John Cummins


Chief Investment Officer

John’s career spans 30 years in financial services and has included senior roles at FIIG securities, the Royal Bank of Canada, Westpac Institutional Bank, the Royal Bank of Scotland and Macquarie Bank. Prior to joining SocietyOne in January 2017, John was Head of Markets at FIIG Securities, Australia’s largest specialist fixed income provider with over $11 billion under management. John joined FIIG in December 2014 from RBC Capital Markets where he was the Head of FIC for Australia and New Zealand. Before that he was Global Head of Credit Markets at Westpac Institutional Bank while at RBS he established and ran its corporate FICC presence across Asia-Pacific. John is a graduate of Macquarie University, where he holds a Bachelor of Economics John has served on industry bodies committees at the Australian Financial Markets Association (AFMA) and as a board member at Yieldbroker, which operates established electronic markets for Australian interest rate securities and derivatives. He also sits on the Advisory Committee for ASX Thomson Reuters Charity Foundation.

Event Sessions Featuring John Cummins


The Challenges for Lenders of Optimising their Funding Model

AltFi Australasia Summit 2018 - Monday 16 April 2018

This panel looked at how alternative lenders can generate funds to lend more easily.

  • There was a consensus around the fact that consumers want ease of access and a frictionless experience. Fintech lenders operating in this space are bound by the consumer lending code, which is tighter than small business lending.
  • John Cummins and Anna Harper stressed that some funding models are more efficient for particular market segments of investors and borrowers
  • Phillippe Roger and Keith Rodwell remembered that fintechs have to be mindful of what can be profitably lent and need a know-thy-customer mindset. Here, detailed knowledge of the industry and the appropriate dedicated systems can help.