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Group Nomination and Governance Committee
Group Remuneration and People Committee
Board Capital and Funding Committee
Chair of the Board Capital and Funding and Group Nomination and Governance Committees; a member of the Group Remuneration and People Committee.
David was appointed to the OSB Board as Chairman in September 2017 and held the position until October 2019 when OSB combined with CCFS. He was reappointed as Chairman in February 2020.
David is also Chairman of Pension Insurance Corporation plc and Marsh Limited where he is Chair of the Risk Committee. David previously served as Chairman and non-executive director of Mizuho International Plc (where he also Chaired the Remuneration Committee) and as non-executive director on the board of Bank of Ireland (UK) plc, Fidelity International Holdings (UK) Limited and the Royal London Mutual Insurance Society. David was previously Chief Information Officer at Barclays Bank plc and Chief Risk Officer at RSA Insurance Group plc. He sat on the Executive Committee of both companies. His experience as an executive includes a wide range of senior roles in operations, technology, risk and leadership.
David has over 40 years’ experience in the financial services industry and has a degree in Modern Languages from University College London and a MBA from the University of Exeter.
Group Audit Committee
Group Risk Committee
Group Nomination and Governance Committee
Group Remuneration and People Committee
Member of the Group Audit, Group Nomination and Governance, Group Remuneration and People and Group Risk Committees.
Noël was appointed to the OSB Board and the position of Senior Independent Director in October 2019.
Noël was appointed to the Board of CCFS in June 2017 and was its Senior Independent Director from August 2017. Noël is a non-executive director Scotiabank Europe plc. She is also a member of the UK Export Finance Board. She is a former non-executive director of Sirius Minerals plc, Standard Life Aberdeen plc and RSA Insurance Group plc, prior to which she held a variety of senior roles with Citicorp for 15 years, latterly serving as the Chief Operating Officer of Citibank International plc. Noël has held non-executive roles with GE Capital Bank Limited, Sumitomo Mitsui Banking Corporation Europe Limited, Avocet Mining plc, Alent plc, Corus Group plc, Logica plc, The London Metal Exchange and Standard Life Assurance Limited.
Noël has extensive experience in both the public sector with government bodies and the private sector with global banking companies.
Board Capital and Funding Committee
Member of the Board Capital and Funding Committee.
Andy was appointed to the OSB Board in December 2011.
Prior to joining OSB, Andy was CEO of Saffron Building Society, where he had been from 2004. Prior to that, he held senior positions at National Westminster Bank plc, John Charcol Limited and Bradford & Bingley plc. Andy served as a non-executive director for Kreditech Holding SSL GmbH and Northamptonshire Healthcare NHS Foundation Trust. Andy is a director of the Building Societies Trust Limited. He served as a member of the Building Societies Association’s Council and the Financial Conduct Authority’s Smaller Business Practitioner Panel.
Andy has over 30 years’ experience in financial services.
Group Risk Committee
Group Remuneration and People Committee
Group Audit Committee
Group Models and Ratings Committee
Board Capital and Funding Committee
Chair of the Group Audit Committee and member of the Board Capital and Funding, Group Remuneration and People, Group Risk and Group Models and Ratings Committees.
Rajan was appointed to the OSB Board in October 2019.
Rajan was appointed to the Board of CCFS in September 2016 and is a non-executive director of Allica Bank and Revolut Newco (NatWest Group) UK Ltd. He was Financial Controller of the Royal Bank of Scotland (RBS) Group plc and held a number of senior finance positions during a 28-year career with RBS.
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.
Rajan is a Fellow of the Institute of Chartered Accountants and of the Chartered Institute of Bankers in Scotland.
Group Remuneration and People Committee
Group Nomination and Governance Committee
Group Audit Committee
Chair of the Group Remuneration and People Committee and member of the Group Nomination and Governance and Group Audit Committees. Designated Non-Executive Director for employee engagement.
Sarah was appointed to the OSB Board in February 2019.
Sarah previously held leadership positions at General Electric Company (GEC) for 12 years in its Corporate, Aviation and Capital business development teams, leaving General Electric 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 (PwC). She served as an Independent non-executive director of Balta Group NV, a Belgian company listed on Euronext, until December 2021 and as a non-executive director of GE Money Bank AB for 3 years during her time at GEC.
Sarah has significant capital management and merger and acquisitions experience in financial services. She is a qualified chartered accountant.
Group Risk Committee
Group Models and Ratings Committee
Board Capital and Funding Committee
Group Audit Committee
Chair of the Group Risk and Group Models and Ratings Committees and a member of the Board Capital and Funding and Group Audit Committees.
Simon was appointed to the Board on 4 January 2022.
Simon has significant experience in financial services. 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 is a non-executive director of H&T Group plc and IWP (Holdings) Limited and was previously a non-executive director of Leeds Trust Limited.
Simon has significant experience in mortgages, SME lending, risk management and regulation within the banking sector.
Group Remuneration and People Committee
Member of the Group Remuneration and People Committee. ESG Champion.
Kal was appointed to the Board on 7 February 2023.
Kal has significant experience as a non-executive director across FTSE 100, FTSE 250 and mutual businesses and is a non-executive director of Admiral Financial Services, Whitbread Plc 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.
Group Risk Committee
Group Audit Committee
Group Models and Ratings Committee
Member of the Group Audit, Group Risk and Group Models and Ratings Committees. Chair of Audit Committee for Charter Court Financial Services Limited.
Henry was appointed to the Board on 1 July 2024.
Henry has extensive experience in the financial services sector following a 38 year career with PwC 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.
Board Capital and Funding Committee
Group Models and Ratings Committee
Member of the Board Capital and Funding and the Group Models and Ratings Committees.
Victoria was appointed to the OSB Board in July 2024.
Victoria joined OSB 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. 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 is a qualified Chartered Management Accountant and had over 25 years experience in finance.
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.
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.
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 has previous in-house financial services experience as Director and Head of Bank Legal at Santander Group in London. Prior to this, he 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.
Jon joined OSB 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 Officer (CEO). Jon started his career with PwC, before joining Aviva plc and subsequently became CEO of Saffron Building Society.
Jon is a Fellow of the Institute of Chartered Accountants in England and Wales.
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.
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 Group 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.
Lisa joined OSB in April 2016. Prior to joining OSB, she worked for Grant Thornton LLP where she was an Associate Director responsible for leading several outsourced audit functions within its Business Risk Services division.
Lisa is a qualified Chartered Internal Auditor and has over 25 years of internal audit and operational experience gained in the UK, UAE and Switzerland, having worked at several financial institutions, including PwC, Morgan Stanley Group, HSBC and Man Group plc.
Richard joined OSB in 2013.
Prior to joining OSB, Richard was head of the credit function for Morgan Stanley Group’s UK origination business and subsequently looked after the Credit and Collections strategy within its UK, Russian and Italian businesses. Between 1988 and 2006, Richard held various roles at Yorkshire Building Society, including the position of Mortgage Application Centre Manager.
Orlagh joined OSB Group in September 2024.
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.
Debra 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.
