Howard is a Partner of Pollen Street Capital and is focused on investing in credit opportunities and financial services businesses with current responsibility for BIK and Deko as well as a number of credit investments including, Caledonian Finance, 3J Finance, Credit Step and Sancus. Howard was previously responsible for Banca Sistema and Arrow Global.Prior and assisted the Swedish credit institution Hoist Finance to enter the UK debt collecting and npl debt purchasing sector, supporting the acquisition of a number of UK companies and debt portfolios in both a structuring and operational role. Howard holds a First Class Honours degree in Mathematics from University College London.