Kesh Byroo
Financial Services Director (New Markets Ways to Pay) @EE
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WORK HISTORY
Financial Services Director (New Markets Ways to Pay) @EE
London, GB
Leading Financial Services across BT/EE Consumer, spanning Ways to Pay (FlexPay, device finance, affordability & eligibility), Insurance & Protection, and emerging New Markets propositions.Accountable for setting the FS strategy, operating model and delivery roadmap, ensuring strong customer outcomes, regulatory compliance (Consumer Duty) and sustainable commercial growth.Working closely with Consumer ExCo, Product, Digital, Finance, Risk & Operations to- Scale and evolve FlexPay & device financing across retail, digital and contact centre- Build a joined-up FS platform (eligibility, affordability, partner reuse) to enable Marketplace and future propositions- Embed conduct, controls and governance as a first-line capability, not a compliance overlay- Develop new partnerships across insurance, protection, security and adjacent servicesFocused on moving FS from product-by-product delivery to a coherent, platform-led capability aligned to BT’s medium-term growth ambitions.
EDUCATION
Raisethorpe Secondary School
Computers
Technical College South Africa
Diploma in Computer Management
SKILLS
ABOUT KESH BYROO
I’m a Financial Services Director with 20+ years’ experience leading complex transformation across technology, product and regulated services in large consumer organisations — with a career rooted in delivery that lands.I currently lead Financial Services across BT / EE Consumer, spanning Ways to Pay (device finance, affordability & eligibility), Insurance & Protection, and emerging New Markets. I’m accountable for FS strategy, operating model, governance and delivery — balancing commercial growth, customer outcomes and regulatory confidence.My leadership style combines executive ownership with deep delivery fluency. I translate strategy into prioritised roadmaps, scalable platforms and governed execution across Product, Digital, Finance, Risk and Operations.Previously, I led major transformations for UK brands including Currys (FlexPay with BNP Paribas Personal Finance), Sainsbury’s, and Three UK (£123m PAYG modernisation) — building the delivery discipline that underpins my executive approach today.My focus now is evolving Financial Services from standalone products into coherent, platform-led capabilities, embedding Consumer Duty as a first-line discipline and enabling sustainable, repeatable growth.
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