Professional headshot of Andy Quach

Andy Quach

UK Chief Operating Officer @ Kraken

Commercial & Product Leader | FinTech & Crypto

Commercial operator with 8+ years scaling FinTech and crypto businesses, specializing in P&L growth, 0→1 product development, and regulated operations.

About

I'm a commercial and product leader with deep experience building FinTech and crypto businesses.

Currently UK Chief Operating Officer at Kraken, where I lead commercial strategy, regulatory licensing, and product operations. Recent work includes:

  • Drove double-digit revenue growth and significant market share expansion in competitive UK market
  • Built and launched Krak (crypto neo-bank) across 160+ markets
  • Led stablecoin localization programme across 5+ currencies
  • Leading UK crypto licensing preparation (Sept 2026 gateway)

Before Kraken, I scaled YouLend (embedded lending) to 100%+ YoY growth and closed partnerships with Amazon, Stripe, and Booking.com. Started my career at Oliver Wyman leading commercial strategy for FinTech, payments, and insurance businesses.

Background: First Class Economics, University of Cambridge (King's College Scholar, top 10%)

Experience

UK Chief Operating Officer & Head of Commercial Strategy

Kraken Digital Asset Exchange

London, UK

  • P&L ownership ($200M+ revenue) with $20M+ uplift through pricing & product optimization
  • Built and launched Krak neo-bank across 160+ markets, scaling to 150k users in 6 months
  • Led stablecoin localization programme covering 5+ currencies with auto-conversion, yield, and trading pairs
  • Leading UK crypto licensing preparation and operational infrastructure implementation

Head of Commercial // General Manager, Europe

YouLend

London, UK

  • 100%+ YoY revenue growth and 60% EBITDA increase through partner expansion and unit economics improvement
  • Closed tier-1 partnerships: Amazon, Stripe, Booking.com (100% RFP win rate, grew to 40%+ of revenue)
  • Built cross-functional Growth team establishing operating cadence with Product & Credit Risk
  • Developed performance framework surfacing £10M+ in pricing and operational improvements

Manager

Oliver Wyman

London, UK

  • Led commercial turnaround for PE-backed insurer (£20M impact, built 8-person team)
  • Increased EBITDA margins by 15% for global car rental platform through new revenue strategy
  • Developed commercial strategy for PE-owned FinTech platform (£50M opportunities identified)
  • Led 10+ commercial due diligences for PE and strategic investors in FinTech/payments

Education & Volunteering

University of Cambridge

BA Economics, First Class Honours

| King's College Scholar (top 10%)

Volunteering

Governor, Bishop Vesey's Grammar School

Supporting strategic planning for top 1% UK state school

Interests

Endurance sport (Hyrox/running), travel, languages (Vietnamese)

Get in Touch