Thomas Pantin

Founder & Chief Executive Officer

Thomas Pantin is the driving force behind CrediQ, bringing over two decades of experience in consumer finance, credit systems, and retail lending. At the heart of his work is a simple but powerful belief: credit should work for people—not against them.

Having operated across the intersection of finance and retail, Thomas understands both the pressures faced by merchants and the realities customers navigate daily. This dual perspective shaped the foundation of CrediQ—building a platform that removes friction at the point of sale while giving customers structured, transparent ways to pay over time.

At CrediQ, he leads the development of a Buy Now, Pay Later ecosystem that does more than enable transactions—it drives growth. Merchants are able to increase conversion, expand basket size, and reach new customers, while customers gain access to predictable, manageable financing that fits into their lives.

Beyond CrediQ, Thomas is deeply committed to financial inclusion. Through initiatives such as FundAid, he extends his expertise to support underserved communities—reinforcing his belief that access to responsible financing can be a catalyst for real economic participation.

A builder and strategist, Thomas continues to shape CrediQ into a platform that is not only commercially effective, but meaningful in its impact across the region. His focus remains on long-term sustainability, responsible growth, and delivering value across every part of the ecosystem.

Razeem Ali

Chief Operations Officer

With a career defined by strategic leadership and a deep-rooted understanding of the Caribbean retail and credit landscape, Razeem was instrumental in the foundational design and launch of CrediQ. He brings a unique combination of financial discipline and a strong “customer-first” mindset—ensuring that systems are built not just to function, but to serve.

His experience spans regional retail and consumer finance, where he developed a clear view of how access to credit can unlock growth for businesses while empowering everyday customers. He is known for his ability to balance rigorous financial modelling with practical execution—ensuring that both performance and experience are delivered.

At CrediQ, Razeem oversees the company’s operational core, including Finance, Credit, and Regulatory Compliance. He focuses on building scalable, resilient systems that make credit accessible, transparent, and efficient—while maintaining the highest standards of governance and risk management.

His work ensures that every transaction, every approval, and every partnership contributes to a seamless experience at the checkout counter—where it matters most. Through strong operational leadership, he plays a key role in enabling CrediQ’s continued expansion and long-term stability across the region.

Clive Fletcher

Chief Technology Officer

Clive Fletcher brings over 40 years of experience in credit systems, lending models, and risk management—making him a cornerstone of CrediQ’s ability to deliver fast, reliable, and responsible financing. His career has been defined by building systems that expand access to credit while maintaining strong portfolio performance.

At CrediQ, Clive leads the design and development of the company’s credit technology, powering everything from digital onboarding to real-time decision-making and repayment tracking. His systems operate quietly but critically—ensuring customers move smoothly through checkout while strong credit controls remain firmly in place.

What distinguishes Clive is his ability to translate complex credit frameworks into practical, scalable solutions. By combining data-driven scoring, fraud prevention, and disciplined risk structures, he enables CrediQ to expand access to credit without compromising portfolio integrity.

His approach ensures that speed and simplicity for the customer are always backed by intelligence and control behind the scenes. Through continuous refinement of credit models and systems, Clive supports CrediQ’s mission to deliver a financing experience that is efficient, responsible, and built to scale across diverse markets.

Cassian Gyan

Chief Marketing Officer

Cassian Gyan brings over 30 years of experience in consumer engagement, brand development, and market growth. She understands that financial products only succeed when they are clearly understood, trusted, and seamlessly integrated into everyday life.

At CrediQ, she leads go-to-market strategy, merchant partnerships, and customer adoption—positioning Buy Now, Pay Later as more than just a payment option. Her focus is on making it a practical tool that helps merchants grow while giving customers flexible ways to manage their purchases.

By working closely with retailers, she helps turn financing into a driver of increased conversion, higher basket values, and stronger customer relationships. At the same time, she ensures that customers clearly understand how CrediQ works—building confidence, trust, and long-term engagement.

Cassian’s approach is grounded in simplicity, relevance, and impact. She is especially passionate about expanding access across underserved communities, helping more people benefit from transparent financing while supporting merchants in reaching new and growing markets. Her work plays a central role in connecting CrediQ’s platform to the people and businesses it is designed to serve.