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Michael Hoare has accumulated extensive work experience in the finance industry, holding roles such as Chief Risk Officer at Fluro, Chief Risk Officer at Kriya (formerly MarketFinance), Chief Credit Officer at Metro Bank (UK), Chief Credit Officer at RateSetter, and Chief Credit Officer EMEA at PayPal. Prior to these roles, they held positions at Capital One, Molson Coors (UK) Ltd, and PricewaterhouseCoopers. Throughout their career, they have demonstrated expertise in credit risk management, portfolio management, and risk analytics.

Michael Hoare completed their BSc in Economics at the University of Nottingham from 1996 to 1999. Following this, they pursued their ACA qualification in Accountancy at ICAEW from 1999 to 2002.