About Us

Hayden Tennant

Hayden began his career in 1992 as a trainee with TL Dallas, before joining a very eclectic mix of personalities at the Sedgwick Credit Leeds office. Following Sedgwick’s acquisition by Marsh McLennan, he moved into sales, eventually leading the new business teams across the North of England, Scotland and Northern Ireland, gaining a reputation for tenacity and innovation and delivering record revenues over a number of years.

Hayden co-founded Credit Risk Solutions with Mike Clark in 2003, as a self-funded organisation with just one employee. Together, they successfully grew the business to become the UK’s largest independent specialist trade credit broker, employing 35 people across four regions, before a trade sale in 2017 brought him back into the corporate world with Xenia. After four years helping to build the company organically and via acquisitions, a mid-career break beckoned before rejoining the industry as a co-founder of Credit and Surety Brokers earlier in 2026.

Outside of work, he will often be found walking the local moors with his two golden retrievers, or at his neighbourhood gym, where he is a qualified spin instructor. Hayden enjoys most sports, particularly horse racing and Test Cricket and is a long-suffering season ticket holder at Bradford City alongside his son.

Karl Swain

Karl has over 19 years of experience in the trade credit insurance industry, having held client advisory, account management, and new business roles with leading insurers and brokers.

He spent over a decade with Marsh McLennan as a Client Advisor and SME New Business Executive in Manchester, developing extensive expertise across trade credit insurance. He then spent more than six years as Account Manager at CRS/Xenia, managing a substantial client portfolio, before joining Coface UK in 2025 as Direct Account Manager, building long-standing relationships with clients and brokers.

Outside of insurance, Karl part-owns a mobile coffee van and works on TV advert productions.

Karl enjoys football, running, reading, and listening to music.

Angela Scott

Angela has a wealth of experience. Before moving into her current role, Angela enjoyed a successful 24-year career as a lecturer, developing extensive experience in communication, people development and supporting others to achieve their potential. Having a strong background in leadership and organisational skills will help to bring a practical, organised and people-focused approach to her role. Outside of work, she enjoys keeping fit and regularly takes part in a variety of exercise classes. She also has a love of good food, good company and enjoys making the most out of life, especially with her family and friends.

Rob Potts

Rob has over 30 years of experience in the trade credit insurance and surety markets, having held senior underwriting, broking, and commercial roles with leading insurers and brokers.

He spent many years with Atradius as New Business Manager for its Birmingham branch, developing extensive expertise across trade credit insurance and surety. For more than a decade, Rob has worked in senior positions within the independent broking sector, leading Midlands teams and building long-standing relationships with both clients and insurers.

Outside of insurance, Rob and his wife, Liz, have founded and operated a fine foods delicatessen as well as their own coffee brand.

Rob enjoys hiking and exploring the countryside, with a particular passion for hill walking in Wales and the Shropshire Hills.

Matt Cox

Initially from a banking and mortgage underwriting background, Matt entered the broking credit insurance industry in 2008, training under an experienced team at Credit Risk Solutions to become an experienced Account Manager followed by a Regional Manager for Brown & Brown (formerly Xenia Broking) in the North.

Outside of work Matt can mostly be found at Valley Parade, home of Bradford City or attending a varied range of comedy and live music gigs around the country.

Wilf Roberts

Wilf has been working in the credit insurance industry for just under two years, building a solid foundation. Having started his career at Attis Credit Solutions, he is now looking forward to taking the next step and is excited to continue developing his knowledge and experience within the credit insurance industry.

Outside of work, Wilf enjoys playing football at the weekend along with running and spending time in the gym. Wilf also enjoys going out and having a few beers!