Our Board and Executive Committee

Santander Consumer Finance has strong governance in place, as would be expected for a business that is part of a global bank. The Statutory Board of Directors comprises representatives from Santander Consumer Division Spain, Santander UK and Executive Directors of Santander Consumer Finance UK.

The Executive Committee is responsible for the day-to-day running of the business and meets weekly to oversee business performance, track progress of key projects or initiatives, and address any matters that require senior management attention. Most of the executive team will also hold a Senior Management Function with the Financial Conduct Authority.

Executive Committee

Vik Hill

Chief Executive Officer

Member of Statutory Board and Management Board

To date, Vik’s career spans just over four decades within the motor finance industry and he has spent around half of that period at board level. His early career focused on Operations, specialising particularly in both Customer Services and Collections. He began his career with Lombard in 1982, moved to First National in 1998 as a result of acquisition, joined the First National management board in 2000, and successfully brought that business to a close in 2003 in line with group requirements at the time. In 2005, Vik, as CEO, was responsible for the launch of Santander Consumer Finance in the UK and he has continued to lead the business since then, guiding the acquisition and integration of the auto loans portfolio from GE Capital Bank in 2009. Since then, the business has continued to grow year-on-year, adding many dealer and manufacturer partnerships, creating joint venture subsidiaries to form the Group of companies that it is today.

Vik qualified as a Chartered Director in 2007 and became a Qualified Mediator for Civil and Commercial Disputes in 2008. His current responsibilities include Directorship of four companies within the Santander Group, including Santander Consumer (UK) plc. He is also Chairman of Hyundai Capital UK Ltd, PSA Finance UK Ltd, and Volvo Cars Financial Services Ltd.

Adam Goldhagen

Deputy CEO

Member of Statutory Board and Management Board

Adam has 35 years’ experience in the motor finance industry, with 20 years at director level. He was appointed Head of Risk at Volkswagen Financial Services in 1994 (supporting VW, Audi, SEAT and Skoda manufacturers), before joining Fiat (Fiat, Alfa Romeo, Jaguar and Land Rover) as Risk Director of its Financial Services Company in 1996. In 2009, he joined Santander Consumer Finance as Risk Director before moving to PSA Finance UK to become Managing Director of the joint venture in early 2018. He returned to SCUK as deputy CEO in April 2021.

Adam holds an MSc in Credit Management from Leeds University Business School and an MBA in Banking and Finance from Bangor University. He is a Chartered Banker, a Chartered Director and a Fellow of the Institute of Directors.

Stewart Grant

Commercial Director

Management Board Member

After graduating in accounting from Leeds Metropolitan University, Stewart joined Lombard North Central in 1988, working first as an Underwriter, then as Business Development Manager. After this, he moved to Rover Finance, taking on the role of Midlands Region Sales Manager, before moving to BMW Financial Services in 1996 – firstly as Network Development Manager, then as Head of Marketing for its associate brands Rover, Land Rover and Mini.

Over an 11-year period with Toyota Financial Services, he operated as New Market Development Manager leading teams across Europe, before assuming the role of Head of Sales and Marketing for Europe.

In 2012, Stewart took on the position of Marketing Director at Santander Consumer Finance, then spent two years as Managing Director for Hyundai Capital (HCUK), before returning to Santander Consumer Finance in October 2015, assuming the role of Commercial Director. He is also on the Board of Directors of HCUK.

Graham Firmin

Technology Director

Management Board member

Graham has over 25 years’ experience in financial services, with demonstrable experience in various managerial roles responsible for operational and IT functions.

Graham started his career with Lombard Motor Finance and gained useful insight in centralised operational processes, working in Customer Services and Collections before moving into IT as a Business Analyst. Graham continued his development as a Business Analyst in pensions and investments with Legal & General, before joining Toyota Financial Services as a Senior Business Analyst with responsibility for the IT aspects of new Toyota Financial Services company start-ups around Europe.

Graham gained his PRINCE2 qualification in 2005 and successfully managed a wide range of complex projects, including software development and integration, internet banking, securitisation and regulatory transformation.

Stephen Green

Strategy, Projects & HR Director

Management Board Member

Stephen has worked in financial services for over 30 years, covering roles in various fields including Economics, Marketing, Project Management, Corporate Strategy and Operations. His more recent roles have been IT & Operations Director for Santander Consumer UK (2009-2015) and Deputy CEO for PSA Finance UK (2015-2018).

In January 2018, Stephen returned to Santander Consumer as Strategy, Projects & HR Director. He is now the Board Director of HCUK. Previous board directorships have included PSA Finance UK, BACS Ltd and CHAPS Ltd. Stephen holds a degree in Economics from the University of Warwick and an MBA from Warwick Business School, as well as being a Fellow of the Institute of Directors.

Kevin Turner

Risk Director

Kevin has been working in banking for over 30 years, leading risk and operational functions in challenging and dynamic conditions. Prior to joining Santander Consumer UK, he worked in Grupo Santander in Madrid, where he was responsible for oversight of the Credit Risk policies and operational processes across the full Retail credit cycle, ensuring compliance with stated business risk appetites for Consumer and Mortgage products. Kevin has also worked for General Electric Money Bank in Madrid, Barcelona and London and for Abbey National and First National Bank  in London. Kevin completed his degree studies at Exeter University and has also completed studies at Wharton University, IE Business School in Madrid, and is fluent in Spanish and basic Portuguese.

Ian Whittaker

Operations Director

Ian has twenty-five years’ experience in the motor finance industry, leading teams across a wide range of functions. He graduated from Southampton, holds a BA (Hons) in Business, and is a qualified accountant (ACMA / CGMA).   

He began his career with Lombard Motor Finance and in 1998 moved to First National, which later saw him accept the role of business partner. With Santander’s entrance to the UK market in 2005, Ian became an integral member of the project team to launch Santander Consumer UK and on commencement of trading, was responsible for business planning and pricing.  In 2007, Ian became SCUK’s Financial Controller, where in addition to leading the Finance and Financial Management teams, his responsibilities included risk reporting, internal control, and the evaluation of new business opportunities.  

Ian joined Hyundai Capital UK in 2015, initially as Deputy Managing Director with responsibility for Sales, before becoming Managing Director in 2018 and leading the joint venture for a further 4 years. Following the completion of his rotational secondment, Ian has returned to Santander Consumer, assuming the role of Operations Director.

Kathleen Conroy

Legal, Compliance and Financial Crime Director

With over 15 years of experience in the motor finance industry, Kathleen is accomplished at leading the strategy to drive change and transformation initiatives within legal, compliance and financial crime functions. She has significant experience as a data protection officer, money laundering reporting officer and company secretary.  

Kathleen is a graduate of the University of Dundee and holds postgraduate qualifications in financial crime compliance. She is also a solicitor in England and Wales and a Fellow member of the International Compliance Association.  Her knowledge and expertise covers consumer credit, commercial and contract law, data protection, corporate law, and regulatory law. Kathleen is Chair of SCUK’s diversity and inclusion forum.

Damien O’Sullivan

Chief Financial Officer

Statutory Board of Directors

Christine Palmer

Chief Risk Officer, Retail – Santander UK

Christine Palmer has extensive experience in the financial services sector following a career spanning over 30 years. Christine joined Santander in 2020 from Aldermore Group, a specialist lender operating in the UK, where she was an executive director and Group Chief Risk Officer for the holding company, banking and consumer car finance businesses. After graduating from the University of Wales, Christine started her career at ABN Bank where she undertook a variety of roles in credit risk. In 1991, Christine joined ING, where she spent eight years in a variety of risk management roles in both London and Amsterdam. Before joining RBS in 2002, Christine held a consultancy role at Ernst & Young, where she focused on credit risk management in the Financial Services Risk Management practice. At RBS, Christine held many senior roles within the bank including Global Head of Operational Risk & Divested Businesses as well as Chief Risk Officer roles for the Group’s Non-Core Division and its UK Corporate & Commercial Bank. During her career Christine has successfully navigated complex, scale and global businesses as well as faster growing new banks all of which have experienced significant transformation and challenging environments requiring Risk to be a ‘voice at the table’ to challenge and support strategic ambitions.

Bruno Montalvo

Head of non-Euro Business Area for Santander Consumer Finance

Bruno is Head of non-Euro Business Area Santander Consumer Division. He was previously Senior Executive Vice President for the non-Euro Area.

Tim Hinton

CEO, Corporate & Commercial Banking, Santander UK

Tim Hinton is CEO of the Corporate & Commercial Banking business at Santander UK, having joined the Group in 2018. He has extensive international experience in both Commercial and Retail Banking, having worked for a number of years at Standard Chartered mainly in Asia (1986 – 2013) and then at Lloyds Banking Group in the UK (2013 – 18). He is also a Trustee of the 27-year old charity, In Kind Direct, which co-ordinates significant and diverse product giving across the UK and beyond. Tim enjoys growing and turning around businesses and helping clients to achieve their individual growth plans and ambitions.

Tim Hinton has been appointed Santander Consumer (UK) plc Board Chair subject to regulatory approval.

Javier Anton

Chief Financial Officer for Santander Consumer Finance

Javier is the Chief Financial Officer for Santander Consumer Finance. He is also a member of the management board of Santander Consumer Finance with responsibilities for funding including securitizations, capital markets issuances and customer liabilities. Additionally, he is responsible for rating agencies, investor relations and for managing interest rate risk, exchange risk and capital.

Mark Lewis

Non-Executive Director

Mark Lewis was appointed Independent Non-Executive Director for Santander UK, and Non-Executive Director for SCUK on 16 December 2020.

Mark brings a track record of digital transformation and growth across multiple consumer businesses and sectors. Most recently he was CEO of Moneysupermarket Group plc, operating regulated market places across financial services, travel and home services and helping UK households save over £7bn from their bills. 

Prior to this, Mark sat on the John Lewis Management Board as Retail Director, responsible for sales and operations across 48 UK department stores and online channels serving 37 countries.  He previously served as Managing Director of eBay UK and CEO of Collect+.

On his appointment Mark became a member of the Board Remuneration Committee, Board Risk Committee and Board Responsible Banking Committee. He was appointed as a member of the Board Audit Committee on 1 September 2022.