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    Harry Bartlett

    Research Analyst at Rothschild & Co Redburn

    Harry Bartlett is an Equity Research Analyst at Rothschild & Co Redburn, where he specializes in fintech and emerging finance companies, including direct coverage of SoFi Technologies. Since joining Redburn in April 2023 following a prior role as Equity Research Analyst at Credit Suisse, Bartlett has delivered market insights such as a well-documented initiation on SoFi with a Neutral rating and a $20.50 price target. His career began in 2016 at HSBC as a Portfolio Manager, followed by progressively senior audit and advisory roles at KPMG UK, culminating in Assistant Manager, Deal Advisory, before entering equity research. Bartlett holds the ACA (Associate Chartered Accountant) qualification from the ICAEW and an undergraduate degree in Economics from Cardiff University.

    Harry Bartlett's questions to Affirm Holdings (AFRM) leadership

    Harry Bartlett's questions to Affirm Holdings (AFRM) leadership • Q4 2025

    Question

    Harry Bartlett from Rothschild & Co Redburn asked about the pace of international expansion beyond the UK and whether the go-to-market strategy would differ in new regions with lower brand awareness.

    Answer

    Founder & CEO Max Levchin explained that while the tech platform is reusable, local regulations and licensing require dedicated effort for each new market. He stated the strategy is to expand with existing multinational merchant partners and co-market with them, rather than making large direct investments in brand awareness.

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