Board of directors

The board is responsible for the group’s strategy and for overseeing the group’s performance. The board’s focus is on: strategy; development; growing shareholder value; oversight and control; and corporate governance.


    • All commitees
    • Executive committee
    • Remuneration committee
    • Audit committee
    • Nomination committee
    • Group Risk committee
    • Disclosure committee
    • Customer Culture and Ethics Committee

Image of Patrick Snowball

Patrick Snowball

Chairman

Patrick Snowball

Appointed to the board in 2018

Chairman
Nomination committee

Key strengths:

  • Experienced Chairman, non‑executive director and Chief Executive Officer.
  • Extensive experience of the financial services industry and the regulatory environment.
  • Wealth of knowledge of the challenges faced by the financial services sector, acquired over a 30‑year career.
  • Long track record in leading companies to develop and deliver growth plans.
  • Change project management, typically involving digital transformation and brand‑building.
  • Building strong customer relationships, leveraging data and insights, as well as leading and developing the wider stakeholder engagement.

Previous board and management experience:
Patrick has extensive boardroom and financial services experience. Before joining the Board, Patrick was a non‑executive director of Jardine Lloyd Thompson Group plc from 2008 to 2009, Deputy Chairman at Towergate Partnership between 2007 and 2009 and a member of the FSA Practitioner Panel from 2006 to 2008.

He is Chairman of Sabre Insurance Group plc and was Chairman of IntegraFin Holdings plc from 2017 to 2018. Prior to this Patrick was CEO of Suncorp Group Limited, an ASX20 Australian financial services group, between 2009 and 2015 where he successfully led the turnaround of the group following the global financial crisis.

Patrick started his career in the Army serving for almost 20 years and joined Ajax Insurance (which became part of the Aviva group) in 1988 progressing to hold executive director roles between 2001 and 2007, including UK GI CEO where he played a key role in merging and consolidating a number of businesses into Aviva General Insurance.

Current external appointments:
Chairman of Sabre Insurance Group plc

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Malcolm Le May

Chief Executive Officer

Malcolm Le May

Appointed to the board in 2014

Chairman
Disclosure committee

Key achievements:

  • A deep knowledge and experience of the financial services industry and regulatory environment.
  • Driven change by redefining roles and responsibilities throughout the business.
  • Built relationships with key stakeholders, such as investors and the Group’s banks, including leading the rights issue process which has enabled the Group access to funding from bank and debt capital markets.
  • Led the strengthening of the Group’s governance framework and the realignment of the Group’s culture more closely to the developing needs of the customer.
  • Re‑established and developed an ongoing and transparent relationship with the Group’s regulators enabling the Group, inter alia, to achieve authorisation of its Consumer Credit Division, the resolution of the FCA’s investigation into the Vanquis Bank‘s ROP product and made significant progress on the Moneybarn investigation.

Previous board and management experience:
Malcolm has extensive experience and knowledge of the financial services and investment banking sectors. He joined the Group as an independent non‑executive director, becoming Interim Executive Chairman in November 2017.

Malcolm provided effective leadership to the Board, working with them to redefine roles and responsibilities, and initiated a process to ensure the Board had the right mix of skills, experience and diversity. Through his role as Interim Executive Chairman, the Board observed Malcolm in action and decided his management style and extensive relevant experience made him best placed to be appointed as Group CEO. Prior to joining the Group, he held a number of senior positions within banking, including as Co‑Head of Banking for Barclays in New York; Head of European Investment Banking at UBS; and deputy CEO at Morley Fund Management (now Aviva Investors). 

Malcolm’s experience in the boardroom includes being a Non‑executive director of RSA plc and Hastings Group plc, Senior Independent Director of Pendragon plc, as well as his current position as a Senior Independent Director at IG Group Holdings plc. In addition, he is a Trustee of the Grange Festival, a partner at Juno Capital LLP and Opus Corporate Finance, and he was previously a senior advisor to EY and Heidrick & Struggles. 

Current external appointments:

Senior Independent Director of IG Group Holdings plc, Trustee of the Grange Festival, Partner at Opus Corporate Finance* and Juno Capital LLP.

*Non Equity

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Simon Thomas

Chief Finance Officer

Simon Thomas

Appointed to the board in 2018

Committee membership
Disclosure committee

Key strengths:

  • Proven public company Chief Financial Officer.
  • Experience in both growth and turnaround situations, contributing to successful strategic change, including in challenging environments.
  • Deep understanding of the financial services industry and the challenges faced in a regulatory environment.
  • Extensive experience leading financial and management reporting, investor relations, financial systems and reporting to the regulator.
  • Built strong relationships with stakeholders, including investors, analysts and other banks.

Previous board and management experience:

Simon is an experienced and proven public company Chief Financial Officer within the financial services sector.

Prior to joining the Group, he was Group Chief Financial Officer of Just Group plc, a FTSE 250 financial services company. Simon began his career at Price Waterhouse in 1985, where he qualified as a Chartered Accountant. In 1990, Simon joined the Nationwide Building Society, becoming Group Financial Controller in 1995.

Following his role at Nationwide, Simon was Head of Finance at the Equitable Life Assurance Society and HECM Ltd between 2000 and 2003. He was then approached by Canada Life UK and joined as Finance Director in 2003, becoming Finance & Customer Services Director from 2004 to 2006. In 2006 Simon joined Just Retirement Ltd as Group Chief Financial Officer, until its merger with Partnership Assurance Group plc in 2016, when it was rebranded to the Just Group.

Image of Andrea Blance

Andrea Blance

Senior Independent Director (SID)

Andrea Blance

Appointed to the board in 2017

Committee membership
Audit committee
Nomination committee

Chairman
Remuneration committee

Key strengths:

  • Experienced Senior Independent Director, non‑executive director, Board Committee Chair and senior leader.
  • Deep understanding of the financial services industry.
  • Track record of working with businesses at different stages of development and supporting both growth and recovery strategies.

Previous board and management experience:
Andrea has extensive Board and financial services experience. She is currently a non‑executive director and Risk Committee Chair at Scottish Widows Group and Lloyds Banking Group’s Insurance Division and a non‑executive director at The Mentoring Foundation.

She spent her executive career at Legal & General Group plc, where she was a member of the Group Executive Committee and held a range of senior leadership roles, including Divisional Chief Financial Officer, Group Financial Controller, Group Chief Risk Officer and Strategy & Marketing Director. During 2016 Andrea was a member of William & Glyn’s pre‑IPO Board.

Current external appointments:
Non‑executive director at Scottish Widows Group and Lloyds Banking Group’s Insurance Division, Non‑executive director at The Mentoring Foundation.

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Graham Lindsay

Independent non-executive director

Graham Lindsay

Appointed to the board in 2019

Committee membership
Remuneration committee
Nomination committee
Customer Culture and Ethics Committee

Key strengths:

  • extensive experience in commercial and retail banking following a 40 year career at Lloyds Bank
  • deep understanding & leadership across distribution channels
  • strong appreciation of the current regulatory environment
  • strong customer focus, experience and understanding

Previous board and management experience:

Graham joined the Wonga UK Board in 2016 as part of the new leadership team engaged to improve the business and deliver change. He joined the Board of Vista Communications Ltd in 2015 and helped transform them to achieve a very successful sale. Graham sat on the Board of the Institute of Banking & Financial Services & on the Professional Standards Board.

Current external appointments:

Graham is currently a Non-Executive Director on the board of OneFamily, a financial services mutual where he chairs the Remuneration Committee and the Customer, Member and Product Committees. He also sits on the risk and audit committees. He is also Vice Chair and Trustee of the Brain Tumour Charity. Graham is also a consultant for Trustees Unlimited supporting senior executives to find suitable charity trustee appointments. 

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Angela Knight

Independent non-executive director

Angela Knight

Appointed to the board in 2018

Committee membership
Remuneration committee
Audit committee
Nomination committee

Chairman
Group Risk Committee

Key strengths:

  • Experienced Government Minister, CEO, Chair and non‑executive director.
  • Wealth of knowledge of the financial services sector.
  • Deep knowledge of regulated industries, the public sector and of science and engineering.
  • Adept at solving difficult problems with effective solutions.
  • Built strong relationships with wider stakeholders in a variety of sectors.
  • Understanding of public presentation, in particular as a proficient public speaker.

Previous board and management experience:
Angela has extensive experience in both the public and private sectors.

Prior to joining the Board, Angela was Senior Independent Director of Brewin Dolphin plc from 2008 to 2017 and has held a number of non‑executive directorships at a variety of companies, including Lloyds TSB plc; South East Water; and Scottish Widows. Her current roles include being a non‑executive director of Taylor Wimpey plc and Senior Independent Director at TPICAP plc. Angela has had a broad range of executive roles, including a number as Chief Executive Officer (CEO).

She was CEO at Energy UK; British Bankers Association (the BBA, now UK Finance); and APCIMS (now Personal Investment Management and Financial Advice Association). Angela started her career training as an engineer with Air Products Limited and set up the specialist metal heat treatment company, Cook & Knight (Metallurgical Processors) Ltd. She was previously a Member of Parliament and Treasury Minister between 1992 and 1997 and was the Chair of the Office of Tax Simplification from December 2015 to March 2019.

Current external appointments:
Senior Independent Director of TPI CAP plc, Non‑executive director of Taylor Wimpey plc and Arbuthnot Latham & Co.

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Libby Chambers

Independent non-executive director

Libby Chambers

Appointed to the board in 2018

Committee membership
Nomination committee
Group Risk Committee

Chairman
Customer Culture and Ethics Committee

Key strengths:

  • C‑suite marketing executive, board director and strategist.
  • Proven people leader.
  • Extensive marketing and communications functional background.
  • Broad and deep knowledge of financial services, including credit cards and payments products, a wide range of customer loan segments and marketing in a regulated environment.
  • Substantial turnaround expertise.
  • Wide exposure to international operations and the unique challenges of leading them.

Previous board and management experience:

Elizabeth is an experienced board director, senior financial services executive, strategist and marketing leader in the UK and globally. Her previous board experience includes being a non‑executive director at Dollar Financial Group, Hibu plc (formerly Yell Group) and The Home and Savings Bank. Prior to these roles, Elizabeth served on the boards relating to consumer finance joint ventures between Barclaycard and other brands, such as Argos and Thomas Cook.

She is currently a non‑executive director at Smith & Williamson, the wealth management and professional services firm, and Hastings Group Holdings plc, a major home and auto insurance provider to consumers and businesses in the UK. Elizabeth is also on the Advisory Boards of several fintech and software start‑ups.

She has extensive executive experience through roles including Chief Marketing Officer at Barclays and Barclaycard; Chief Marketing and Business Development Officer at Freshfields Bruckhaus Deringer LLP; Partner at McKinsey & Company; and recently serving as Chief Strategy, Product and Marketing Officer at Western Union.

Current external appointments:

Non‑executive director of Smith & Williamson, Non‑executive director of Hastings Group Holdings plc.

Image of Paul Hewitt

Paul Hewitt

Independent non-executive director

Paul Hewitt

Appointed to the board in 2018

Committee membership
Nomination committee
Group Risk Committee

Chairman
Audit committee

Key strengths:

  • 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.

Previous board and management experience:
Paul is an experienced Chief Financial Officer, Chairman, Non‑executive Director and Audit Committee Chair who operates in a number of different sectors.

He is currently also a non‑executive director and Audit Committee chair at Charles Taylor plc and Chairman of Kintell Limited. Paul’s past non‑executive director roles include chairing audit committees for Tokio Marine, Kiln, NEST Corporation, Tesco Bank, Collins Stewart Hawkpoint, Co‑operative Banking Group and GMT Global Aviation.

He is also a past non‑executive director of Playtech plc and past chairman of several private equity backed businesses. 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 from 2003 to 2007.

Current external appointments:
Non‑executive director and Audit Committee Chairman of Charles Taylor plc, Chairman of Kintell Limited.

Image of Robert East

Robert East

Independent Non-Executive Director and Chairman of Vanquis Bank Ltd

Robert East

Appointed to the board in 2019

Committee membership
Nomination committee
Customer Culture and Ethics Committee

Key strengths:

  • Experienced Chairman, Non‑Executive Director and Chief Executive Officer
  • Extensive experience in, and understanding of, retail and commercial banking in the UK and internationally acquired over a 40‑year career
  • In-depth knowledge of financial services, consumer finance, risk management and leadership

Previous board and management experience:
Robert worked for 32 years in various leadership roles with Barclays Bank latterly as Chief Risk Officer of Absa in South Africa.  He joined Cattles Plc, a consumer finance group, in 2008 where he led its restructuring from 2009 and was its Chief Executive from 2010 until completion of its wind down in 2016.

Current external appointments:
Having joined its Board in 2011, Robert became Chairman of Skipton Building Society in 2016 where he is helping develop the Society’s strategy, grow its membership and ensure it remains financially strong. Since 2014, when it was acquired by a new team, Robert has been a Non-Executive Director at the specialist commercial lender, Hampshire Trust Bank Plc. He chairs its Risk Committee. He remains a Director of a small number of Cattles subsidiaries whose wind down will be completed in 2019.