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David Weymouth
Chair of the Board
David sits on the following committees:
Group Nomination and Governance Committee (Chair)
Group Remuneration and People Committee
Appointed*:
28 February 2020
Skills, experience and qualifications:
David 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.
*David Weymouth was appointed to the Board of OneSavings Bank plc on 1 September 2017 and this date is used to calculate his tenure.
Enrique Alvarez Labiano
Chief Executive Officer
Appointed:
1 September 2026
Skills, experience and qualifications:
Enrique joins OSB Group from Santander UK, where he served as Chief Executive Officer of Retail and Business Banking and as an Executive Director of Santander UK plc and Santander UK Group Holdings plc. Since joining Santander Group in 2015, Enrique has held a number of senior leadership positions both at Group level such as Group Head of Strategy, Chief of Staff to the Group Executive Chair as well as in the UK, such as Head of Strategy and Corporate Development, Chief People Officer and Head of Everyday Banking. He has led Santander UK’s Retail and Business Banking division since 2023 and joined the Santander UK Board in 2025. Prior to Santander, Enrique spent eight years at McKinsey & Company, where he was a Partner advising clients across the financial services sector.
Enrique holds a Master of Engineering degree from ICAI, Pontificia Comillas University, and an MBA from INSEAD.
Current external appointments:
None
Victoria Hyde
Chief Financial Officer
Victoria sits on the following committees:
Group Models and Ratings Committee
Appointed:
22 July 2024
Skills, experience and qualifications:
Prior to joining OSB Group in September 2022, 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.
Current external appointments:
None held.
Gareth Hoskin
Senior Independent Director
Gareth sits on the following committees:
Group Audit Committee
Group Risk Committee
Group Nomination and Governance Committee
Group Remuneration and People Committee
Appointed:
1 April 2025
Skills, experience and qualifications:
Gareth has considerable financial services experience 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. Gareth was previously Chair of Acromas Insurance Company Limited and Vice Chair and Senior Independent Director of Leeds Building Society. Gareth was appointed to the position of Senior Independent Director on 1 October 2025.
Current external appointments
Gareth is Senior Independent Director and Chair of the Audit Committee of Saga plc.
Kal Atwal
Independent Non-Executive Director and ESG Champion
Kal sits on the following committees:
Group Remuneration and People Committee
Group Risk Committee
Appointed:
7 February 2023
Skills, experience and qualifications:
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, Royal London Mutual Insurance Society Limited and WH Smith PLC, where she was also Chair of the ESG Committee, as well as Chair of FunkyPigeon.com Limited. She was Managing Director of BGL Group and Founding Managing Director of comparethemarket.com, a division of BGL. As 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 Quilter plc and Whitbread Plc.
Robin Bulloch
Independent Non-Executive Director
Robin sits on the following committees:
Group Audit Committee
Group Nomination and Governance Committee
Group Risk Committee
Appointed:
1 April 2026
Skills, experience and qualifications
Robin has significant experience in retail banking gained during his 40-year career as a senior British banking executive where he held senior leadership roles across many UK banks, including Lloyds Bank, Bank of Scotland, and RBS/NatWest Group. Robin has accumulated extensive experience during his career, including his time at TSB where he joined as Chief Customer Officer, leading customer experience transformation, developing the bank’s proposition and distribution strategy, supporting business customers, and overseeing the TSB brand relaunch in 2020 and before becoming permanent Chief Executive Officer in April 2022. Robin is a Fellow of the Chartered Banker Institute and previously served on its board.
Henry Daubeney
Independent Non-Executive Director and Whistleblowing Champion
Henry sits on the following committees:
Group Risk Committee
Group Audit Committee (Chair)
Group Models and Ratings Committee
Appointed:
1 July 2024
Skills, experience and qualifications:
Henry brings over 38 years’ of experience in the financial services sector, having spent his career with PricewaterhouseCoopers LLP as a senior audit bank partner and Global Head of Corporate Reporting Services – IFRS and Sustainability Reporting. He has served on the IFRS Advisory Council and Corporate Reporting Group of the Global Public Policy Committee (GPPC), where he was also Co- Chair of the GPPC Bank Working Group. Henry has extensive expertise in financial and regulatory reporting in the UK and US with a strong background in internal controls, governance and compliance. He is a Fellow of the Institute of Chartered Accountants.
Current external appointments:
Henry is a Non-Executive Director of ClearToken CCP Limited, ClearToken Depository Limited, ClearToken Holdings Limited, and ClearToken UK Holdings Limited.
Sally Jones-Evans
Independent Non-Executive Director and People Champion
Sally sits on the following committees:
Group Remuneration and People Committee (Chair)
Group Nomination and Governance Committee
Group Risk Committee
Appointed:
1 April 2025
Skills, experience and qualifications:
Sally has significant financial experience gained through her extensive executive career at Lloyds Banking Group where she held a wide range of roles leading customer-facing parts of the business. She also has a proven track record as an experienced Board and Committee Chair. Previously, Sally was Chair of the Principality Building Society and was also formerly a Non- Executive Director at Delio Wealth Limited. Sally is a Fellow of the Chartered Institute of Bankers.
Current external appointments
Sally is a Non-Executive Director and Chair of the Audit and Risk Committees of Hafren Dyfrdwy Ltd (part of Severn Trent Group Plc), Chair of the Trustee Board of Oasis Cardiff and Trustee of the charity, Care for the Family.
Simon Walker
Independent Non-Executive Director
Simon sits on the following committees:
Group Risk Committee (Chair)
Group Models and Ratings Committee (Chair)
Group Audit Committee
Appointed:
4 January 2022
Skills, experience and qualifications:
Simon has considerable experience in financial services and mortgages, SME lending, risk management and regulation within the banking sector. Simon 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 H & T Group plc, IWP (Holdings) Limited and Leeds Theatre Trust Limited.
Current external appointments:
Simon is a Non-Executive Director of the Bank of London Group Limited and The Bureau of Investigative Journalism.
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.
Debra Bailey
Group Chief Information Officer
Experience and qualifications:
Debra joined the Group in January 2025 and was appointed as Group Chief Information Officer in April 2025. She brings a breadth of experience in strategic, technology, transformational, operational and change roles in sizeable, regulated organisations across financial services, telecommunications, logistics and the public sector. The majority of her career has been in financial services, at Woolwich, Barclays and Nationwide Building Society where she held senior management 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.
Matthew Baillie
Group Chief Operating Officer
Experience and qualifications:
Matthew joined the Group in late 2022 as Group Chief Transformation Officer, leading the Group’s strategic change agenda. In September 2025, he was appointed Group Chief Operating Officer and became a member of the Executive Committee. He has over 15 years of financial services experience, specialising in strategy, transformation and performance improvement at scale. Prior to joining the Group, Matthew spent his career at Lloyds Banking Group where he held senior leadership positions across product, digital, strategy and change. His final role there was Chief of Staff to the Group Chief Executive Officer, where he supported enterprise-wide strategic delivery.
Jason Elphick
Group General Counsel and Company Secretary
Experience and qualifications:
Jason joined the Group in June 2016. He has over 30 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, 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.
Jon Hall
Group Chief Commercial Officer
Experience and qualifications:
Jon joined the Group in November 2021. Jon has significant experience within the financial services sector and joined the Group from Aspinall Financial Services, a preauthorisation 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.
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 the Group, 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.
Hasan Kazmi
Group Chief Risk Officer
Experience and qualifications:
Hasan joined the Group in September 2015 as Chief Risk Officer. He became Group Chief Risk Officer in 2021. Hasan has 30 years of risk and regulatory experience having worked at several financial institutions, including Barclays Capital, Royal Bank of Canada and Standard Chartered Bank. 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.
Richard Wilson
Group Chief Credit Officer
Experience and qualifications:
Richard joined the Group in 2013. Prior to joining the Group, 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.