Michael Smith

Independent Chairman

A highly experienced company director and executive, Michael was appointed Independent Non-Executive Chairman of Pioneer Credit in February 2014. In addition to his role as Managing Director of strategic marketing consultancy firm Black House, Michael is Non-Executive Chairman of 7-Eleven Stores Pty Ltd, the Lionel Samson Sadleir Group and Starbucks Australia Advisory Board. Michael is a fellow of the Australian Institute of Company Directors and in March 2014, was awarded a Doctor of Letters (Hon) from the University of Western Australia for his contribution to business and the arts. Michael’s previous roles include Deputy Chairman of Automotive Holdings Group Limited, Chairman of iiNet Limited, Synergy, Verve, Perth International Arts Festival, West Coast Eagles, Indian Pacific Limited and Scotch College.


Keith John

Managing Director

Keith has over 25 years’ experience in the financial services industry, both in Australia and in Asia, and is the founder of Pioneer Credit. He has received numerous awards, including being recognised as one of Western Australia’s most exceptional young business leaders in the WABN ‘40 Under 40’ Awards. Under his stewardship, Pioneer Credit was included in the BRW Fast 200 at number 26, an award which showcased Australia’s fastest growing businesses (2006). Keith has a strong interest in philanthropy and through his business and directorships supports numerous charitable organisations across Australia. He is also an industry leader, serving on a number of industry bodies. In addition to his role as Managing Director of Pioneer Credit, Keith is an Executive Director of Midbridge Investments Pty Ltd and a Non-Executive Director of Box International Pty Ltd, publisher of the leading Australian luxury magazine ‘Box Magazine’.


Mark Dutton

Independent Non-executive Director

Mark has served as a Non-Executive Director of Pioneer Credit since May 2010. The founder and director of Banksia Capital, Mark was previously on the Board of Mineral Resources Limited, a partner at Navis Capital and a director at Foundation Capital and at BancBoston Capital. Prior to embarking on his private equity career, Mark worked in Audit and Corporate Finance at PricewaterhouseCoopers in the UK and Russia. He is a chartered accountant and a member of the Institute of Chartered Accountants of England & Wales. Mark also holds an MA in Management Studies and Natural Sciences from the University of Cambridge.


Andrea Hall

Independent Non-executive Director

Andrea joined the Board in November 2016.  Andrea is a highly regarded professional non-executive director who currently serves on the boards of the Fremantle Dockers, Insurance Commission of Western Australia, C-Wise and Evolution Mining Limited and is a previous director of Lottery West and Tap Oil. A chartered accountant, Andrea has a Bachelor of Commerce from the University of Western Australia, and a Masters of Applied Finance from Kaplan. She is a Fellow of the Australian Institute of Chartered Accountants.  Andrea is a former KPMG Risk Consulting Partner, with over 20 years’ experience in corporate and operational governance, risk management, financial management, internal audit and external audit.

Ann Robinson

Independent Non-executive Director

Ann joined the board in February 2018. Ann’s experience includes management consulting to clients in Australia and internationally, guiding clients through strategic reviews and performance improvement projects across a variety of industries. Ann also has extensive experience in mergers & acquisitions and post-merger integration, from her roles at Wesfarmers Limited as an executive in the Business Development team. Ann has worked in commercial leadership roles in retail and industrial businesses, including as Chief Financial Officer for Wesfarmers Chemicals Energy & Fertilisers, where Ann served as an Executive Director for five years. Ann was responsible for creating a new Innovation function for that division, with a focus on outcomes-based use of technology to solve business and customer challenges, supported by cultural change and building the organisation’s capability to accelerate projects. Ann is a Graduate of the Australian Institute of Company Directors, and holds a Bachelor of Arts, Bachelor of Psychology and Graduate Diploma in Applied Finance & Investment.