Executive Committee
Peter De Caluwe
Peter drives Ezra’s global strategy and growth, bringing over 20 years of experience in fintech and payments. He specialises in building inclusive financial ecosystems and scaling businesses across emerging markets. His work spans multiple continents, championing digital transformation and expanding access to modern financial tools.
Low Yaoyang (YY)
Yaoyang is the Managing Director at Ezra, overseeing P&L, product delivery, and market execution across our portfolios. With a background in fintech innovation and financial inclusion, he drives the design and scale-up of credit products tailored for underserved communities. Yaoyang leads Ezra’s go-to-market efforts—shaping product strategy, building partnerships, and driving growth through data-driven, customer-centric solutions.
Andrew Goodrich
Andrew is the Chief Operating Officer and Chief Risk Officer at Ezra, where he leads operations and credit risk strategy across our portfolios. With over 30 years of experience in consumer finance, he brings deep expertise in designing scalable lending models anchored in robust risk management and operational discipline. Andrew is committed to executional excellence, product integrity, and expanding inclusive access to alternative consumer credit (ACC) markets.
Thierry Siminger
Thierry heads Ezra’s global partnerships, sales, and commercial strategy. With over 30 years of experience in digital identity, mobile payments, and inclusive technologies, particularly in emerging markets, he focuses on expanding Ezra’s reach through trusted partnerships and sustainable business models.
Dan Gardner
Dan leads Ezra’s financial strategy, capital markets activity, and risk management. With deep experience in global fintech, he has a strong track record in fundraising, treasury operations, and driving structured growth. At Ezra, he ensures the company remains financially resilient and well-positioned to scale.
Avidan Lamdan
Avidan leads the development of Ezra’s credit platform, integrating artificial intelligence, cloud technology, and cybersecurity. With more than 30 years in digital innovation, he has scaled technology solutions across fintech, telecommunications, and security. At Ezra, he ensures the infrastructure is secure, adaptable, and built to advance financial inclusion.
