Ruth Spratt is the VP, UK Country Manager, and a Board Director at Affirm. In this role, she leads the company's operations and strategy in the United Kingdom.

Prior to joining Affirm, Spratt was the UK Country Manager and a Board Director at Zip Co. Her career also includes experience as a Director at Collinson Grant and as the Head of European Sales at Easyjet. She has also served as a Board Director at Itm | Institute Of Travel Management.