About us

Previously, Charlie was Managing Director and head of EMEA technology investment banking and global head of renewable energy investment banking at Deutsche Bank, advising the full breadth of technology and renewable energy businesses on M&A, equity and financing transactions.

Charlie is passionate about property and outside Houseful is an active property developer and investor. He is the proud father of three children and loves skiing, cooking, keeping fit and travelling.

Rory joined Houseful in 2019 as a member of the Strategy team. He has held a number of roles within Houseful since then, most recently as Commercial Operations Director before taking the role of Chief Operating Officer for the Data & Risk business unit in 2023.

He has been responsible for developing the strategy for the Data & Risk business unit, to transform the business from an Automated Valuation Model (AVM) provider into a broader valuation and mortgage risk platform. He also led the acquisition and integration of the Mortgage Lending Solutions business from EDM in 2020 and 2021.

Prior to joining Houseful, Rory worked as a management consultant at the Boston Consulting Group and PwC. In these roles he advised corporate and private equity clients on strategy, M&A and operations across multiple industries and geographies.

Rory has a BA in Philosophy, Politics and Economics from the University of Oxford and an MSc in African Politics from SOAS. Outside of work, he has a keen interest in keeping active through hiking, swimming, running and cycling. He’s also a sports fan, supporting Scotland in rugby and football, as well as Arsenal FC.

He has specialised across the full spectrum of data analytics and data science, including portfolio risk analysis, house price index development, real estate market research and predictive modelling. In his tenure at Hometrack he has led the analytics, data science and product teams, establishing key cornerstones of today’s mortgage decisioning processes at both front and back books, including the optimisation engine framework for driving automation potential, orchestrating the development of Hometrack’s AVM model to ensure its status as the most accurate, robust, and resilient model in the UK for 15 years, designing and productionising the Hometrack climate change product and designing and implementing the newest valuation capability in the UK – Digital Valuer. In his current role as Director of Analytics and Innovation, Theo continues to be responsible for all data and analytical elements of the Hometrack business whilst also collaborating with product and commercial leadership to drive the overall business strategy and success.

Theo sits on the board of the European AVM Alliance, an organisation of automated valuation experts across Europe combining to establish best practices for AVMs in Europe and globally.

Sarah joined Houseful from Starling Bank where, as Product director and member of the executive team, she led the product strategy, delivery and launch of the bank’s mobile current account including identity verification, credit and affordability checks.

Having been at the forefront of using technology to innovate and create competition in the banking sector she was excited to join Houseful brand Hometrack in February 2023. Here, she leads a team digitising the mortgage process and delivering intelligent property risk decisioning for lenders and businesses that serve, manage and invest in the residential property industry, advocating for a product mindset to improve reliability, regularity, speed and effectiveness of product development.

Since joining, Sarah has led product teams to the Zoopla user base and contributed to the modernisation of its product development practices and technology. Having been at the forefront of using technology to innovate and create competition in the banking sector she was excited to join another Houseful brand, Hometrack in February 2023. Here, she leads a team digitising the mortgage process and delivering intelligent property risk decisioning for lenders and businesses that serve, manage and invest in the residential property industry, advocating for a product mindset to improve reliability, regularity, speed and effectiveness of product development.

Since joining Hometrack in February 2023, Sarah has led a combined financial services and data services organisation and instilled a product mindset. Sarah joined Houseful from Starling Bank where, as Product director and member of the executive team, she led the product strategy, delivery and launch of the bank’s mobile only current account, and before Starling Bank, worked in a product and business development positions in a variety of businesses building products for brands such as Google, Virgin, UBS and Sainsbury’s.

She lives in London with her husband, and their children, and spends much of her free time doing up their Victorian house or out in the garden and local parks of which there are many.

Graeme’s career started at American Express and Experian, before moving into management consultancy, working predominantly in credit risk transformation. During the dot.com boom he helped launch an internet-technology consultancy that was subsequently acquired by a global provider of financial crime software. He then worked as an independent transformation director for over fourteen years, mainly at retail and commercial banks. He worked at Lloyds Bank in fraud management roles during the merger with HBOS and the subsequent separation of TSB. He spent two periods at Barclays Bank initially working on the sale of a European business unit and then returning to automate the UK banks risk controls. He supported the separation of WorldPay from RBS and the later re-entry of the bank into payment acquiring through the launch of Tyl by NatWest. Graeme also spent four years at HSBC leading the transformation team tasked with automating the commercial lending operation across 30+ countries.

Graeme joined Hometrack initially to lead the Pre-sales team, which works closely with clients to understand how the adoption of Hometrack solutions generate business benefits to lenders and consumers. His role has since expanded to cover a wider responsibility for Commercial Strategy, ensuring Hometrack’s market propositions remain relevant and attractive to our target clients.

Graeme has BA Hons in Law and Business Administration from the University of Strathclyde, an MBA from Edinburgh Business School and a DipM from the Institute of Marketing.

Ross joined Hometrack in 2015 and has been dedicated to supporting our non-lender customers since. Having brought our portfolio for non-lender customers, broker AVM and other products to market he has led in the development of new partnerships and markets for the business, as well as supporting customer retention and growth.

Ross recently led the launch of our new Data Services division which is focused on delivering housing market intelligence and data & insight to drive customer acquisition, retention and engagement across the property ecosystem.  His role also extends to supporting our brands across the wider group with data and insight requirements for their customers.

Prior to joining Hometrack Ross has 12 years working in the third sector, developing and delivering support services and housing for those with challenging and complex needs.

Outside of his role at Hometrack Ross sits holds a non-exec director role on the board of a group of companies in Europe, delivering valuation services, including AVM’s to Mortgage Lenders, and others, as well as infrastructure planning services.

In his free time Ross enjoys cooking, in particular BBQ, hiking, camping, playing guitar and spending time travelling with his family.

Georgina joined Hometrack in 2015, and over the years has been involved in countless client implementations and change programmes, leading requirements gathering and managing complex projects and roll outs.More recently she has led the transformation and professionalisation of Hometrack’s Delivery function.

Georgina’s career was established in financial report data exchanges worklng with the european insurance regulator (EIOPA) and in procurement spend analysis software.

She has a degree in Chemistry with Computer Science from the University of Southampton. Outside of work Georgina spends her spare time exploring London, trying out new restaurants and bars, learning Spanish and staying fit and healthy.

Elwood joined Houseful in 2021 as Director of Engineering.

He has held a number of roles since then, including leading the Zoopla search and listings Engineering teams. He joined Hometrack/Data and Risk mid 2022, where he’s been focused on introducing modern Consumer development practices into Hometrack, including DevOps, DevSecOps, and various Operational Excellence initiatives.

Prior to joining Houseful, he worked as a senior Engineering manager in big tech companies, for nearly a decade – including Alexa Shopping at Amazon, and ecommerce at Microsoft.

He has a degree in Computer Science and AI from the University of Sussex.