Meet the Leadership Team

Andrew Géczy

Andrew is heylo’s CEO. In his 30-year career, he has held leadership and CEO positions across the world with a number of international financial brands. 

Most recently, Andrew was CEO for Terra Firma Capital Partners. Before this he had served as CEO International & Institutional Banking Division at Australia New Zealand Banking Group, responsible for wholesale and retail banking in 34 countries, as well as CEO Wholesale Banking and Markets for Lloyds Banking Group. In 2005, he also established Manresa Partners, a specialist investment advisory and asset management firm.

Andrew has served on the boards of the Securities Industry and Financial Markets Association (SIFMA) and the Association for Financial Markets in Europe (AFME), as well as chairing the British Banking Association Committee on the Reformation of LIBOR. He is also one of the founders of humanitarian charity International Medical Corp UK. 

Why heylo?

I am passionate about making home ownership affordable. Through our home ownership schemes Home Reach and Your Home, we’re able to help families purchase a home they never thought they’d be able to live in.

What does home mean to you?

I have lived in many houses, however there is only one home to me – it’s wherever my family and friends come together.”

Peter Ralph

Peter is heylo’s Chief Operating Officer. He is responsible for coordinating the work of every team across heylo to ensure the successful delivery of our products to every homeowner and to our partnership clients, as well as to evaluate and enhance our services.

Prior to joining heylo, Peter has led operations teams across a number of businesses in the financial markets industry. He has established and executed projects and strategic programmes to add customer value, drive business growth and streamline internal processes.

Why heylo?

“heylo comprises a fantastic team of people committed to delivering a ‘best in class’ product in the shared ownership market. Our home ownership schemes present a truly exciting opportunity for our clients.” 

What does home mean to you?

“Home is the people inside, and everyone being content, happy and comfortable.”

Wayne Bennett
National Home Reach Director

Wayne is National Partnership Director. He leads heylo’s regional teams in identifying and meeting with new housebuilder partners across England to secure new deals for Home Reach. He also works alongside heylo’s housebuilder partners to coordinate a centralised approach to the delivery of Home Reach across their developments and regions.

Wayne has worked in the housebuilding industry since the age of 17. He joined heylo from a role as Sales Director at Bovis South West and before this, served as Sales Director and Head of Sales for major housebuilder brands including Barratt and Linden.

Why heylo?

“The housebuilding industry has been my entire career - I consider myself very lucky to work with so many developers in my current role. My heylo colleagues are as dynamic and as modern as the organisation itself, I’m always impressed by how quickly we can make decisions and diversify.”

What does home mean to you?

“Home, above all, is a sanctuary.”

Jonathan Conway
Corporate Finance Director

Jonathan is responsible for raising finance for heylo’s home ownership initiatives. He began his career in investment banking with Barclays Capital, where he worked for over 20 years specialising in real estate and structured finance. After a short stint working in private equity, Jonathan joined heylo in 2020. 

Why heylo?

heylo’s contribution to providing housing solutions and enabling more people to own a home was exciting and appealing, especially after 20 years at the ‘pointy end’ of finance! I also enjoy working for a company of this size – it is small enough to know everyone, yet large enough to embrace innovation and make waves across the industry.

What does home mean to you?

Home to me is where a dog’s tail is wagging to welcome you back, where I park my many bicycles, and where family like to sit around and not do very much at all!

Melissa Toomey
Director of Sales

Melissa leads heylo’s national sales teams to support our housebuilder partners with the successful delivery of heylo’s Home Reach solution across their developments, providing ongoing training, guidance and support until every property is sold. She is also responsible for overseeing heylo’s progression team at head office, who manage and process each Home Reach reservation through to completion. 

Melissa has been a part of the housebuilding industry for 25 years. She began her career with Peabody Housing Association, where she was a part of the core team that established and evolved Peabody’s shared ownership offering. After 14 years there, Melissa took a role at Hastoe, a national Housing Association, specialising in sales, before joining heylo four years ago. 

Why heylo?

“It is such a fantastic feeling when our customers are handed their keys to their new home, especially those who never thought they could get onto the housing ladder.  Nothing makes me – or my team – prouder than if someone says, ‘we could never have bought a home without heylo’. It inspires and motivates us to help more people!”

What does home mean to you?

“A Sunday roast with all the family. We always serve at 3.30pm, and nobody is allowed to miss it, not even for golf!”

Rajesh Khosla
Chief Risk Officer

Rajesh is heylo's Chief Risk Officer. His role is to ensure that heylo's business model is defined and robust on behalf of the Board, heylo's regulators, investors and other stakeholders, and that the company is well prepared to address and overcome risks. 

Rajesh's career as an accountant began at a small City-based consultancy firm. He held financial positions in a number of large financial services organisations before joining the Risk department at Standard Chartered Bank. Since then, Rajesh has worked in the financial services arena, achieving regulatory approval for UK, foreign-owned institutions in risk and compliance.

Why heylo?

"I saw an exciting, young organisation on the up. I wanted to be a part of it; to be instrumental in a growing organisation doing social good."

What does home mean to you?

"Home is where we all seek to get to, from wherever we are. It's a place where I am closest to my closest, a sanctuary and a refuge. It is safety, warmth, love and laughter - and good food!"

Paul Ruston
Portfolio Director PRS

Paul Ruston is Portfolio Director for the private rented sector (PRS). He is responsible for leading and expanding heylo’s single family rental sector business to provide more much-needed, high quality housing in this area.


Paul was previously Director of PRS for Grainger plc and Fund Manager for their PRS REIT joint venture with pension investor APG. During his tenure, the fund listed as a REIT on the international stock exchange and was also the Global ESG Benchmark for Real Assets’ sector leader in 2017 and 2018. Before this, Paul held roles at Lloyds Banking Group and Allsop Residential Investment Management specialising in large-scale investment portfolios for corporate and institutional investors.

Paul is a Fellow of the Institute of Residential Property Management (IRPM), a Member of the Chartered Institute of Housing (CIH) and an Associate of the Royal Institution of Chartered Surveyors (RICS).

Why heylo?

“I am excited to be a part of an incredibly experienced and collaborative team providing such innovative, market-leading housing solutions.”

What does home mean to you?

“Home is a place which means happiness, security and relaxation.”

Chloe Osborne
Head of Marketing

Chloe is responsible for marketing, communications and events across heylo. She promotes our home ownership solutions and their benefits to potential new partners across the housebuilding industry, as well as guiding and educating potential buyers on the home ownership options available to them.


Chloe’s marketing career began with an internship the Windsor Tourism Board, where she worked on the delivery of the Olympics and the Paralympics in 2012 and the production of the borough’s marketing materials. Before joining heylo, Chloe worked for a range of start-up businesses across the hospital, investment and property industries, including a role with International Group where she led on the marketing strategy and events programme for a prominent hotel and private members’ club, as well as executing the launch of a private hospital in Qingdao, China. 

Why heylo?

heylo is changing the narrative. Shared ownership has been around for many years, however the innovation and creativity of heylo’s team is reinventing this home ownership model for a whole new group of homebuyers. I also enjoy learning from our housebuilder partners – we’re all working together to always evolve and enhance the part rent  part buy tenure.

What does home mean to you?

Home is a place full of love, laughter and where you can leave your worries at the front door!

Marcos Perona
Head of Data

Marcos is heylo’s Head of Data. He is responsible for ensuring the evolution and functionality of heylo’s digital processes and customer relationship management. Marcos ensures the smooth running of our systems on a day-to-day basis, as well as leading on the development of new products and technologies that enhance the customer experience.

Marcos has worked for over ten years creating and perfecting technical processes and data management, for a number of successful start-up businesses as well as for global brands including Experian and Salesforce. 

Why heylo?

Every member of the heylo team shares the same warmth, passion and sense of duty to our customers and partners.

What does home mean to you?

In a digital world where we are always connected, and always social, home is the sanctuary away from the pressures of modern life.”