Fred Alam - General Manager
Fred Alam is a respected professional in the financial services industry, boasting a career spanning more than three decades with roles in leadership and significant achievements. His journey began at the State Bank of NSW, where his final role was Area Sales Manager. He was there for 12 years. During this time, Fred's leadership and sales expertise were instrumental in driving the bank's success and growth.
In January 2001, Fred took on the role of Director of Sales at Resimac, a leading financial services company. His eight-year tenure there was marked by strategic leadership and the successful implementation of sales strategies that substantially boosted the company's market presence and profitability.
Fred then moved to Your Loan Zone, where he held the position of Sales Manager from January 2009 to May 2011. In this role, he continued to refine his skills in sales management, client relations, and team leadership, ensuring the delivery of high-quality financial solutions to clients.
The pinnacle of his career has been his role as a RAMS Franchisee, which he held from May 2011 to September 2023. Over these 12 years, Fred's tenure as a leading franchisee has been characterised by outstanding sales performance, exceptional customer service, and the cultivation of a strong, client-focused team. His leadership and business acumen have established his franchise as a standout performer in the RAMS network, showcasing his commitment to excellence and deep understanding of the mortgage and financial services industry. He served on the Franchise Advisory Council for 10 years, having two terms as Chairman.
Fred's career reflects his dedication, strategic thinking, and ability to adapt and excel in the ever-changing landscape of financial services
About FinSecure
FinSecure are a team of senior mortgage and credit specialists with an in-depth understanding of the challenges facing the self-employed. Our customised loan solutions can help you secure the finances you need, whether you’re looking to refinance, consolidate debts, make a new purchase, or gain access to cash.
Matt Fernihough - Executive Officer
Matthew Fernihough is a highly experienced finance professional, known for his expertise in mortgage consulting and business management. His career in the financial sector began in 2011 as the Director at Mayfair Loans Pty Ltd, where he demonstrated exceptional skill in navigating the complexities of mortgage lending. Matthew's role involved a comprehensive assessment of clients' financial situations, ensuring the identification of the most suitable lending options. His keen ability to evaluate risk levels and assess loan serviceability highlights his thorough understanding of the financial landscape.
Matthew’s early career was marked by hands-on experience in various aspects of small business management. He developed a keen sense of the critical factors that drive small business success, including effective staff supervision, astute financial management, and customer-focused service. This experience honed his ability to navigate the complexities unique to small businesses, setting the stage for his later achievements in the financial sector.
Matthew's career is marked by a consistent dedication to professional development and a deep commitment to providing top-tier financial services. His journey from managing a family business to establishing himself as a reputable figure in the finance industry underscores his adaptability, strategic thinking, and client-focused approach.
As a seasoned professional, Matthew Fernihough continues to make significant contributions to the financial services sector, leveraging his extensive experience and knowledge to deliver exceptional outcomes for his clients and stakeholders.
Nirmal Edirisinghe - Executive Officer
Nirmal Edirisinghe is a seasoned professional in the financial services sector, with a career that showcases a diverse range of expertise and roles. His journey began in the field of accounting, where he spent four years developing a strong foundation in financial analysis and management. This experience was instrumental in preparing him for his next role as a Mortgage Consultant. Over three years, Nirmal demonstrated a deep understanding of mortgage products and a keen ability to address client needs effectively.
His career took a significant leap forward when he joined RAMS as a Home Loan Manager. During his year-long tenure, Nirmal's strategic thinking and leadership skills made a notable impact on the business.
The most noteworthy phase of his career was his eight years as a Franchise Principal with RAMS. In this role, Nirmal's leadership and operational skills were key to driving his team to become one of the most successful in the RAMS network. His approach combined strategic foresight with practical execution, setting high standards in franchise management.
Now part of the FinSecure team, Nirmal continues to leverage his extensive experience and proven track record in the financial services industry. His career is marked by continuous growth, financial expertise, and a commitment to achieving excellence in every role he has undertaken.
Kristy Alam - Founding Member
As a founding member of FinSecure, Kristy Alam has dedicated over 25 years to the financial services industry, specialising in credit, finance, and mortgages. Kristy’s journey began with a focus on credit operations and lending, where she established a new origination arm for a wholesale lender and gained invaluable experience in the sector.
Kristy’s entrepreneurial spirit led her to a 14+ year tenure as a lending business owner, during which she managed a white label offering, held an Australian Credit Licence, and served as a franchisee for RAMS Financial Group. This diverse experience has given her a profound understanding of the mortgage landscape, from its complexities to its potential for innovation.
At FinSecure, Kristy identified and addressed a crucial market gap: the need for financial solutions tailored to Australia's self-employed. This vision has been the driving force behind FinSecure's commitment to simplifying access to finance for the self-employed community.
Today, her role at FinSecure has evolved to being a founding member and strategic advisor, and her commitment remains steadfast. As a strategic advisor, she continues to guide the company's growth and innovation, ensuring it stays at the forefront of industry developments. Her role as a spokesperson for FinSecure and the wider industry reflects her ongoing dedication to influencing the future of financial services in Australia.
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