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Not your regular credit risk company


Our team

We’re a dedicated team of credit risk specialists with a unique combination of expertise, knowledge and real world insights gathered through economic downturns and recessions as well as times of growth. 

Our mission

We provide New Zealand’s financial companies with the insights and expertise they need to make informed credit risk decisions.


Our commitment to excellence, integrity and ‘can do’ attitude is at the heart of everything we do.

How we work

We find opportunities, know what can go wrong and how to manage risk, because credit risk management is the core of our business. We strive for long-term partnerships based on trust and respect, utilising comprehensive analysis and innovative solutions to minimise our partners’ credit risk exposure and maximise financial performance.


Are you passionate about helping businesses manage credit risk and achieve financial success? Do you want to be part of a dynamic and innovative team that values collaboration, creativity and excellence? If so, Happy Prime wants you.


We are looking for talented individuals who are committed to delivering exceptional value to our clients. As part of our team you will have the opportunity to work with leading businesses in New Zealand’s finance industry and use your skills and expertise to make a real difference.

If this sounds like you, email Meurig at with your resume or a link to your updated LinkedIn profile.

Meet your partners

Our people are our biggest asset. The team in the room is the team who work on your business, applying their experience in the finance industry and understanding of New Zealand’s unique market ecosystem and credit risk landscape to support your business.


Meurig Chapman


Meurig is the founder of Happy Prime. Throughout his 20+ year career as a credit risk management and data analytics specialist, he has worked in various credit risk roles within banks and financial services companies, including technical and strategic roles, executive leadership positions, and chairmanships. He is an experienced quantitative analyst, skilled in Basel II capital modelling as well as stress testing, forecasting and IFRS 9 solutions. A recognised subject matter expert in risk, Meurig has championed innovation, transparency and competition within the financial services industry, comprehensive credit reporting and responsible lending initiatives within Australasia and is a leading driver of open banking in New Zealand.  


Ariana Lowrie

Senior Business Advisor

Ariana is a Senior Business Advisor with a passion for supporting customers to achieve their goals.  She has over 12 years’ analytics experience in New Zealand’s financial services industry, including eight years in retail credit risk management. Ariana’s expertise lies in problem solving, data-driven portfolio management and automated decisioning across the credit life cycle.

Happy_Prime_Will Kahu

Will Kahu

Senior Business Advisor

Will is a Senior Business Advisor with expertise in understanding the needs of customers and stakeholders to provide the best possible outcomes and assist companies to keep moving in the right direction. Will has over 14 years’ experience in the finance industry, spanning operations, underwriting across multiple portfolios in retail credit, process improvement and management, and risk analysis. He has worked closely with fraud and compliance units to understand suspicious activity and potential fraudulent applications and transactions. 

Happy_Prime_Mitchell McDonald

Mitchell McDonald

Senior Business Advisor

Mitch is Senior Business Advisor who believes in solving problems using a mix of data, experience and pragmatism. He has 9 years’ experience in finance and banking, bringing commercial credit underwriting, retail credit risk management and insights and process improvement experience to the team. Mitch is pursuing a MBA degree at AUT, focusing on his passion for sustainable finance. 

Why partner with us

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The team in the room is the team who work on your business, applying their specialist experience and expertise in credit risk policy and management to bring solutions to life.


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Based in New Zealand, we’re proud to focus solely on the local market. We are committed to supporting finance companies that work in our unique financial ecosystem.


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When we partner with you, we’ll tailor our approach to fit in with how you want to work, your priorities and your constraints. There’s nothing cut and paste about us.


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