Our People

The Zagga team has over 300 years’ combined experience in credit, property and investment management.

Alan Greenstein

CEO & Co-Founder

Alan practised for a short time as a solicitor prior to embarking on a more than 30-year career in banking and finance, mostly as a C-suite executive in two publicly listed banking groups. He has worked in the UK, South Africa and Australia and has consulted widely to owner-managed businesses across strategy, technology and operations. Alan’s entrepreneurial pursuits include being co-founder of a Sydney-based family office investment advisory business and developing a home loan over the phone business for a large Australian insurer. Alan co-founded Zagga in 2016 and has held the CEO role since inception.

“Since our first loan investment in 2017, we have demonstrated to our investors the value of including CRED-type alternative investments in their investment portfolios. These investments are typically non-correlated to equity markets, can be inflation-proof, and deliver consistent and sustainable annuitized returns well above bank deposit rates without a commensurate increase in risk.”

→ Connect with Alan on LinkedIn.

Key Executives

Tom Cranfield

Risk & Execution

Tom Cranfield

Executive Director, Risk & Execution
Member, Credit Risk & Investment Risk Committees

Tom is an experienced company director, banker and property developer/investor with ten years’ experience in investment for special situations and real property via both private credit and mainstream capital markets.

→ Connect with Tom on LinkedIn.

Frank Hageali

Risk & Investments

Frank Hageali

Executive Director, Risk & Investments
Member, Credit Risk, Investment Risk & ESG Committees

Frank has been involved in the finance and property industry for 25 years. Prior to his last bank role as Senior Associate Director/Acting State Director NSW for ANZ Bank’s Corporate Property Group, Frank held senior and management positions in Corporate, Institutional and Property divisions in Australia’s major financial Institutions. Most recently he was Head of Credit at Secured Lending.

→ Connect with Frank on LinkedIn.

Steven Levy

Treasury & Funds Management

Steven Levy

Executive Director, Treasury & Funds Management
Member, Investment Risk & Credit Risk Committees

Steve has been a part of the core team since inception and comes with a high level of experience in portfolio management, investor relations and capital markets. As a Chartered Accountant (CA ANZ), Steve is a key operator of the business and member of both the Investment and Credit Committees.

→ Connect with Steven on LinkedIn.

Meet the Zagga team

Our team comprises of high calibre individuals who are professional, experienced and dedicated to the success of the business. We understand the critical importance of customer satisfaction and will put the customer experience at the forefront of everything we do, to deliver outstanding results and a seamless experience, time and time again.

Erica Geddes

Erica Geddes

Associate Director, Distribution
Ian Phun

Ian Phun

State Director, Victoria, Investments & Distribution
Jacob Nightingale

Jacob Nightingale

Associate Director, Treasury & Funds Management
Stefan Mekertichian

Stefan Mekertichian

Associate Director, Investments
Eliza Murphy

Eliza Murphy

Associate, Treasury & Funds Management
Si Ryan

Simon Ryan

Associate, Distribution

Chiara Cristina

Associate, Investor Relations

Anthony Lewis

Associate Director, Investments

Singapore Team

Alok Kochhar

Alok Kochhar

Senior Board Advisor, Singapore
Roushana Sjahsam

Roushana Sjahsam

Senior Board Advisor, ASEAN
3

Monish Vyas

Country Head, Investments & Distribution, Singapore
Michelle Mok

Michelle Mok

Senior Advisor, Private Capital, Singapore
Damian Khouri

Damian Khouri

Associate Director, Execution
Henry Abboud2

Henry Abboud

Associate Director, Credit Risk
Michael Barrington-Smith

Michael Barrington-Smith

Associate Director, Execution
Ciara Aungier

Ciara Aungier

Senior Associate, Credit
Yannick Lai

Yannick Lai

Senior Associate, Credit
James Harper

James Harper

Associate, Credit
Joannes Yosaviera

Joannes Yosaviera

Associate, Credit

Erica is a senior marketing professional with over 20 years’ experience in a diverse range of financial services’ roles covering product and relationship management, customer experience, retention, product and strategic marketing. Joining Zagga in 2016 and working alongside CEO & Co-Founder Alan Greenstein to launch Zagga to market, Erica brings extensive experience in brand, communications and marketing strategy from previous roles working with many established financial services organisations.

Erica Tsang

Director, Brand & Marketing

Leanne brings over two decades of expertise to her role as a seasoned leader in customer service, operations, and technology within the financial services sector. With a passion for team development and leveraging technology to streamline intricate processes, Leanne fosters robust partnerships to tackle challenging endeavours that might otherwise be overlooked.

Leanne Hui

Director, Client Services & Administration

Member, Compliance Committee

Simon is a qualified Chartered Accountant with 7 years’ experience working at PwC in financial services prior to joining Zagga. He has strong technical accounting skills with a curiosity for the complexities and challenges businesses face. Simon has gained an international perspective through working in foreign markets and is a relationship-centred individual with a strong work ethic.

Simon Mutch

Director, Finance, Compliance & IT
Rebecca Clare

Rebecca Clare

Senior Associate, Marketing & Business Support
Cheanda The

Cheanda The

Associate, Loan Administration
Olivia Maloney

Olivia Maloney

Associate, Client Services

Danica Baliguat

Associate, Client Services, Philippines

Aurora Bormate

Associate, Client Services, Philippines

Joyce Vivas

Associate, Finance, Philippines

Chair, Zagga Holdings Board
Member, Compliance Committee

Edwin is a lawyer with 20 years banking and litigation experience. After the GFC, Edwin worked with significant listed companies seeking to recover impaired loans requiring Court intervention, direct mortgagee sales, and sales by High Courts of New Zealand. This experience was at the forefront of the thinking behind Zagga’s organisational development.

Edwin Morrison

Director & Co-Founder

Chair, Investment Risk
Member, Credit Risk Committee

Kevin founded and self-managed his company, which, over a period of twenty years, grew into a multi-million dollar market leader. As an entrepreneur with investments in several businesses across a broad spectrum of activities, Kevin’s significant business acumen, personal skills, and knowledge are of enormous value to Zagga.

Kevin Berkowitz

Director & Co-Founder

Chair, Credit Risk
Member, ESG Committee

Marcus is the Co-Founder of Zagga NZ (formerly LendMe), which he started in 2014. He is also the Co-Founder of Zagga and is Executive Director, working closely with the CEO, especially across strategy, governance and stakeholder relations. Marcus holds a degree in BSc (Hons) & BA.

Marcus Morrison

Executive Director & Co-Founder

Michael is an experienced investor, consultant and entrepreneur, having been involved in multiple successful businesses and start-ups. Starting his own first business at 17, he ventured out to build a successful career as a stockbroker before taking up the reins as director, then subsequently CEO, of a large family enterprise. In 2008, Michael founded “Jemstep”, a ground-breaking “robo-technology” company that automated investment recommendations in the wealth management field.

Michael Blumenthal

Director & Co-Founder
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Client testimonials

Paul, Sydney
★★★★★
In my four years of investing with Zagga, there’s never been a problem. I don’t have any sleepless nights. You know exactly what your returns are going to be; they don’t dimmish. What you sign is what you get. Alternative investments like Zagga are an important addition to my investment strategy. I consider my Zagga investment part of my cash portfolio. The beauty of it is you get consistent, above market returns, and there’s flexibility in the offering. If you are looking for a long-term option, you can put your money into the fund, whereas if you know you’ll need your money in the next 6 to 12 months, you can look on the platform and find a deal that aligns with that need. It’s a bit like having a rental in a property, your rental payments are ongoing, the market can fluctuate, but that doesn’t impact your payments. With Zagga, you’re getting your returns/interest upfront, or ongoing, it’s not affected by unpredictable market events. Alan and the team’s due diligence on deals is outstanding. There is a lot of cover and security on the opportunities. I would recommend Zagga to others, and in fact I have done so many times before.
Robert, Sydney
★★★★★
Zagga offers efficiency, transparency and steady returns. My investments on the platform are property secured syndicated loans. During a time of uncertainty aggravated by Covid-19 Zagga provides stability.

I have confidence in Alan and the entire team. It’s important for me that it’s not just the online platform. At all times I have access to, and face-to-face contact with the individual team members. The team is trustworthy and reliable-essential criteria.
Derek, Sydney
★★★★★
Zagga is a true success story. I am really glad to be along on the journey with you and Zagga.

The absolute best part for me is the 0% loss.

A massive congrats to the whole Zagga team.
C & T, Mosman NSW
★★★★★
Recently, we…received phenomenal service from Steven and the team at Zagga.

All relevant information was gathered very discreetly and efficiently. Everything proceeded without a hitch and…available exactly when promised. Thank you sincerely.
Chris, Blue Crane Capital
★★★★★
Tom [and the Zagga team are] probably one of the best lenders, deal closers and credit managers in the market… [Tom] gets out on site, he knows how to talk to the client, the builder, the [subcontractors], … the planning surveyors, the evaluators…

For us, what is really important, is giving [our clients] comfort in their capital, who we're dealing with and trusting their process… and from seeing Tom in action, he's true to his word, he's very considered …

We’ve done [many] deals with Zagga in the last 6 years, so I’ve seen them in action. We see how [they get into the detail]…. I would definitely invest with them.
Rob, Hungry Jacks Mulgrave
★★★★★
Just a belated thank you to [Michael], Tom, James and the staff at Zagga for all your help with regards to my construction facility.

I must say to my surprise the financing aspect was probably the easiest part, whether from Zagga, Stamfords or CBA, everyone was very helpful and professional.

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We would like to acknowledge the Traditional Custodians of the lands, seas, and communities in which we provide our services. We would also like to pay our respects to the Elders past, present and emerging, and the continuing cultural influence they have on Australia.

Zagga Market Pty Limited (Australian Credit Licence 490904) ACN 611 662 401 acts as the Servicer of loans acting on behalf of the credit provider, Zagga Investments Pty Limited (AFSL 492354) ACN 615 154 786, trustee of the Zagga Investments Lending Trust

Additional Disclaimer

All portfolio numbers quoted correct as at 31 January 2025.

*Average investor return across the active portfolio as at 31 January 2025.

**Target return is after expenses and any applicable management fees for the year ending 30 June 2024. OCR = Australian Reserve Bank Official Cash Rate.

Past performance is not a reliable indicator of future performance and investments are subject to investment risk, fees and costs. Returns are not guaranteed.

Prospective investors wishing to invest in a Zagga direct investment or a Zagga Fund should fully consider the Information Memorandum, ZFF Fact Sheet and/or ZWF Brochure, available from Zagga, before applying to invest. Investments are subject to risks.

Articles on this website have been prepared by Zagga Investments Pty Limited (AFSL 492354) ACN 615 154 786 (Zagga) for information purposes only. It doesn’t take into account your objectives, financial situation or needs, nor is it intended as a substitute for any accounting, tax or other professional advice, consultation or service. Nothing in this article shall be construed as a solicitation to buy or sell any financial product, or to engage in or refrain from engaging in any transaction.

Past performance should not be taken as an indication or guarantee of future performance and no representation or warranty, express or implied, is made regarding future performance. Economic conditions may change.

Any analysis provided in this article is based on information obtained from sources believed to be reliable but Zagga does not make any representation or warranty that it is accurate, complete or up to date. Zagga accepts no obligation to correct or update the information or opinions in it. Any opinions expressed in this article are of the author and is subject to change without notice. Readers are reminded to exercise caution and use their own judgment when interpreting and applying the information contained in this article No member of Zagga accepts any liability whatsoever for any direct, indirect, consequential or other loss arising from any use of such information.

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EXT - Frank hageali

Frank Hageali

Director, Investments
LinkedIn

Frank oversees Credit. He has been involved in the finance and property industry for 25 years. He is a Certified Funds Manager, Property Valuer and a Fellow of the Australasian Institute of Banking & Finance and Governance Institute of Australia.

Prior to his last bank role as Senior Associate Director/Acting State Director NSW for ANZ Bank’s Corporate Property Group, Frank held senior and management positions in Corporate, Institutional and Property divisions in Australia’s major financial Institutions.

Frank has completed several development projects in his own right in various capacities including financier, developer, superintendent and advisor.

  • Member:
  • Zagga Credit Oversight Committee
  • Zagga ESG Committee