Sara Davies is a Senior Research Fellow at the Personal Finance Research Centre (University of Bristol), conducting social research on household finance policy.

Her research focuses on improving understanding of poverty, financial exclusion, over indebtedness and vulnerability, mainly from the consumer’s perspective.

Recent projects include a review of borrowing behaviour, understanding the link between gambling and problem debt, and exploring the heterogeneity of the poverty premium.

Krishan is an economist at the Resolution Foundation – an independent think-tank focused on improving living standards for those on low to middle incomes.

His work focuses on how the macroeconomy impacts living standards and inequality in the UK, and touches on wealth, housing and investment.

Prior to joining the Foundation he worked at the Financial Stability Board in Basel and in the investment management industry. Krishan has a masters degree in Economics from the LSE and an undergraduate degree in Philosophy, Politics and Economics from the University of Oxford.

Hayley is an Investment Director in the Impact Venture team at Big Society Capital.

She leads on embedding impact practice across the portfolio of BSC’s venture managers and understanding impact performance in the underlying ventures.

Previously, Hayley was a strategy consultant at EY-Parthenon, specialising in the education sector.

Rachelle's research focuses on decent and affordable housing, and fiscal and economic policy.

Rachelle previously worked as an analyst at the New Zealand Treasury, where she coordinated the Budgets, including implementing the first Wellbeing Budget in 2019.

She also worked on housing policy, focusing on social and emergency housing in New Zealand.