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Jamie Twiss took Beforepay Group from a pre-IPO startup into a profitable ASX-listed fintech writing 40,000 loans a week with a 99% repayment rate. He explains why the company exists to destroy payday lending, how Carrington Labs is selling AI credit risk models to US lenders, and why he believes AI will fundamentally rewire the entire finance sector.
Jamie Twiss is CEO of Beforepay Group (ASX: B4P) and Carrington Labs, with over 20 years in financial services spanning McKinsey, Commonwealth Bank, and Westpac where he served as Chief Strategy Officer and Chief Data Officer. He holds a degree in Slavic Languages and Literature from Harvard and an MBA from Stanford.
• Why Beforepay exists to destroy the payday lending sector and how it charges one tenth the cost
• How the company’s AI credit risk models analyse hundreds of variables to achieve a 1.1% default rate
• Beforepay’s H1 FY26 results including $4.2 million net profit, up 50% year on year
• Why 2026 is the year of personal loans with originations up 73% quarter on quarter
• How Carrington Labs packages Beforepay’s risk IP into a SaaS product for US lenders
• Jamie’s comparison of AI to electricity and why he believes it will rewire entire sectors
• Why he backs capability over experience every time when hiring
• The culture formula of accountability, kindness and obsessive data analysis
• How studying Russian literature at Harvard prepared him for running a fintech
Jamie Twiss on LinkedIn: linkedin.com/in/james-twiss
Beforepay Group: beforepay.com.au
Beforepay Investor Hub: beforepaygroup.com/investors
Carrington Labs: carringtonlabs.com
ASX: B4P
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