He joins from Cynergy Bank, where he worked for six years, establishing and overseeing its development finance team.
Bowcher has worked in UK banking for more than 30 years and has experience in managing teams across various real estate lending and investment sectors at Santander, Oblix Capital, NatWest Bank and HSBC.
Mario Ioannides, partner at Pluto Finance, said: “Carl brings with him a wealth of experience and we are looking forward to his contributions here.
“We are on a strong growth trajectory and welcome Carl to the team as our seventh lending director.”
Bowcher will work closely with Pluto’s developer and investor partners to structure financing solutions.
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Bowcher (pictured) said: “Pluto Finance has built a strong reputation as one of the UK’s most responsive and relationship‑focused real estate lenders, supporting developers and investors across the residential, purpose-built student accommodation, and commercial sectors.
“It’s clear that the level of professionalism within the team is second to none and I’m delighted to be part of it.”