Senior Management

Peter Langham

Peter Langham

Chief Executive Officer and Executive Director

Peter has over 33 years of experience in the Debtor Finance industry with experience in audit and credit, international factoring, client management and sales.

In 1988, Peter joined Bank of Scotland Debtor Finance business in a sales role and was appointed as Head of Sales for England and Wales in 1991.

In 1993, Peter joined Scottish Pacific (then owned by Bank of Scotland) and in 1997 Peter joined AGC, the Debtor Finance arm of Westpac, before establishing Benchmark Debtor Finance Pty Limited in 1998.

In 2005, the founding shareholders of Benchmark Debtor Finance sold their interests to BA Ventures Limited and Benchmark continued on a growth path which culminated in the acquisition of Scottish Pacific Business Finance in 2007. Peter has remained CEO and a shareholder of Scottish Pacific throughout.

David Rose

David Rose

Chief Financial Officer

Since arriving in Australia from London, David has compiled over 25 years of experience in Australian Financial Services holding senior management roles with Commonwealth Bank Group (CBA), National Australia Bank and PricewaterhouseCoopers. In those roles, David has been closely involved with a wide range of business improvement programs ranging from rebuilding Finance Functions and Cost management programs, through to implementing distribution partnerships and technology driven transformation.

Prior to joining Scottish Pacific in November 2017, David was Head of Finance for the Technology and Operations Division of CBA and before that was CFO for Bankwest Retail during their National Expansion.

David holds a Bachelor of Science from Manchester University in the UK and is a qualified ACA and member of Chartered Accountants in England and Wales.

Craig Michie

Craig Michie

Head of Specialised Finance

Craig commenced his career in Debtor Finance with Scottish Pacific in 1987 before moving to AGC in 1989, where he held a number of senior roles including National Manager of Cash Flow Finance.

In 1999, he moved to St. George where he worked on the acquisition of Scottish Pacific before leaving to start his own business in 2001.

In 2006, Craig founded Taurus Trade Finance Pty Limited, a predominantly Debtor Finance business. In early 2011, Taurus was acquired by Suncorp Bank and Craig became Head of Working Capital Solutions for Suncorp.

Craig rejoined Scottish Pacific in July 2012 and was appointed as Head of Trade Finance. In 2017, Craig was appointed as Head of Specialised Finance.

Wayne Smith

Wayne Smith

Head of Debtor Finance

Wayne has over 26 years of experience in commercial finance, the last 17 years of which have been dedicated to a variety of roles in the Debtor Finance industry, incorporating risk, sales and operations both in Australia and the UK.

Wayne joined Euro Sales Finance Plc as a Client Manager in 1999, followed by a number of other senior roles. In 2007, Wayne assumed the position of General Manager, Cashflow Finance Australia.

In 2010, Wayne joined Scottish Pacific as the Queensland General Manager. In 2013, Wayne was appointed to the newly created executive position, Head of Marketing and Product Development. In 2016, Wayne was appointed to the Head of Debtor Finance position.

Steven Davies

Steven Davies

Chief Operating Officer

Steven started his professional career working for several well-known chartered accountancy firms such as PKF and Duesburys (now Deloitte) in fields such as audit and insolvency and reconstruction.

He then first joined Scottish Pacific Business Finance in 1994 to set up the Operations department in Western Australia.

Steven took up an opportunity with ORIX Australia in 1998 to set up a national Factoring operations team.

In 2002, Steven was one of three founding directors of Bibby. Steven held several senior roles including Operations Director, Commercial Director and Director of Integral Collections during his 13 years at Bibby, and was a member of the Board.

In 2016 Steven joined Scottish Pacific and was appointed to the executive position, Head of Specialist Products. In 2017, Steven was appointed as Chief Operating Officer.

Nick McAvoy

Nick McAvoy

Head of IT & Business Systems

Nick has over 22 years IT experience across multiple sectors, with the last 11 years in the financial services sector in both the United Kingdom and Australia. Nick also has an extensive project management background, holding a Prince2 certification in Project Management, a diploma in Project Management as well as accreditations in Change Management and ITIL.

Nick has extensive experience in IT Infrastructure design and implementation combined with application design, development and implementation. Nick has worked on a number of merger and acquisition processes both in the UK and Australia, where he successfully combined different business applications and infrastructure, consolidated and integrated various platforms, and implemented robust disaster recovery processes for such businesses.

In 2011, Nick immigrated to Australia where he was the Technical Consultant/BDM for Dancerace PLC, a Debtor Finance software platform provider, then joined Scottish Pacific in November 2012.

Chris Hedge

Chris Hedge

General Manager (UK)

Chris has over 20 years of experience in the Debtor Finance industry and 11 years working with SME clients in the accounting profession and related financial services.

Chris' Debtor Finance career commenced with Scottish Pacific in 1992 in a client management and credit role. From 1996 to 1999, Chris worked in a pure new business role with NAB before moving to AGC (now part of Westpac) to lead their Debtor Finance business unit.

In 2003, Chris founded the Benchmark Debtor Finance office in Sydney. Chris became General Manager - NSW/ACT of Scottish Pacific Benchmark following the acquisition of Scottish Pacific and merger with the Benchmark business in September 2007.

In 2013, Chris was appointed to the executive role, Head of Debtor Finance and took over the CFO role for Scottish Pacific in 2015.

In 2017, Chris moved to the UK and took on the role as General Manger in the London office.