Acquisition & partnership marketing for regulated finance

Growth, done properly.

Senior, hands-on marketing leadership for lenders, card programmes and fintechs. We help you win more of the right customers, lower your cost per acquisition and keep every campaign ready for FCA scrutiny.

Start a conversation See how we help

Experience from

  • American Express
  • Barclays / Kensington
  • NewDay
  • Hotels.com
  • Post Office
  • Experian

Results, not just activity

Numbers that moved the P&L

Rosalynn has spent her career owning targets, budgets and partner relationships, so the work is judged the way your board judges it.

£100m+in lending driven through a direct-to-consumer mortgage channel she built and ran
200%increase in lead conversion from an affordability calculator she designed for a lending partner
130%uplift in co-brand credit card acquisition at American Express
80%year-on-year fall in customer attrition from a CRM programme for insurance partners

Why Teo & Ro

Growth and compliance, in the same room

Most agencies can do one or the other. In regulated finance you need both, from day one.

Compliance built in

Rosalynn started her career in marketing compliance at American Express. Campaigns are designed around Consumer Duty, financial promotions rules, GDPR and ASA guidance, so they get approved faster.

Partnerships that perform

From TotallyMoney to British Airways, Starwood and Wells Fargo, she has run the aggregator, affiliate and co-brand relationships that drive acquisition in cards, lending and FX.

Data-led, AI-aware

Testing, analytics and practical AI tools are used to cut cost per acquisition and focus spend where it converts. There are no vanity metrics.

Services

Three ways to work together

Each is fixed-scope with a fixed fee agreed upfront. Most clients start with an audit.

3 weeks · fixed fee

Acquisition Audit

An expert diagnosis of your acquisition engine, ending with a clear plan your board can back.

  • Funnel and unit economics: CPA, approval rates and drop-off points by channel
  • Channel and partner mix, including aggregators, affiliates, CRM and co-brand
  • A Consumer Duty and financial promotions health-check of live journeys
  • A prioritised 90-day growth plan with sized opportunities

6–8 weeks · fixed fee

Compliant Launch Sprint

Launch or relaunch a product, channel or partnership, from brief to go-live.

  • Proposition and messaging aligned to Consumer Duty outcomes
  • Channel plan, budget, KPIs and testing roadmap
  • Creative briefs and copy built to pass compliance review first time
  • Partner and aggregator deal structuring, then launch management

1–3 days a week · monthly

Fractional Head of Growth

Senior marketing leadership on a part-time basis, for firms not yet ready for a full-time CMO.

  • Owns acquisition strategy, budget and targets
  • Leads agencies, freelancers and in-house teams
  • Runs partner and aggregator relationships
  • Monthly reporting to the CEO and board

We advise on and draft your marketing. Final approval of financial promotions stays with your firm's authorised compliance function, as the rules require.

Who we work with

Built for regulated consumer finance

Challenger lenders

Personal loans, car finance, and second-charge and specialist mortgages.

Card & co-brand programmes

Issuers and brand partners who want better acquisition and retention.

Consumer fintechs

Series A/B teams with growth targets and no senior growth hire yet.

Insurers & MGAs

Direct and comparison-site distribution, with fair value in mind.

About Rosalynn

Rosalynn Pennington

Rosalynn has nearly 20 years' experience leading acquisition, partnership and CRM marketing in UK financial services. She has managed multi-million-pound budgets and advised at C-suite level.

She launched a co-brand credit card in the US, built a direct-to-consumer mortgage channel through the Barclays acquisition of Kensington, and ran the aggregator and affiliate relationships that put products at the top of comparison tables. She is known as a collaborative leader who builds strong relationships with partners, agencies and senior stakeholders.

  • Kensington Mortgages (Barclays)Direct-to-consumer marketing. £100m+ lending, and 30,000 customers introduced in six months through a Barclays referral journey.
  • Hotels.comLaunched the Hotels.com / Wells Fargo credit card in the US, with a $7.2m media budget and a brand playbook adopted by Wells Fargo and Visa.
  • Post Office Travel MoneyFX campaigns and partnerships with First Rate Exchange, MoneyGram and Moneycorp. Sales targets beaten by up to 18%.
  • NewDaymarbles credit card. Took it to the top of credit comparison tables through aggregator partnerships, including TotallyMoney, and beat acquisition targets by 15%.
  • ExperianB2B partnerships with Lloyds Banking Group and Aviva.
  • American ExpressCo-brand cards (British Airways, Starwood), digital insurance marketing across 13 markets, and four years in marketing compliance.
MSc, London School of Economics Business Sustainability Management, University of Cambridge AI in financial services

Our story

Why “Teo & Ro”?

Teo & Ro puts two names side by side: Rosalynn's and her son Teo's.

It's a daily reminder that behind every application form is a real household making a real decision. Good financial marketing should treat customers the way you'd want your own family treated. That is also, as it happens, what the FCA's Consumer Duty asks for.

How we work

Simple, senior and accountable

Talk

A free 45-minute conversation about your targets, channels and constraints.

Diagnose

A 3-week Acquisition Audit and a plan with the opportunities sized.

Launch

A focused sprint to put the biggest opportunity live, compliantly.

Lead

Ongoing fractional leadership to keep growth compounding.

Start a conversation

Let's talk about your growth plans

Tell us a little about your business and what you're trying to achieve. You'll hear back from Rosalynn personally, usually within one working day.

Email Rosalynn

UK-based. Working remotely and on-site.