Leadership

Appointed: 19 April 2023

Tenure: 1 year

Following a 30-year career in banking and finance, Peter is an extremely experienced leader, who was knighted in 2020 for his services to International Business, Skills and Inclusion. He qualified as an accountant with Coopers & Lybrand, where he later became a Partner, before joining Citigroup where he held the role of CFO for the Asia Pacific and, latterly, the Global Corporate & Investment Bank businesses. From 2008 onwards, Peter held senior roles at Barclays plc including Group Financial Controller, CFO of the Retail & Business banking division and acting Group CFO.

In 2013, Peter stood for election as an Alderman for the City of London, a role he still holds today, serving on the Digital Services, Finance and Education Committees. In 2016, he was elected Sheriff of the City and as Lord Mayor in 2018. Since 2019, Peter has pursued a plural career as a Non-Executive Director (NED). He is currently an Independent Member of the Supervisory Board of Rothschild & Co and a NED of the Institute for Apprenticeships and Technical Education (IfATE).

Appointed as CEO: 1 August 2023

Tenure: > 1 year

Career and experience

Ian is a highly experienced banking CEO. He has a strong track record of delivering growth through improving customer service and enhancing distribution throughout his extensive financial services career in consumer finance, motor finance, savings, SME finance and mortgages.

Ian was the CEO of Bank of Ireland UK from 2019 - 2023. Prior to this, Ian was Managing Director for Home Buying and Ownership at NatWest, and before joining that he was Wealth Management Director at Lloyds Banking Group.

Appointed: 1 November 2023
Tenure: >1 year

Career and experience

Dave is a highly experienced banking CFO who worked for HSBC for nearly 30 years in a variety of roles at global, regional and country level. He notably established the finance function for the UK ringfence bank of HSBC and was subsequently the UK CFO and an Executive Director of HSBC UK Bank plc from 2017 - 2021. Most recently, Dave served as CFO and Executive Director of HSBC Bank plc, which managed HSBC’s business in Europe (ex UK). Between 2015 and 2018, he was the CFO of HSBC Bank plc. Dave’s prior roles were outside of personal banking and wealth, including global CFO roles for Commercial Banking, Global Banking, Operations and Technology. Dave qualified as a Chartered Accountant with KPMG and is also a qualified treasurer.

Dave’s contribution to the Board, key strengths, skills and reasons for election:

Dave has over 35 years of financial services experience. He has a proven track record executing strategy while supporting both the business and support functions, delivering on significant challenging multi-year transformations and projects while enhancing engagement with all stakeholders.

• A highly experienced finance leader with extensive banking experience.
• A strong Treasury background with experience in challenging liquidity, funding, and capital matters, in entities with differing regulatory requirements.
• A proven track record of enhancing engagement and relationships with various External Stakeholders, including regulators.
• A strong cost management capability having led numerous cost management and reporting initiatives.
• Non-executive director experience.

Current External Appointments:

• Non-executive Director at CAF Bank.

Appointed: 31 July 2018
Tenure: 5 years

Career and experience

Angela has extensive experience in both the public and private sectors. Prior to joining the Board, Angela was CEO at Energy UK, British Bankers Association (BBA, now UK Finance) and APCIMS (now Personal Investment Management and Financial Advice Association). She was previously a Member of Parliament and Treasury Minister between 1992 and 1997 and was the Chairman of the Office of Tax Simplification from December 2015 to March 2019. Previously Angela was also a Non-Executive Director at Taylor Wimpey plc and Senior Independent Director at TP ICAP plc.

Angela's contribution to the Board, key strengths, skills and reasons for re-election

Her experience in the public sector means Angela has a strong understanding of the expectations of regulators and other public stakeholders. This combination means she is a skilled director who knows how to manage organisations and how to challenge management to deliver. Angela’s thought leadership, technical and policy skills, as well as a deep understanding of the financial sector, are demonstrated through her leadership of the repositioning of Energy UK in the energy sector and of the BBA through the banking crisis.

• Experienced Government Minister, CEO, chair and non-executive director.
• Wealth of knowledge of the financial services sector.
• Deep knowledge of regulated industries.
• Adept at solving difficult problems with effective solutions.
• Understanding of public presentation, in particular as a proficient public speaker.

Current external appointments

• Non-Executive Director at Arbuthnot Latham & Co.

• Non-Executive Director at Encore Capital Group, Inc.

• Chair at Pool Reinsurance Company Limited.

Appointed: 31 July 2018
Tenure: 5 years

Career and experience

Paul is an experienced chief financial officer, chairman, non-executive director and audit committee chair who operates in a number of different sectors. Paul’s past non‑executive director roles include chairing the audit committees of Tokio Marine, Kiln, NEST Corporation, Tesco Bank, Collins Stewart Hawkpoint, Charles Taylor Plc and GMT Global Aviation. He began his executive career in finance, working for over 20 years as a finance director of various companies, culminating in becoming Deputy Group Chief Executive and CFO of the Co-operative Group between 2003 and 2007.

Paul's contribution to the Board, key strengths, skills and reasons for re-election

Paul’s varied and wide-ranging career is built on a successful career in finance. He has a track record of creating and realising value for shareholders and has worked across a number of sectors including financial services, technology, healthcare, retail and business services, including good understanding of corporate governance. Through his non-executive roles, he has helped several management teams adapt their business models to respond to, and anticipate, changes in their competitive and regulatory environments. In both his executive and non-executive career, he has had extensive experience of transactions and ensuring that businesses have an appropriate financial structure.

• Experienced non-executive director, chairman and chief financial officer.
• Broad experience of the financial services industry and the regulatory environment.
• Strong track record in delivering good returns for shareholders.
• Extensive experience of transactions.
• Broad experience as both an executive and a non-executive of developing and challenging business strategies.
• Has helped several management teams adapt business models in anticipation of changes in their environments and markets.

Current external appointments

• Non-Executive Director of Trust Alliance Group Limited.
• Non-Executive Director of ICNH Limited (trading as DrDoctor).
• Non-Executive Director of Optalitix Limited.
• Non-Executive Director of Previsico Limited.

Appointed: 1 April 2019

Tenure: 4 years

Career and experience

Graham has held a number of senior executive roles, including responsibility for the Lloyds branch network and as Corporate Responsibility Director. Graham joined the Wonga UK board in 2016 as part of the new leadership team engaged to improve the business and deliver change. Graham sat on the Board of the Institute of Banking & Financial Services and on the Professional Standards Board. He is Senior Independent Director at One Family, a mutual life assurance business.

Graham's contribution to the Board, key strengths, skills and reasons for re-election

Graham brings to the Board extensive experience in commercial and retail banking following a 40-year career at Lloyds Banking Group and a deep understanding across various distribution channels. Graham has had demonstrable success in focusing organisations on their customers, ensuring they are at the heart of decision making and product design. Graham also has a strong appreciation of the Group’s regulatory environment.

• Extensive customer knowledge, strong customer focus and a track record of enabling and overseeing businesses to ensure that they put the customer at the heart of what they do.
• Significant stakeholder engagement experience.

Current external appointments

• Senior Independent Director at OneFamily.
• Chair of the Remuneration Committee and the Pension Trustee Board.

Appointed: 19 August 2022
Tenure: >2 years

Career and experience:

Melanie is a Senior Corporate Lawyer and formerly Head of Corporate, Group Corporate Structuring at HSBC Holdings plc, with two decades of multi-jurisdictional experience across a broad range of transactional and regulatory matters. 

Melanie achieved a First Class Honours Degree in Law at Exeter University and LPC Distinction at the University of Law. Her career started at Norton Rose Fulbright in 1988, qualifying as a solicitor in 2000. Over the next eight years, Melanie specilaised in Corporate Finance work, progressing to Of Counsel in 2007.

In 2008, Melanie transitioned to HSBC Holdings as Associate General Counsel in the group Legal Team, prioritising the group's proprietary M&A transactions and general corporate and public markets advice. Melanie progressed to become Head of Corporate, Corporate Structuring in 2013, where she led the Legal Team on the demerger of HSBC Bank plc in the UK to create HSBC's ring-fenced bank in response to the 'Too Big to Fail' regulatory agenda, as well as the legal aspects of HSBC's global recovery and resolution planning, including significant restructuring. Melanie joined Vanquis Banking Group in September 2020.

Melanie's contribution to the board, key strengths, skills and reason's for election:

Melanie's legal experience has been gained predominantly in corporate finance, M&A, public markets, and restructuring work, and providing all aspects of corporate, commercial and regulatory advice. Melanie brings extensive experience and knowledge of the financial services sector.

Appointed: 9 March2023

Tenure: 1 year

Career and experience:

Michele is a highly experienced finance professional at executive and board level. She has held senior roles at Virgin Money and MBNA Europe Bank and, prior to that, she worked across various finance functions at Goldman Sachs, Credit Lyonnais and KPMG Dublin. At Virgin Money, Michele was Director of Strategic Development, where she was responsible for establishing a credit card business on a newly built IT platform and was subsequently appointed as the Managing Director of the Virgin Money Digital Bank. Prior to that she was the Chief Financial Officer of MBNA EuropeBank between 2005 and 2013. In 2018 Michele co-founded Mololo Limited, a boutique advisory company specialising in helping companies in the payments and unsecured lending space.

Michele's contribution to the Board, key strengths, skills and reason's for election:

Michele has over 25 years’ experience of financial services and retail banking, particularly in the areas of payments and digital innovation. Michele has built significant experience in the development and growth of successful banking businesses. 

• Extensive experience of financial services and retail banking, particularly in the areas of payments and digital innovation.
• Chartered Accountant and experienced business executive and finance professional with a strong track record as a CFO and MD.
• Deep knowledge within the consumer credit, card payments and digital banking sector.
• Proven ability to build effective working relationships with key stakeholders, including regulators, investors and analysts.
• Non-executive director and chair experience.

Current external appointments:

• Executive Director and co-founder of Mololo Limited.
• Non-Executive Director of Bank of Ireland Group plc.
• Non-Executive Director with J&E Davy Unlimited.
• Non-Executive Director of East End Fair Finance Limited.

Appointed: 27 March 2024

Tenure: >1 year

Karen has been a KPMG UK and FTI Consulting EMEA Executive Committee member and senior leader and is a qualified accountant with over 30 years’ experience. Karen held many senior leadership roles at KPMG UK, including as Head of Risk Consulting and Head of Tax, Pensions and Legal Services. Throughout her career she has had a focus on financial services, governance, risk and compliance, AI, big data and technology. Karen is a NED of the Invictus Games Foundation Board, Chair of the Audit & Risk Committee and Independent Council member at Imperial College London, Strategic Adviser to Eversheds Sutherland International and a NED and Chair of the Audit & Risk Committee at Chubb Underwriting Agencies Ltd (Designate). She is also an Advisory Council Member for Elevate City, a women’s leadership network.

Appointed: 27 March 2024

Tenure: >1 year

Oliver is a highly experienced Chief Finance Officer (CFO) and non-executive director. He has extensive finance and regulatory experience in financial services and banking, manufacturing and consultancy having been CFO at Lookers plc, CFO of First Direct Bank, Director Central Finance at Lloyds Banking Group and Finance Director of Co-Op Insurance Services. Oliver was also CFO at CPP Group plc, a multi-national financial services business, from 2017 to 2021. Oliver has also held non-executive director roles with a social housing provider, the British Council, Leeds University Union and Beverley Building Society, where he is Audit Committee Chair.

Appointed: 27 March 2024

Tenure: >1 year

Jackie is a senior executive with extensive experience in large scale financial services and banking businesses, having performed roles as CEO, Chief Operating Officer, and Chief Information Officer. Jackie has non-executive experience in Mutuals and listed businesses. She joined the Bank of Ireland (BOI) in 2018 as Group Chief Operating Officer and played a key role in delivering the bank-wide IT transformation programme. Between 2018 and 2022 Jackie held the role of non-executive director of BOI (UK) Plc. Jackie also held a number of senior roles at Legal & General (L&G) including as chief executive of L&G’s mature savings business and group IT and shared services director. Between 2020 and 2022, Jackie was a non-executive director at One Family (the Family Assurance Friendly Society Ltd).