Our Board and Executive Committee

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.

Steve brings extensive experience in the motor finance industry, having started his career in 2005 on the Ford Credit graduate programme before joining Santander Consumer UK in 2010. Over the years, Steve has held key positions working with major motor manufacturers and, most recently, was the Commercial Director for Santander Consumer Finance Nordics, where he successfully led one of the largest Santander Consumer Finance businesses across four countries.

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.

Jorge brings a wealth of experience in the motor finance industry. He began his career with Santander Group in Madrid in 1998 as a Senior Manager in Internal Audit, working across various Santander Group Banks in Spain and the Consumer Finance units. He has since held a number of senior risk roles, including Risk Director (Wholesale Risk) at Santander Group in Madrid.

In 2013, Jorge joined Santander Consumer UK as a Risk Controller before moving on to PSA in 2015, where he spent five years as Chief Risk Officer. Most recently, Jorge served as Chief Risk Officer and Deputy Managing Director at Volvo Cars Financial Services UK, where he successfully led risk operations and governance. With 27 years of service at Santander and an impressive track record leading risk teams across Santander, PSA and Volvo joint ventures, Jorge brings deep expertise and leadership to this critical role. Jorge holds a degree in Business Administration from the University of Complutense and a degree of Law from the UNED University.

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.

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.

Alexis Tobin is a Chartered Accountant and Corporate Treasurer with extensive experience in motor finance and banking.

He has spent the past seven years at KPMG in Motor Finance Consulting. Prior to KPMG, Alexis held senior roles across NatWest and MUFG, specialising in CFO, COO, and transformational change roles across banks.

Bryony has over 20 years’ experience in human resources spanning both the public sector and financial services. She started her career in the NHS and further education sector in Scotland before moving to pensions, insurance and latterly retail banking at Santander. She moved to Santander Consumer Finance in February 2025.

Bryony has led end to end HR functions sitting on ExCo and leadership teams covering the full range of HR disciplines such as talent, performance, strategy, transformation, culture, change, ER and organisational development. She has specialised in business partnering, holding roles as Head of Business Partnering for corporate functions as well as retail banking.

Bryony holds a degree in Communication, a postgraduate in Human Resource Management and is a Fellow of the Chartered Institute of Personnel and Development.

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.

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

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.

Charlie Shepherd has been General Counsel of Santander UK Group since July 2022 and is responsible for the Legal and Corporate Governance function. Charlie has been with Santander for over 20 years and has held senior legal leadership roles across the Group, including responsibility for the Wholesale Markets, Retail, Wealth and Business Banking, Corporate Banking and SCIB legal teams.

During his career at Santander UK, Charlie has played key roles in a number of significant transactions and regulatory programmes, including leading the legal workstream for the Group’s ring-fencing and LIBOR transition initiatives.

Charlie qualified as a solicitor at Herbert Smith in 1994. He subsequently joined Marconi plc, where between 2001 and 2003 he was part of the management team that delivered the company’s financial restructuring.

Joaquín Caracuel is an experienced Santander Group executive with more than 25 years’ experience in the banking sector. He has significant expertise in business strategy definition and execution, with over 15 years’ experience in auto finance within Santander Consumer Finance.

Marta Elorza has extensive international experience across Control, Risk Management, Audit, Technology and Operations within financial services and other regulated sectors.

She was a Partner at Arthur Andersen and later served as Deputy General Manager at Grupo Santander, where she held senior leadership responsibilities across risk and control functions.

Marta has served, and continues to serve, on several Boards of Directors across the European financial services, engineering and media sectors where she chairs and serves on a number of Audit and Risk Committees.