Alison Harwood

Varengold Bank

Head of London Branch

Alison heads the London branch of Hamburg-based Varengold Bank, a leading financier of European fintechs, and is responsible for developing its fintech lending business across Western Europe. Widely connected within the European fintech ecosystem and the market for fintech financing, she is always on the lookout for bold and innovative new clients with customer-centric products or services that add significant value. Alison is an expert on the nuts & bolts of setting up and maintaining successful bank-fintech financing relationships and a regular speaker on podcasts and at industry events. Prior to joining Varengold in 2015, Alison worked in structured finance at Barclays Capital and as a tax / financial services regulation lawyer with Linklaters. Alison holds an LLB in Law and Spanish Law from the University of Nottingham and an LPC from the University of Law. She has passed with distinction both levels of the Chartered Alternative Investment Analyst Association’s charterholder programme.

Event Sessions Featuring Alison Harwood


Alternative Credit: Investors' views

AltFi Festival of Finance 2020 - Tuesday 10 November 2020



Mapping the P2P/crowdfunding market

The Alternative Property Forum - Tuesday 19 June 2018

  • Mark asserted that the talent pool in property lending is now ‘in the alternative space’. He also said of platforms that get pricing and risk wrong: “The speed at which they came is the speed at which they’ll go.”

  • Uma said that alternative property lenders have to adapt their position in the market based on where we are in the property cycle.

  • James said that the interest rate cycle ‘is not going back to the way it was’ and that this opens up opportunities for alternative lenders to attract investment.

  • Marek said that EstateGuru’s main value proposition is that it allows investors to build a property portfolio that is diversified by geography.

Roundtable (Breakout)

Alternative Credit ‐ Round Table Discussion

London Summit 2018 - Monday 26 March 2018

  • The 22-strong roundtable discussed various aspects of opportunities in the non-bank lending space including the opportunities in SME lending, the maturity of the market and the sustainability of some platforms' business models and the need for greater transparency.
  • Christian Gut, manager of the P2P lending Fund, said investors need to fully understand track records of managers/funds and of how loans are performing. He said it is “really hard to understand” like-for-like comparisons when platform are changing underwriting models.  “Every country and platform is doing things in different ways. The industry should decide a certain level of credit and risk that should exist across the aboard,” he said.
  • Maseco’s Matthews added that niches are well suited to alternative credit but  “you can’t throw a lot of money” at them as this would harm yields.
  • RM’s Nicholl’s said that trust in the sector could be improved by third party audits leading to more capital into the sector.
  • AltFi Data’s Fekete added that lenders are showing more and more interest in having their data assessed and compared on a like-for-like basis. That is a vital part of the maturation of the sector, he said.

Articles By Alison Harwood

Articles Featuring Alison Harwood