Opica Group provides Lenders with Australia’s only Responsible Lending Engine designed to manage and verify a consumers spending habits that enables lenders to satisfy their Responsible Lending regulatory requirements. Has been working in the Mortgage & Finance industry for over 25 years and in 2011 was recognized by the MFAA as a Fellow of the Mortgage & Finance Association of Australia. In 2001, he pioneered outsourced mortgage processing services by creating the first BPO (Business Process Outsourcing) operation for Mortgage Brokers in Australia, ultimately becoming the world’s first and only rated Loan Processing solutions provider by Standard & Poor's. After taking the reins of the Stargate Group in the early 2000’s, he was instrumental in introducing the first Mortgage Broker CRM Systems into the Australian Mortgage Landscape all while guiding it through the GFC. . In 2014, he led the Stargate business through its acquisition by the ASX listed Rubik Financial Limited (RFL) and worked through a 2 year transition as Group Executive – Mortgages. He also serves as Executive Director of business advisory firm TICH Consulting Group, & Advisor to Canadian consumer financier Lendful Canada.