Twenty years building, running and rescuing fintech businesses. Employee #3 at Braintree, then founder of Rvvup: funded, scaled through the worst fintech market in memory, and sold. Now taken on for special projects: the raise, the burn, the move upmarket, the launch that won't launch. Operator, not consultant. Every project ends with something that works without me.

Nobody rings because things are fine. These are the five calls that keep coming, each with the question behind it, and what you're left holding when the project ends.
The narrative, the numbers behind it, the deck that survives a partner meeting, the target list, and the process run properly: sequencing, momentum, the hard conversations. I've raised from the funds you're pitching and sat on the other side of the table.
A line-by-line read of cost and runway from someone who has cut a fintech to survive a downturn and come out the other side with the business intact. What to remove, what to protect, and the order to do it in, with the numbers to show the board.
Who the buyer really is, what they need to see, and the messaging, website and sales motion that gets you taken seriously at the size you're now selling to. I've sold to the biggest brands in the market and know what their procurement, security and finance teams look for.
Product, site, go-live plumbing, first customers, unblocked in the right order by someone who has shipped production software and taken a stranger's money with it, recently, solo. Verified, not vibed.
A structured, written view from someone who has founded, scaled, sold, and sat on both sides of the board table: on the plan, the team, the market, the risks nobody has written down. Delivered as a document you can circulate, not a conversation you half remember.
Most special projects start as one of the five and turn out to be two of them. If the problem is real, has a deadline, and you've run out of people who can hold all of it at once, describe it. The answer within a day is either "yes, and here's how" or a name of someone better placed.
Every engagement starts the same way and ends with you not needing me. There is no retainer by default, no team behind the curtain, and no invoice for hours. Projects are priced on the problem, quoted after the Read, and capped at two at a time.
Everything on the table: the numbers, the product, the site, the pipeline, the people. Interviews with whoever matters. Then a written verdict: what's actually wrong, ranked, with what each fix costs and what happens if you don't.
Hands on, inside the business, on the one or two problems the Read put at the top. Named outcomes, agreed up front, with a date on each. I do the work with your people, not to them, so what's built stays built when I go.
For a small number of companies, the relationship continues at board or advisory level after the Project: a standing second opinion with the context already loaded. Offered, never sold.
You buy a fixed thing for a fixed price. If it takes me longer, that's my problem. If it takes less, you don't pay for the difference either. You paid for the thing.
Dependency is a failure mode. Every project ends with documents, systems and people who can run it. If you need me back, it should be for a new problem, not the old one.
Special projects don't survive being one of twelve. Two concurrent projects, no more, and a waiting list rather than a diluted job.
Every claim on this page is real or it was removed. Same standard inside the work: no manufactured numbers, no confident guesses dressed as facts, and you hear what didn't work too.
Building things people pay for, keeping them alive when the market turns, and selling them well. In the order it happened.
Joined before the product had a European customer. Built the region from nothing into a 40-person operation processing billions a year, winning many of the largest brands and merchants in the market, then repeated it across Asia-Pacific. Seven years of hypergrowth inside one of the most demanding commercial cultures in fintech, where "production-grade" and "commercially serious" were the entry requirements, not the goal.
Founded, raised roughly £20m from HV Capital and Lakestar, and built a product and team that investors described as what you hope for and rarely get. Then the market turned: 2022 to 2024 was the worst fintech funding environment in a generation. Made the hard calls on cost, scope and people to keep the business alive and on course, through to acquisition by Zopa Group in August 2025, and an earn-out completed on full terms in August 2026.
Registered with the Dubai International Financial Centre Registrar of Companies on 7 July 2022 (company no. 5910), while Rvvup was still being built. It has been the vehicle for advisory, operating and investment work since, and is the entity behind every engagement on this page.
An AI FP&A product for pre-Series A SaaS founders, built on a modern AI-assisted stack and run end to end by one person: product, infrastructure, billing migration on a live product, paid acquisition with server-side attribution, outbound with compliance built in. It's the proof that the operating method on this page is current practice, not a memory, and the reason the launch and go-to-market work above is done by someone who did it last month.
Active board member and angel investor in a Series C payments fintech, and adviser to other fintech and software companies. Has sat through the board meeting where the plan meets reality from every seat at the table: founder, executive, investor. The second-opinion work is written from all three.
Companies are not named unless they've asked to be. The shape of the problem is exact.
The board wants the cost base and burn taken apart line by line, and a website, narrative and demo that make sense to the size of customer they now sell to. Both at once, in the same ninety days.
Pre-raise. The fundraise, the deck, the messaging and the website, and warm introductions into the investors who will actually take the meeting, sequenced so the story is right before anyone hears it.
A website and commercial set-up that hadn't kept up with the business behind it. Rebuilt and handed over with no ongoing dependency. The owner runs it.
Founded a payments fintech, raised $20m institutional capital, and sold to a listed group in 2025. From signed SPA to all conditions met: a successfully completed earn-out.
Employee #3 to General Manager of Europe & APAC at Braintree-PayPal through seven years of hypergrowth. Knows what enterprise buyers, procurement and boards expect, because he sold to them and reported to them.
Operating a live software business solo, right now, on today's tools. Not a retired executive with a slide deck about how it used to be done, but someone who shipped, charged and diagnosed a funnel this month.
Exit credibility over the theorists. Current practice over the retired. Corporate depth over the cowboys.
The investor who backed him, the executives he built under, and the CTO who built with him.
“We backed David at Rvvup, and he delivered what you hope for as an investor and rarely get: a high-quality product, a team to match, and relentless execution through one of the worst fintech markets in memory. He made the hard calls to keep the business alive and on course, all the way to a successful exit to Zopa. Drive, product vision, and the nerve to make the tough decisions. I’d back him again tomorrow.”

“David worked for me at Braintree, where he built our European business from nothing into a 40-person operation processing billions a year, winning many of the biggest brands and merchants in the market. He builds teams and processes that last, holds a genuinely high bar, and does it with a discipline, and a decency, that makes people want to work for him. Few operators combine standards and drive the way he does.”

“I led worldwide sales at Braintree and watched David go from running Europe to running Europe and Asia-Pacific, building and scaling revenue teams across regions and cultures as he went. I’ve worked with a lot of revenue leaders; there’s no better team builder or executor out there.”

“I was David’s CTO at Rvvup. He is the clearest founder I have built for: deep in the product and the market, quick to decide, and then he defends the space for the team to do the work. Through the worst fintech market I have seen he kept us solvent, focused and shipping, all the way to the exit to Zopa. Demanding, straight with you, loyal to his people. I’d build with him again tomorrow.”

One email. What's wrong, what it's costing you, and when it has to be fixed by. If it's a fit, you'll get a proposed Read with a fixed fee and a start date. If it isn't, you'll get a straight no and, where I can, a better name.