What stage does Harmoney invest at?

Harmoney invests at the Seed, Series A, Series B, Series C, Growth stages.

Where is Harmoney located?

Harmoney is headquartered in Auckland, NZ.

Harmoney

Venture debt

Auckland · Seed–Growth · 15 people tracked

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12,595 people in our graph share verified history with the Harmoney team — schools, employers, funds. One of them is your warm intro.

Trae Stephensunlockedknows Amal Dani · together at YC W22 (overlapped)

knows the team · via ANZ

×5knows the team · via GE

×5knows the team · via Bank of America

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Investment thesis

Harmoney's purpose is to help people pursue their goals through financial products that are fair, friendly and simple. As a 100% consumer-direct personal lender across Australia and New Zealand, it provides unsecured personal loans that are fast, fully online and competitively priced using risk-adjusted interest rates. Rather than relying on human assessors, Harmoney uses technology, data science and large data sets to make faster, more consistent lending decisions, aiming to remove misinterpretation and unconscious bias. About half of its ~85-person team works in engineering, data science and product, reflecting a culture centered on continuous improvement and better customer experiences.

Invests inFintech Auckland Australia New Zealand

Source: firm website, verified Aug 7, 2026.

Stage

Seed–Growth

Auckland, NZ

Instruments

Debt

Team · 15 people

from the firm's website & curated

Aditya Mehta· Co-Founder· Mumbai, Maharashtra, Indiain 𝕏

Aditya Mehta worked as a quantitative analyst at Goldman Sachs and later joined the core team at Paysense, a lending startup that was acquired by PayU. He holds a degree from IIT Bombay and has over 8 years of experience in financial services and technology.

Amal Dani· Co-Founder· Mumbai, Maharashtra, Indiain

Amal Dani is a computer science graduate from IIT Bombay who previously worked on portfolio management solutions at Goldman Sachs and developed data-driven trading strategies at a hedge fund.

Omkar Ghaisas· Co-Founder· Mumbai, Maharashtra, Indiain

Omkar Ghaisas spent eight years in corporate finance and wealth management roles before moving into business development at Harmoney.

Amanda Donaldson· Chief People Officer· New Zealandin

Over 15 years across multiple HR functions in industries from America's Cup campaigns and civil engineering to fintech, focused on building teams, culture and talent retention.

Andrew Bates· Chief Technology Officer· Auckland, Auckland, New Zealandin

Leads Harmoney's technology vision and operational support teams; over 15 years delivering large-scale IT solutions across software development, enterprise architecture and CTO roles.

Anna Cupples· Chief Digital Officer· Auckland, Auckland, New Zealandin

Has over 20 years delivering large-scale digital solutions in NZ enterprises; previously Head of Engineering at Trade Me and software development leader at Air New Zealand, with earlier roles at Orion Health and in California's tech sector.

Brad Hagstrom· Chief Operating Officer· New Zealandin

Helped launch PRF Direct and built its back-office operation, later joined Flexi-rent to create new products and channels, growing a $100m SME finance business before joining Harmoney.

Dan York· Chief Product Officer· New Zealandin

Launched NZ's first online savings product in the early 2000s and has delivered product innovation across financial services, telco and publishing; with Harmoney since 2014 leading product vision and roadmap.

Dave Nesbitt· Chief Risk Officer

Nearly 20 years in financial services, including 13 years at ASX-listed FlexiGroup where he was head of credit underwriting, with earlier roles at NRMA Finance.

David Stevens· Chief Executive Officer· Australiain

Experienced public company CEO in consumer and commercial finance across Australia and New Zealand; joined Harmoney as CEO in 2019 after leading a consumer finance startup and previously serving as CEO/CFO of Humm (formerly FlexiGroup).

Duncan Gross· Group Treasurerin

Joined Harmoney in 2013, responsible for institutional funding partnerships in NZ and Australia; previously in corporate development at Fidelity Investments and First Marblehead in Boston, with an MBA from Babson College.

Glen MacKellaig· Chief Marketing Officer· New Zealandin

Digital strategy specialist since 2005 with senior financial-services marketing roles at Westpac, ANZ and TOWER; joined Harmoney in 2014 and leads Australasian marketing focused on direct-to-consumer digital acquisition.

Marija Stulich· Head of Retention· Auckland, Auckland, New Zealandin

Leads Harmoney's customer retention strategy, bringing experience in strategic product management across the fintech and SaaS sectors.

Mike Travis· General Counsel· Auckland, Auckland, New Zealandin

Commercial lawyer with 15 years as in-house legal counsel in NZ and abroad, working with technology businesses and industries undergoing digital transformation.

Simon Ward· Chief Financial Officer· Auckland, Auckland, New Zealandin

Started as a banking and commercial lawyer at Russell McVeagh, later moved to accounting at Bank of America in London, then became CFO of a high-tech manufacturing startup owned by Oracle Team USA before joining Harmoney.

Founder mafia

3 people who came through Harmoney went on to found or lead other companies.

Aditya MehtaCo-FounderFounded InferEdge Amal DaniCo-FounderFounded InferEdge Omkar GhaisasCo-FounderFounded InferEdge

Frequently asked questions

What stage does Harmoney invest at?: Harmoney invests at the Seed, Series A, Series B, Series C, Growth stages.
What sectors does Harmoney focus on?: Harmoney focuses on Fintech.
Where is Harmoney located?: Harmoney is headquartered in Auckland, NZ.

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