Fractional CIO / CTO / COO  ·  Board Adviser & NED

Board-level technology leadership, on demand.

Thirty years leading pan-European financial services, fintech and technology businesses — now advising ExCo teams and Boards on agile transformation, cloud-native re-platforming and the governed adoption of AI at scale.

Andy Smith, Founder of LUXIT
Andy Smith, LUXIT
Lean Six Sigma Master Black Belt — certified at GE Capital
Businesses and boards I've worked with

GE Capital·First Data Corp·Assurant Europe·CIT Bank Europe·Amigo Holdings·Interbridge Mortgages·Vanquis Banking Group·Market Financial Solutions·DF Capital Bank·Interbridge Group·Wessex Community Bank·Hampshire Community Bank·Hapie AI

The challenge

AI is now a Board problem, not just a technology one.

Boards and Leadership Teams are under growing pressure from owners, shareholders, employees, customers and the media to explain how AI will change the direction of their organisation, and when that change will show up in returns, jobs and market position. That pressure is too often offloaded onto the CIO or CTO alone. But Gen AI represents a generational paradigm shift across the whole business, so the strategy, the communication and the resourcing it needs have to be owned from the top down — by the Chair, the Board, the NEDs and the C-suite together. Not every Board is full of AI experts, and mapping a credible route from where you are to where you need to be, under that level of scrutiny, is daunting.

In Andy's words
I typically get engaged when leadership senses that technical debt or poor technology adoption, particularly around Gen AI, is starting to constrain growth. I work alongside your existing Senior Leadership and Board to define the goals of change, demonstrate agile ways to implement the strategy, and work through the objection handling and conflict resolution that inevitably follows while helping your senior IT executives design and architect the technology stack the strategy needs. Alongside the small number of NED and advisory positions I hold, I take on a limited number of hands-on engagements at exactly that inflection point.

— Andy Smith, Founder, LUXIT

Who this is for

Support built for the people accountable to the Board.

LUXIT works with organisations at three points of need — often all three inside the same programme.

Boards & ExCo teams

Agile Transformation Advisory

Independent, board-level oversight for organisations navigating business or technology transformation, M&A integration or regulatory change — able to advise on strategy and challenge delivery with equal credibility.

Boards and C-Suites in organisations seeking to maximise the AI opportunity

AI strategy, delivery & governance

Practical guidance on adopting agentic AI and GenAI at enterprise scale — grounded in the view that robust data foundations, focused use cases and engaged employees are the prerequisite for monetising AI.

C-Suites in public, private and PE-backed financial services firms

Fractional executive leadership

Interim and fractional CIO, CTO or COO leadership for start-up, scale-up and established financial services businesses undertaking cloud-native technology transformation.

How I help

Four ways to engage.

Fractional CIO / CTO / COO

Hands-on executive leadership of technology and operations, embedded at pace inside your organisation.

NED & Board Technology Advisory

Independent director and advisory board roles providing technology governance and investment challenge.

AI Strategy, Adoption & Governance

Agentic AI and GenAI strategy, data readiness assessment, employee engagement approaches and governance frameworks for scaling AI safely.

Business & Technology Transformation

Enterprise-wide scaled agile (SAFe®) delivery leadership for complex, multi-year transformation programmes — now extending into Scaled Agile's newly unveiled AI-Native SAFe®.

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Differentiator

A distinctive lending-technology specialism.

Across three consecutive engagements, Andy has designed, architected and delivered a full front-to-back technology stack for regulated lending businesses — each cloud-native, SaaS-based, and delivered on time and on original budget. An uncommon record for programmes of this scope.

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  • 3 consecutive front-to-back SaaS lending transformations
  • On time, on budget — across all three programmes
  • Industry-leading platform integrations: Salesforce · Mambu · Thought Machine · Zoot · MuleSoft — full-service supplier management and engagement throughout
Track record

Board positions & selected engagements.

Interbridge Group — Chairman of Technology
Wessex Community Bank — Vice-Chairman & NED
Hapie AI — Non-Executive Chairman
Non-Regulated UK property lender (MFS) Front-to-back SaaS technology ecosystem delivered in under 10 months, on time and on budget (2025).
FTSE-listed regulated financial services group (Amigo Holdings) ExCo advisory on scaled agile re-boot and cloud-native re-platforming strategy (2022).
PE-backed regulated 2nd charge mortgage lender, market entry (Interbridge Mortgages) Interim CTO — SaaS platform build and lending licence application, MVP live in under 8 months (2023).
About Andy

Strategic authority. Operational credibility.

A certified SAFe® 6 Agilist, Certified AI-Empowered SAFe® Agilist and Lean Six Sigma Master Black Belt, with a Stanford certification in AI-Driven Leadership. Andy combines board-level strategic authority with deep operational experience — equally at home setting strategy and challenging delivery.

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At a glance

  • 30 yearsPan-European financial services & technology leadership
  • 3 NED / Chairman rolesInterbridge Group, Wessex Community Bank, and Hapie AI
  • Based South East UKOpen to travel for engagements

Let's talk about your technology agenda.

A short, no-obligation conversation to establish whether LUXIT is the right fit for your Board or your transformation programme.

Arrange a conversation