Roy Armitage is Head of Credit at LendInvest. At LendInvest Roy is responsible for building out the company's risk infrastructure to ensure that robust systems and controls are in place, protecting both the business and its investors. Roy liaises closely with the company’s key stakeholders including institutions, regulators and ratings agencies. Roy brings to the company almost 40 years’ mortgage and retail financial services experience. Most recently, Roy spent 14 years at Kensington Mortgages / Investec where he specialised in risk and compliance. As Head of Risk, Compliance and Financial Crime, Roy oversaw a full rebuild of the credit risk and underwriting framework when Kensington was one of the first specialist mortgage lenders to re-enter the post-credit crisis mortgage market. Earlier in his career, Roy spent 23 years with Halifax in a number of mortgage and retail financial services roles, culminating as Area Manager for Bristol. After two years working for JP Morgan, Roy joined Kensington Mortgages who were subsequently purchased by Investec in 2007. Roy is a Fellow of the Chartered Bankers Institute (FCIB), CeMAP and CeRGI.