Scroll Finance


Our story

Our story

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How it began

Scroll was founded by Ashish (Ash) and Vaibhav (VT) with one simple idea – to offer smart and flexible financing for homeowners. Ash and VT are homeowners themselves, with decades of financial services experience. They are acutely aware of the lack of flexible financing options available for homeowners at different stages in their lives and careers. As engineers and problem-solvers, they knew the status quo could be challenged. So, in April 2021, they embarked on this exciting journey together to find smarter ways of helping UK homeowners unlock their home and property wealth.‍ Since then, Scroll has grown from two people to a family and from being an idea to an actual product-led company. Today, Scroll is live in the UK with its flagship Buy-to-let Home Equity Loan product. Other products are being designed and built. Watch out world!


Meet the leadership team

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Ashish Kashyap

Founder & CEO

Ash wears multiple hats simultaneously with ease — engineer, banker, investor, and entrepreneur. Ash knows the UK’s mortgage market like the back of his hand. In the last 20 years, he has partnered with both industry giants and start-ups who have successfully changed the status quo. He has led investments in Optimum Credit (UK’s largest 2nd charge mortgage lender), Molo (UK’s first digital mortgage lender) and numerous portfolios of specialist mortgages. Outside of work he is a dutiful husband and a doting dad to his two young sons. Ash is an alum of INSEAD and the Indian Institute of Technology (IIT).

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Vaibhav Tiwari

Founder and CPO

VT champions simplicity with an obsessive focus on customer needs. With over two decades in UK's home finance space, VT understands its eccentricities. Honed across roles in product, strategy, and business development, he sees the big picture in microscopic detail. In his last corporate role, he led Digital Mortgages and Innovation at Lloyds Banking Group - UK’s largest mortgage lender. Outside of work he loves travelling with his kids and cooking. VT is an alum of Indian Institutes of Management (IIM) & Technology (IIT).

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Mark Hannay


At work, Mark becomes an operational guru, optimising and streamlining his way to organisational nirvana, built over 20 years in financial services. Prior to joining Scroll, he co-founded and scaled an FCA authorised unsecured lending operation to a run rate of 30,000+ loans a month. He has also served on the board of one of the largest alternative finance trade bodies in the UK. Outside of work he enjoys all things active, especially with his two sons. Mark is an alum of Birkbeck College, University of London and St Anne’s College, University of Oxford.

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John Webb

Head of Lending

John is a senior executive with 30+ years’ experience, and has headed second charge lending at some of the UK’s largest specialist mortgage enterprises. Most recently, John was Director of Second Charge Mortgages at Paragon Bank. He has also served as Chairman of the Finance & Leasing Association’s Secured Lenders Group for several years before joining Scroll in September 2021. Outside of work he enjoys watching all forms of sport and supporting heritage steam railways.

What our fellow Scrollians have to say


Senior Product Manager

"Working at Scroll is very exciting. It is the perfect blend of a thrilling young tech startup combined with the extensive experience, market knowledge, and vision of the founders. We have a very diverse and welcoming environment that empowers every single one of us to contribute and push ourselves out of our comfort zone to deliver smart financing solutions to homeowners and landlords.”