A strong believer in the power of people, Spencer Halil has been in Finance for 25 years and part of the BMW Group Financial Services family for over 13 of them. He has been the driving force behind significant management projects in both the UK and Australia, and as a committed relationship manager and strategic thinker, provides overall management accountability and direction as the Director of Alphera Financial Services in the UK. Under Spencer’s leadership, Alphera has grown consistently in a shrinking market where other lenders are exiting with 2019 reaching record levels and a 23% increase in volumes over the previous year. Spencer has played a significant role in implementing a transformational new business model for Financial Services across the BMW Group, as well as setting up partnerships for Alphera with Aston Martin and Rolls Royce Motor Cars. Under Spencer’s direction, Alphera has grown to be one of the most successful prime lenders in the motor sector with a reputation for thought leadership and setting the example for skills development, product excellence, customer orientation and compliance.