Kate Pender

Kate Pender is CEO of Fair4All Finance, a not for profit organisation working to boost financial inclusion. In 2025 Fair4All Finance was awarded a further £132.5 to address the significant challenge of financial exclusion in the UK where over 20m people have low resilience.

Fair4All Finance is a system change organisation influencing change with research and insight; enabling transformational innovation and working to scale fair and affordable products to meet the needs of millions of customers. 

Kate is a member of HM Treasury’s Financial Inclusion Committee, chaired the Access to Credit Subcommittee and was part of the Access to Insurance Subcommittee developing Government’s Financial Inclusion Strategy. Fair4All Finance now has a key delivery role in the strategy on five major programmes across credit, insurance and financial capability. Deploying over £85m to date on financial inclusion Fair4All Finance has invested in supporting ethical providers like credit unions and Community Development Finance Institutions and in investing in direct settlement technology that enables the seamless clearing of outstanding debts in consolidation lending. Kate’s teams have also led pilots in the UK that adopt and adapt international models like the No Interest Loan Scheme and the Small Sum Lending pilot, drawn from Australia and the US respectively.