An Experienced Team Working For You

About Us


Our Management Team

We are privileged to work as a very passionate team with many, many years of experience within the finance industry. We provide end to end financial solutions and are dedicated to giving the very best service. Our team are always looking for new innovative ideas to support our clients.

Ben Mayo

Founder, Director

Ben Mayo is the founder of Express Settlements and has been instrumental in the organisations growth into the world of flexible funding solutions for professional firms and their clients. Ben is committed to changing the way firms connect with the client and other key constituencies.


Ben grew up in the family business at Mayo Hardware, a global supplier to trade, government and commercial markets. Ben completed an MBA at Bond University and developed a unique skill set, when not hands on in the business he is mentoring SME’s in the finance, gaming and hospitality and agribusiness space.


The Express Story is the next stop, his vision is to bring all that experience to lead and be part of a great team with a product, service and culture that is a simple solution and invaluable to its partner groups.


Outside of work Ben, his wife and three young boys love going camping and checking out remote parts of Australia.



Rachel Scott

Chief Executive Office

Rachel has spent her career both in Australia and the UK with 14 years experience in the finance and credit management industries. She has spent 7 years here at Australian Finance Direct Pty Ltd with the last 4 years as General Manager and now CEO, which includes the role of Responsible Manager for our Australian Credit License.


Rachel has played an instrumental role to the business over the years overcoming many challenges and gaining outstanding results from the team which has resulted in transforming the business for growth in a new diverse market.



Adam Boles

Chief Financial Officer

Adam is a partner of the Sydney office of Nexia International, a top 10 global accounting group. Working within the business advisory space, Adam’s experience span a number of industries and situations. He has functioned as the outsourced CFO of Australian Finance  Direct Pty Ltd through its successful restructure and development.

Troy Phillips


Troy is one of the pioneers of the non bank mortgage sector in Australia, his experience in banking and finance dates back to 1986, since that time he has held senior roles with Australian Mortgage Securities (BZW), BNZ (NAB), later known as HomeSide Lending.  In 2003 Troy was one of the founding partners and a director of the highly successful wholesale mortgage funding specialist MAS, he is also a Director of FirstPoint, Standard Lending and an outgoing councillor of the MFAA.


Troy has always been dedicated to delivering quality financial products that have a positive impact on people throughout their lives.  He is a firm believer in a fair go for all, in his spare time he enjoys a round of golf and watching any sport.

Ashley Phillips

Accounts Manager

Ashley has been employed with Australian Finance Direct Pty Ltd for over 7 years in various roles from Customer Service, Audit and Compliance to Accounts Manager. She has proven to be a valuable team member throughout the transition of the business.