Board of Directors

Audrey Boyd

Audrey Boyd is Chair of Microfinance Ireland with 38 years banking experience across AIB Group.

Her business experience includes senior roles in Corporate Banking, Sectoral Banking, Credit Risk, Retail & Business Banking, Head of Business & Credit Performance and Enablement for Local Markets. She also held the role of Head of Restructuring in Financial Solutions Group where she managed a lending portfolio of €10.9bn and led a team of 380 colleagues .

Audrey was previously a director of AIB Commercial Finance Limited and a Board member of the British Chamber of Commerce.

Audrey has completed a MSC (Mgmt.) Business Administration, Certified Accountancy (ACCA) and a Diploma in Industrial Engineering and is also a Qualified Financial Advisor.

Audrey has extensive experience in both customer engagement and credit assessment / decisioning across the SME sector.

Ronan Headon

Ronan worked for 36 years in financial services in a variety of roles including; lending to SMEs, marketing, finance, and general management.

From 2011, he project managed the government’s microfinance initiative and acted as Interim CEO of Microfinance Ireland until April 2013.

He is Head of Finance in Social Finance Foundation, a lender to the community and voluntary sector and parent company of Microfinance Ireland.

In 2016, he was appointed Chair of the Audit Committee in the Department of Health. He is also a director and Chairman of the Audit and Risk Committee in Oaklee Housing, an Approved Housing Body.

He holds an Honours degree in Commerce from UCD and is a Fellow of the Chartered Institute of Management Accountants and a Fellow of the Institute of Banking.

Pat Horgan

Pat Horgan is Head of SME Banking for Ulster Bank.  He leads a team of 60+ relationship bankers across 12 office locations focusing on delivering customised financial solutions to small and medium sized businesses.    Pat’s 25+ years’ experience in banking ranges from managing smaller to larger teams, across different geographies, on both sides of the balance sheet, at Retail and Corporate levels with Ulster Bank and previously with AIB.  This range of experience gives him a versatile perceptive and allows him bring significant positive influence to any situation.  Pat is a director of the Social Finance Foundation.  He holds a BA in Economics from University College Cork and a MBA from the University of Notre Dame, Indiana.

Lorraine Corcoran

Lorraine Corcoran is founder of Afanite, a business which bridges the gap between social, for-profit and public sectors, with a particular focus on personal credit inclusion and social enterprise. Prior to Afanite, Lorraine had a career in Financial Services that spanned Corporate, Retail and special projects, with roles in the areas of strategy, operations, credit and customer relationship management.

Lorraine chairs the Department of Finance Credit Union Advisory Committee and is a member of the Department of Enterprise, Trade and Employment Corporate Social Responsibility forum. She is also a founder and Director of Social Enterprise Republic of Ireland.

She is a graduate of Trinity College Dublin with a B.A. Mod in Economics and Geography (1992) and a Masters in Literature (1994). She also holds a Masters in International Relations specialising in social enterprise from Dublin City University (2012).

Mags Brennan

Mags is  a career banker with extensive experience in business banking  both in Ireland and internationally. Mags joined Permanent TSB in March 2020 as Head of Business Banking to support the banks expansion plans into the SME market. Prior to this role Mags had responsibility for National SME Sectoral Strategy and Specialism at AIB. Mags has also managed Business Banking for Cork City and County as well as having played a key role in addressing and supporting the restructuring of AIB’s lending book while based in Cork with responsibility for Munster. Prior to this Mags held multiple senior roles in AIB’s North American Business spending most of the time living and working in the US between 2002 and 2011. Mags started her career in a bank branch in Dublin city centre.

Mags is currently President of Chambers Ireland and previously was a director on the Cork Chamber board.

Mags has an MBA from DCU and has completed the Diploma in the Chartered Director program with the Institute of Directors in Ireland.

Roisin Scallan

Róisín Scallan is a founder and member of the executive team of VERTIGENIUS, a newly formed digital health company. She is driven by the opportunity for medical technologies to improve lives and has worked with start-up clients in the MedTech industry to bring innovative technology based solutions from concept to clinical implementation.  Prior to this, Róisín has experience working in the regulation of medical devices with the HPRA and has over 20 years of experience as a Chartered Physiotherapist, working in both hospitals and in private practice.

As Chairperson of the International 2018 Round Ireland Yacht Race, and on the organising team of many other local events, Róisín believes strongly in contributing as a volunteer to community enterprise.

She undertook a fellowship in BioInnovation at NUIG, holds a Masters in Bioengineering from TCD and a Post-Graduate Diploma in Biomechanics from Strathclyde. She is an invited member of the Enterprise Ireland Lifesciences MedTech panel, acts as a clinical assessor for CORU, and has been an executive member of employment and clinical interest bodies for the physiotherapy profession.

Sue O'Neill

Sue O’Neill is Managing Director of Shellcove, an Association Management Company (AMC), which she founded in 2004. and is Chair of the SFA National Council.

Sue has over twenty years’ experience in helping clients by offering bespoke marketing and management services allowing them to refocus their efforts on what’s core to their organisation. She is passionate about business development and seeking opportunities for clients through marketing and communications initiatives.  She has provided services to organisations such as Dublin City University, IBEC, Small Firms Association, Irish Medical Devices Association, The Irish Tyre Industry Association and The Vintners Federation of Ireland. She has also worked with many SMEs building their brand, their profile and winning them business.

Sue’s experience also extends to working with the academic sector in connecting both SMEs and multinational organisations to drive innovation and collaborative research. In addition, she advises and mentors start up companies.

Sue holds an MBA from Dublin City University, a Diploma in both Digital Marketing and Print Management and is a Graduate of the IMI Business Development Programme. She has previously served as a committee member of the Institute of Business Analysis & Consulting. She has been a member of the Small Firms Association since 1993 and has served on the council since 2004.

Enda Bannon

Enda Bannon is a founder and CEO of Pinemont LTD, a corporate bridging company incorporated in 2015. He is responsible for the credit function and all fund raising. He has significant lending experience in the SME sector and has overseen the rapid expansion of the business since 2015.

Enda was a joint founder partner in BMOL Partners in 1994 and has extensive experience in all levels of tax work whilst acting as the tax partner in the firm.  He has specific experience in corporate finance and has executed numerous corporate transactions including real estate transactions in Ireland the UK & Germany. He has completed a number of design and build development projects in Ireland and the UK over the years.

Enda was a joint founder of BMOL Partners in 1994 having worked in Arthur Young, Accountants from 1987-1994. Qualified as a Tax consultant in Arthur Young following which was employed in the tax department specialising in small and medium sized business enterprises, partnerships and sole traders.

Fiona Kilcullen

Fiona Kilcullen is a Principal Officer in the Department of Enterprise Trade & Employment having joined in 2000

Currently she has responsibility over the Access to Finance Unit of the EU, Digital & Access to Finance  Division.   

 Prior to joining the Department, she worked as an accountant in a number of government agencies as well as private practice. She holds an honours degree in Commerce from UCG and is a Fellow of the Institute of Chartered Accountants.