Novuna Personal Finance

Novuna Personal Finance sits at a critical inflection point. The business is growing volume aggressively — new business up 8% to £2.5bn — yet group profitability is declining, margins are compressing, and the technology infrastructure underpinning 3,500+ retail partner relationships and 200,000 monthly customer service interactions remains fragmented and largely legacy. Revenue grew 12.7% but gross profit grew only 0.05%. The business is generating significantly more volume but capturing almost none of it as margin. No Salesforce footprint exists. The window to shape the architecture conversation is open now.