exclusion and its impacts led him to concentrate on the field of affordable credit.
Although he has held positions within Bank of Scotland, and Moneyline, most of Niall’s work has been as a freelance consultant supporting the establishment, or development, of community lenders; identifying the impact of a lack of access to products and services for some households; or monitoring high-cost credit lenders and their changing customer base.
Niall is also a Director of Right Way Credit Union and a member of Moneyline’s Impact Committee.