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Zopa Stock

Zopa offers peer-to-peer loans with low rates, flexible terms, and no early repayment fees.

About Zopa Stock

Zopa is a P2P money lending service that allows lenders and borrowers to deal directly with one another, cutting out the banks who act as middlemen. It works in the following way: the company first categorizes borrower credit grades with an A*, A, B, C, or Y rating; then lenders make offers that vary by money amount and time period for persons with a certain credit grade, and borrowers can then agree the aggregate offered rate. Zopa takes on such responsibilities as distributing money between parties, completing the legal paperwork, performing borrower identity/credit checks, and employing a collections agency that chases missed payments for the lender. Zopa also mitigates risk for lenders by enforcing monthly direct debit repayment, making borrowers sign a legal contract, and allowing lenders to lend small chunks of money to individual borrowers (i.e. someone lending £1000 would have their money spread across say, 100 borrowers). The company itself makes money by charging a fixed fee for borrowers and a 1% annual fee for lenders. Zopa has received public acclaim as well, having been awarded CNET Technology Awards' 2006 Internet Innovation of the Year, the 2007 Webby Award for Best Banking/Bill-Paying Website, the 2008 Webby Award for Financial Services, the Banker 2007 Award for Best Internet Project, and Moneywise 2009 Awards for Best Customer Service and Best Personal Loan. One of the three initial members of the UK's Peer-to-Peer Finance Association, together with FundingCircle and RateSetter. Other P2P lending services include [Lending Club](http://www.crunchbase.com/organization/LendingClub), [Prosper](http://www.crunchbase.com/organization/Prosper), and [Kiva](http://www.crunchbase.com/organization/Kiva).

Funding History

June 2004$12.0M
January 2005$1.0M
March 2006$15.0M
July 2006$5.0M
March 2007$12.9M
January 2014$15.0M
December 2015$70.0M
June 2017$32.0M
August 2018$44.0M
November 2018$16.0M
December 2019$130M
March 2021$20.0M
October 2021$300M

Management

Group CEO

Jaidev Janardana

Director

Charles Birnbaum

Technical Lead

Robert Firek

Chief Innovation Officer

Didier Baclin

Chief People Officer

Helen Beurier

Chief Customer Officer

Clare Gambardella

Board Member

Peter Herbert

Head Of Data Science

Jiahang Zhong

Chief Finance Officer

Steve Hulme

Board Member

Michael Woodburn

Head of Partnerships & Business Development

Ed Massey

Chief Risk Officer

Amy Fisher

Board Member

Nick Aspinall

Co-founder & Director

Giles Andrews

Chief Technology Officer

Andrew Hawkins

Board Member

Gordon McCallum

Chief of Staff & Head of Strategy

Merve Arslan Ferrero

Board Member

Jaidev Janardana

Board Member

Christine Farnish

Chief Technology Officer

Ronen Benchetrit

Board Member

Jeppe Zink

President

Jonathan Kramer

Chief Product Officer

Andrew Lawson

Chief Risk Officer (CRO)

Graham Robinson

Board Member

Richard Goulding

Board Member

Giles Andrews

Operations Director

Caroline Mills

CEO

Natasha Wear

Board Member

Chris Jones

Board Director

Tim Levene

Press

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Some data provided by Crunchbase

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