在线抵押贷款平台Trussle创始人兼首席执行官离职---据TechCrunch报道
Online mortgage broker Trussle loses founding CEO – TechCrunch
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2020-01-07 14:05
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Trussle, the online mortgage broker backed by the likes of Goldman Sachs, LocalGlobe, Finch Capital and Seedcamp, has lost its founding CEO.

曾获得高盛(Goldman Sachs)、localglobe、FichCapital和SeeCamp等公司投资的网贷平台公司Trussle,最近与其创始人兼CEO分道扬镳。 

Ishaan Malhi, who co-founded the fintech startup five years ago, has resigned with “immediate effect,” according to a rather brief press release issued by Trussle this morning.

Trussle今早一篇简要的声明表示,五年前共同创办这家金融科技公司的 Ishaan Malhi已经 “即时生效”地辞职了。

The company is now searching for Malhi's replacement and in the interim says it will be led by Chairman Simon Williams and others in the senior leadership team. “Williams will be supported by co-founder Jonathan Galore who helped establish Trussle in 2015 and remains closely involved in the business,” reads the press release.

公司目前正在寻找Malhi的继任者,在此过渡期内,董事长 Simon Williams和高管层的人员将带领公司运作。声明指出:“Williams将得到联合创始人Jonathan Galore的帮助,Jonathan在2015年帮助建立了Trussle,并仍然密切参与此中业务,”

Williams joined Trussle's board in April 2019, and has had a long stint in financial services. He spent nine years at Citigroup, heading up its International Retail Bank, and more recently served as head of HSBC's Wealth Management group until 2014.

长期在金融服务领域中工作的Williams于2019年4月加入了Trussle的董事会。他曾在花旗集团(Citigroup)任职九年,带领其国际零售银行项目,近年还在汇丰(HSBC)担任财富管理集团(H SBC)的负责人,直至2014年。

Meanwhile, the departure of Malhi seems rather abrupt, not least as he doesn't appear to be involved in the recruitment of his successor. As well as resigning from the role of CEO, the Trussle co-founder has resigned from the startup's board.

然而,Malhi的离开似乎相当突然,甚至乎没有参与继任者的招聘。在辞去首席执行官的同时,这位Trussle的联合创始人也辞去了创始董事会里的职务。

Trussle itself declined to provide further detail, with a spokesperson for the company advising that any questions with regards to why Malhi has resigned should be put to him. I pinged Malhi for comment but he declined to take my call having committed to spending the day with family.

Trussle拒绝提供进一步的详情,该公司的一位发言人表示,关于Malhi辞职原因等任何问题都应该联系他本人。我致电Malhi,但他以承诺了与家人共度这一天为由拒绝接电话。

However, he did give a statement to The Telegraph newspaper, telling reporter James Cook: “it was my decision to step down.”

但是,他给了Telegraph报社一份声明,向记者James Cook表示:“这是我的决定。“

More broadly, the story appears to be being spun as a young first-time founder growing a business to a size where more experienced leadership is needed to take it to the next stage. And it's certainly true that the company has been staffing up in recent months, growing to 120 staff members (as of late November 2019) and bolstering the leadership team.

显然,这个事例也说明了那些由年轻人首次创办的企业发展到一定规模时,需要更有经验的领导团队把它带到下一个阶段。当然,近几个月来,Trussle的人员配置也有所加大,增加到120名工作人员(截至2019年11月底),并加强了领导团队。

Along with Williams, Trussle announced in November that it had recruited ex-Wallaby Financial co-founder Todd Zino as CTO, and ex-head of Zoopla content strategy Sebastian Anthony as head of Organic Growth and Product Manager.

在宣布Williams的任职同时,Trussle宣布,已在11月聘任了前Wallaby金融联合创始人 Todd Zino担任首席技术官,以及Zoopla项目策划的前负责人Sebastian Anthony担任有机发展及产品经理。

At the time of the announcement, Malhi said in a statement that “culture remains to be our competitive advantage” — a culture that has since seen its founding CEO depart abruptly before a replacement has been found.

在离职声明中, Malhi说:“文化仍然是我们的竞争优势” ---这种文化可是让我们见识了创始人兼CEO在找到继任者前便突然辞职。

Although, as one person with inside knowledge of Malhi's departure framed it, Trussle has been attempting to diversify the startup's leadership team for a while now and make the company “less of a one-man show.”

不过,正如一位了解Malhi离职内幕的人士所言,Trussle目前正试图使公司的创始领导团队多样化,让公司 “不再是某个人的表演剧场。“

What's also clear is that the online mortgage broker space is a tough one and pretty capital-intensive due to high customer acquisition costs compared to traditional brokers where cross-selling is the norm but cost of operations is greater and less scalable. The promise of the online broker model is that once scale is achieved, lower operational costs will start to offset those higher and fiercely competitive acquisition costs.

显然,网贷平台仍是一个艰难的局面,尽管与传统贷款公司相比,网贷的客户收益率高使得放贷资本高度集中,而传统贷款公司的交叉销售虽是常态,但运营成本更大及可扩展性更差。网贷平台希望,当业务达到一定规模后,可降低运营成本以抵消更高和竞争激烈的收购成本。

In other words, a classic venture/digitisation bet, but one that is yet to pan out definitively.

换句话说,这是一次典型的冒险/数字化的赌博,去赌一个不明朗的前景。

As another reference point, one source tells me that Trussle is projected to make a £10 million loss in 2019 based on £2 million in revenue. I also understand from sources that the startup recently closed an internal funding round from existing investors — separate from its £13.6 million Series B in May 2018, and that its backers remain bullish. As always, watch this space.

另外,据消息人士透露,Trussle预计在2019年将在200万英镑的收入基础上亏损1000万英镑。他们还说,创业公司最近关闭了来自现有投资者的内部融资轮---虽然与2018年5月1360万英镑的B轮方式不同,但投资者仍然充满信心。让我们眼光放长,拭目以待。

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