Our people

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David Weymouth

Board Chair

David sits on the following committees:

N

Group Nomination and Governance Committee

R

Group Remuneration and People Committee

C

Committee Chair

Tenure:

7 years 3 months

Skills, experience and qualifications:

David was appointed as Chair of OSB in September 2017. He has over 40 years’ experience across many sectors in financial services including serving as Global Chief Information Officer for Barclays Bank plc, Chief Operations Officer and Chief Risk Officer for RSA Insurance Group PLC. David has served as a Non-Executive Director on a number of Boards in the UK and US, including Chair of Fidelity Investments, Chair of Mizuho International PLC and Senior Independent Director and Chair of Risk Committee at Royal London Mutual Insurance Society.

David has a wealth of experience in operations, technology, risk management and Board level leadership.

Current external appointments:

David is Chair of Pension Insurance Corporation PLC and Pension Insurance Corporate Group Limited, and Chair of the Board Risk Committee at Marsh Limited.

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Noël Harwerth

Senior Independent Director

Noël sits on the following committees:

A

Group Audit Committee

R

Group Risk Committee

N

Group Nomination and Governance Committee

R

Group Remuneration and People Committee

Tenure:

7 years 6 months

Skills, experience and qualifications:

Noël was appointed to the Group Board and the position of Senior Independent Director in October 2019. She was appointed to the Board of CCFS in June 2017, assuming the role of Senior Independent Director from August 2017. She held several Non-Executive board roles with Sirius Minerals plc, Standard Life Aberdeen plc, RSA Insurance Group plc, GE Capital Bank Limited, Sumitomo Mitsui Banking Corporation Europe Limited, Avocet Mining plc, Alent plc, Corus Group plc, Logica plc, The London Metal Exchange, Standard Life Assurance Limited and Scotiabank Europe Limited. Noël also held a variety of senior positions with Citicorp for 15 years, latterly serving as the Chief Operating Officer of Citibank International plc. Noël has extensive experience in both the public sector (government bodies) and the private sector (global banking companies) bringing valuable insight to the Boardroom debate.

Current external appointments:

Noël is a Non-Executive Director of CAB Payment Holdings plc and Crown Agents Bank Limited. Noël was appointed as a Director of Hansard Global plc in September 2024.

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Andy Golding

Chief Executive Officer

Andy sits on the following committees:

C

Board Capital and Funding Committee

Tenure:

13 years 0 months

Skills, experience and qualifications:

Andy was appointed Chief Executive Officer of OSB in December 2011. Prior to that he was Chief Executive of Saffron Building Society for five years, and held senior positions at National Westminster Bank plc, John Charcol Limited and Bradford S Bingley plc. Andy served as a Non-Executive Director for Kreditech Holding SSL GmbH and Northamptonshire Healthcare NHS Foundation Trust. He served as a member of the Building Societies Association’s Council and the Financial Conduct Authority’s Smaller Business Practitioner Panel. Andy is a highly regarded leader with a deep understanding of banking and over 30 years’ experience in financial services.

Current external appointments:

Andy is a Director of the Building Societies Trust Limited.

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Rajan Kapoor

Independent Non-Executive Director and Whistleblowing Champion

Rajan sits on the following committees:

R

Group Risk Committee

R

Group Remuneration and People Committee

A

Group Audit Committee

M

Group Models and Ratings Committee

C

Board Capital and Funding Committee

Tenure:

8 years 3 months

Skills, experience and qualifications:

Rajan was appointed to the Group Board in February 2020 and the OSB and CCFS subsidiaries in October 2019 and September 2016 respectively. He was Financial Controller of NatWest Group (formerly Royal Bank of Scotland Group) and held a number of senior finance positions during a 28 year career. Rajan has extensive experience of financial and regulatory reporting in the UK and US with a strong background in internal financial controls, governance and compliance. Rajan is a Fellow of the Institute of Chartered Accountants and of the Chartered Institute of Bankers in Scotland.

Current external appointments:

Rajan is a Non-Executive Director of Allica Bank Limited and Revolut Newco UK Ltd.

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Sarah Hedger

Independent Non-Executive Director and People Champion

Sarah sits on the following committees:

R

Group Remuneration and People Committee

N

Group Nomination and Governance Committee

A

Group Audit Committee

Tenure:

5 years 10 months

Skills, experience and qualifications:

Sarah was appointed to the OSB Board in February 2019 and previously held leadership positions at General Electric Company (GEC) for 12 years in its Corporate, Aviation and Capital business development teams, leaving General Electric Company as Leader of Business Development and M&A for its global GE Capital division. Prior to General Electric Company, Sarah worked at Lazard & Co. Limited for 11 years, leaving as Director, Corporate Finance and also spent five years as an auditor at PricewaterhouseCoopers LLP. She served as an Independent Non-Executive Director of Balta Group NV, a Belgian company listed on Euronext, until December 2021 and as Non-Executive Director of GE Money Bank AB for three years during her time at GEC. Sarah has significant capital management and merger and acquisitions experience in financial services. Sarah qualified as a chartered accountant.

Current external appointments:

None held.

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Simon Walker

Independent Non-Executive Director and Consumer Duty Champion

Simon sits on the following committees:

R

Group Risk Committee

M

Group Models and Ratings Committee

C

Board Capital and Funding Committee

A

Group Audit Committee

Tenure:

2 years 11 months

Skills, experience and qualifications:

Simon was appointed to the Group Board in January 2022. He joined KPMG in 1980 and was made a partner of the firm in 1992, going on to lead the firm’s National Building Societies and Mortgage Practice and subsequently became banking partner in Financial Risk Management. Simon graduated in Law from University College London and is a qualified chartered accountant. Simon was previously a Non-Executive Director of IWP (Holdings) Limited and Leeds Theatre Trust Limited. Simon has significant experience in financial services and mortgages, SME lending, risk management and regulation within the banking sector.

Current external appointments:

Simon is a Non-Executive Director of H&T Group plc, the Bank of London Group Ltd and The Bureau of Investigative Journalism.

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Kal Atwal

Independent Non-Executive Director and ESG Champion

Kal sits on the following committees:

R

Group Remuneration and People Committee

Tenure:

1 years 10 months

Skills, experience and qualifications:

Kal was appointed to the Group Board on 7 February 2023. Kal has significant experience as a Non- Executive Director across FTSE 100, FTSE 250 and mutual businesses and was previously a Non-Executive Director of Admiral Financial Services Limited and WH Smith PLC. At BGL Group, Kal was Managing Director and became the Founding Managing Director of comparethemarket.com, a division of BGL. Following promotion to Group Director of BGL Limited, Kal was responsible for brand-led businesses, group strategy and corporate communications. Kal is an experienced strategy leader with international experience in start-up, scale-up, fintech and digital businesses.

Current external appointments:

Kal is a Non-Executive Director of Royal London Mutual Insurance Society Limited, Whitbread Plc and Chair of FunkyPigeon.com Limited, a subsidiary of WH Smith PLC.

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Henry Daubeney

Independent Non-Executive Director

Henry sits on the following committees:

R

Group Risk Committee

A

Group Audit Committee

M

Group Models and Ratings Committee

Tenure:

0 years 6 months

Skills, experience and qualifications:

Henry was appointed to the Group Board in July 2024. He has extensive experience in the financial services sector following a 38 year career with PricewaterhouseCoopers LLP where he was a senior audit bank partner and most recently the Global Head of Corporate Reporting Services – IFRS and Sustainability Reporting. He has also been a member of the IFRS Advisory Council and member of the Corporate Reporting Group of the Global Public Policy Committee (GPPC) and Co-Chair of the GPPC Bank Working Group. Henry has extensive experience of financial and regulatory reporting in the UK and US with a strong background in internal and financial controls, governance and compliance. Henry is a Fellow of the Institute of Chartered Accountants.

Current external appointments:

None held.

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Victoria Hyde

Chief Financial Officer

Victoria sits on the following committees:

C

Board Capital and Funding Committee

M

Group Models and Ratings Committee

Tenure:

0 years 6 months

Skills, experience and qualifications:

Victoria joined OSB Group in September 2022. Prior to joining OSB, Victoria worked at Barclays for 21 years, most recently as Finance Director of the Consumer, Cards and Payments segment. Victoria is a qualified Chartered Management Accountant and has over 25 years’ experience in finance. She has supported retail, corporate and investment banking business lines across a range of finance roles including product control, treasury finance, costs and business planning and analysis.

Victoria was appointed as Chief Financial Officer and Executive Director, joining the Board on 22 July 2024.

Current external appointments:

None held.

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Sally Jones-Evans

Non-Executive Director

Sally sits on the following committees:

R

Group Remuneration and People Committee

N

Group Nomination and Governance Committee

Tenure:

Sally was appointed to the OSB Board on 1 April 2025.

Skills, experience and qualifications:

Sally has significant financial experience gained from her executive career, as well as a proven track record as an experienced Board and Committee Chair. Sally is a Fellow of the Chartered Institute of Bankers.

Sally is a Non-Executive Director and Chair of the Audit and Risk Committee of Hafren Dyfrdwy Ltd (part of Severn Trent Group Plc), Chair of the Trustee Board of Oasis Cardiff, a charity supporting refugees and asylum seekers and Trustee of the charity Care for the Family. Prior to this, and until April 2024, Sally was the Chair of the Principality Building Society and she was also formerly a Non-Executive Director at Delio Wealth Limited, a fast growing Welsh Fintech business. Her extensive executive career was at Lloyds Banking Group where she held a wide range of roles leading customer-facing parts of the business.

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Gareth Hoskin

Senior Independent Director

Gareth sits on the following committees:

A

Group Audit Committee

R

Group Risk Committee

N

Group Nomination and Governance Committee

R

Group Remuneration and People Committee

Tenure:

Gareth was appointed to the OSB Board on 1 April 2025.

Skills, experience and qualifications:

Gareth has extensive financial experience.

Gareth is a Non-Executive Director and Chair of the Audit Committee of Saga plc and Chair of Acromas Insurance Company Limited. Prior to this, Gareth was previously Vice Chair and Senior Independent Director of Leeds Building Society. Gareth has significant experience in financial services gained during his extensive executive career at Legal & General plc, as a director and Chief Executive of the international division. Prior to this, Gareth was a chartered accountant at PricewaterhouseCoopers LLP.

All of the Non-Executive Directors are Independent.

Find out more about our Board of Directors and how they help to shape the future of the Group in our Corporate Governance section.

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Jens Bech

Group Commercial Director

Experience and qualifications:

Jens joined OSB as Chief Risk Officer in 2012, before becoming Group Commercial Director in 2014.

Jens joined from the Asset Protection Agency, an executive arm of HM Treasury, where he held the position of Chief Risk Officer. Prior to joining the Asset Protection Agency, Jens spent nearly a decade at management consultancy Oliver Wyman Limited where he advised a global portfolio of financial services firms and supervisors on strategy and risk management. Jens led Oliver Wyman Limited’s support of Iceland during the financial crisis.

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Jason Elphick

Group General Counsel and Company Secretary

Experience and qualifications:

Jason joined OSB in June 2016. He has over 25 years of legal private practice and in-house financial services experience. Jason’s private practice experience was primarily in Australia with King & Wood Mallesons and in New York with Sidley Austin LLP. He has been admitted to practice in Australia, New York and England and Wales.

Jason’s previous in-house financial services experience includes serving as Director and Head of Bank Legal at Santander UK Group. He also held various roles at National Australia Bank Limited, including General Counsel Capital and Funding, Head of Governance, Company Secretary and General Counsel Product, Regulation and Resolution.

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Jon Hall

Group Managing Director, Mortgages and Savings

Experience and qualifications:

Jon joined OSB Group in November 2021. Jon has significant experience within the financial services sector and joined the Group from Aspinall Financial Services, a pre-authorisation bank start-up, having previously led Masthaven Bank from 2016 to early 2021 as their Chief Commercial Officer and Deputy Chief Executive. Jon started his career with PricewaterhouseCoopers LLP, before joining Aviva plc and subsequently became Chief Executive of Saffron Building Society. Jon is a Fellow of the Institute of Chartered Accountants in England and Wales.

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Hasan Kazmi

Group Chief Risk Officer

Experience and qualifications:

Hasan joined OSB in September 2015 as Chief Risk Officer. He became Group Chief Risk Officer in 2021.

Hasan has over 25 years of risk experience having worked at several financial institutions, including Barclays Capital, Royal Bank of Canada and Standard Chartered Bank. Prior to joining OSB, he was a Senior Director at Deloitte LLP within the risk and regulatory practice with responsibility for leading the firm’s enterprise risk, capital, liquidity, recovery and resolution practice. Hasan graduated from the London School of Economics with a MSc in Systems Design and Analysis and a BSc in Management.

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Clive Kornitzer

Group Chief Operating Officer

Experience and qualifications:

Clive joined OSB in 2013. Clive has over 25 years of financial services experience, having worked at several financial organisations including Yorkshire Building Society, John Charcol Limited and Bradford and Bingley plc. Prior to joining OSB, Clive spent six years at Santander UK Plc where he was the Chief Operating Officer for the intermediary mortgage business. He has also held positions at the European Financial Management Association and has been the Chair of the FS Forums Retail Banking Sub-Committee. Clive is a Fellow of the Chartered Institute of Bankers and recently completed an advanced Leadership Program at INSEAD, as well as the FT Non-Executive Directors Diploma.

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Lisa Odendaal

Group Chief Internal Auditor

Experience and qualifications:

Lisa joined OSB in April 2016 from Grant Thornton, where she led outsourced internal audit functions for a variety of financial institutions, including investment banks, retail banks, and asset managers. Her career spans audit and operational roles at PricewaterhouseCoopers LLP, Morgan Stanley, HSBC, and Man Group plc, with experience gained in the UK, UAE and Switzerland. A Chartered Internal Auditor, Lisa has worked on risk management, regulatory compliance, and governance frameworks across multiple jurisdictions, supporting businesses in adapting to evolving regulatory and market demands.

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Richard Wilson

Group Chief Credit and Money Laundering Reporting Officer

Experience and qualifications:

Richard joined OSB in 2013. Prior to joining OSB, Richard was responsible for credit and collections strategy for Morgan Stanley’s origination businesses in the UK, Russia and Italy. Between 1988 and 2006, Richard held various roles at the Yorkshire Building Society.

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Orlagh Hunt

Chief People Officer

Experience and qualifications:

Orlagh joined OSB Group in September 2024. Orlagh has over 25 years’ executive experience spanning retail, FMCG and financial services. She has a breadth of experience in driving change, colleague engagement and capability building. She is a Member of the Chartered Institute of Personnel and Development.

Prior to joining us, Orlagh was the Chief People Officer at Yorkshire Building Society and brings a wealth of experience having previously worked as Head of HR for AXA Sunlife and as Group HR Director for both Royal & Sun Alliance and Allied Irish Bank.

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Debra Bailey

Interim Group Chief Information Officer

Experience and qualifications:

Debra joined OSB Group as Interim Group Chief Information Officer in January 2025. She is a business and technology leader with a breadth of experience in strategic, transformational, operational and change roles in sizeable organisations across financial services, telecommunications, logistics and the public sector.

The majority of her career has been in financial services, at the Woolwich, Barclays and Nationwide Building Society where she was an Executive Committee member with operations and operational resilience alongside technology and security responsibilities. In her last role she was Chief Information Officer and a member of the Executive Committee at Royal Mail responsible for IT strategy, operations and change, architecture and security.