Our Board and Senior Management team

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 Directors of Santander Consumer Finance. All Statutory Board Directors are Approved Persons, and have Controlled Functions assigned.

The Management Board 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.

Vik Hill

Managing Director
Member of Statutory Board and Management Board

Vik has over thirty years’ experience in the motor finance industry, including more than fourteen at board level. His early career focused on operations, in particular Customer Services and Collections. He began his career with Lombard in 1982, moved to First National in 1998, joined the First National Board in 2000, and successfully brought that business to a close in 2003 in line with group requirements.

In 2005 Vik, as Managing Director, was responsible for the launch of Santander Consumer Finance in the UK and he has led the business over the past ten years, which has included the acquisition and integration of the auto loans portfolio from GE Capital Bank in January 2009.

Vik qualified as a Chartered Director in 2007, became a Qualified Mediator for Civil and Commercial Disputes in 2008. His current responsibilities include Directorship of four companies in the Santander Group including SCUK. He is Chairman and Director of Hyundai Capital UK Ltd, Chairman and Director of PSA Finance UK Ltd, CEO of Santander Consumer (UK) Plc and is also a member of the Board of Directors for Santander Consumer USA.

Read biography

Adam Goldhagen

Deputy Managing Director
Member of Statutory Board and Management Board

Adam has thirty years of experience in the motor finance industry, with eighteen 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 their Financial Services Company in 1996. He joined Santander Consumer Finance as Risk Director in 2009 and he was responsible for all aspects of Retail, Wholesale and Operational Risk.

Adam is a graduate of the Institute of Credit Management, holds an MSc in Credit Management from Leeds University Business School. He is a Chartered Director and a Fellow of the Institute of Directors. He is currently a Director of Santander Consumer Finance and Hyundai Capital UK Limited.

Read biography

Stewart Grant

Commercial Director
Member of Statutory Board and Management Board

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 and then as Head of Marketing for their 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, 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.

Read biography

Diane Roberts

Finance Director
Member of Statutory Board and Management Board

Diane has over twenty years’ experience in the motor finance industry, with more than fourteen at director level. After qualifying as a Chartered Accountant in 1984, Diane worked as a Senior Manager in Ernst & Young’s Financial Services division before joining Wagon Finance in 1992, which was acquired by First National Bank in 1996. Diane has held the position of Finance Director since the launch of Santander Consumer Finance.

Diane is a graduate of the University of Warwick, a member of the Institute of Chartered Accountants in England and Wales, and a qualified Chartered Director. Her current responsibilities include directorship of three Santander Group companies (First National Motor Plc, PSA Finance Plc, Santander Consumer Finance).

Read biography

Juan Carlos Lopez Gil

Risk Director
Management Board member

Juan Carlos has over twenty years’ experience in the financial services industry, having started his career with Santander Group in 1995. As an Audit Manager he has led different audit teams within many of the Santander Group Units and has participated in due diligence processes for acquisitions of financing entities or portfolios for Santander Group.

He holds a Risk Management Executive Program Certificate (IE Instituto de Empresa. Madrid), Wholesale Risk Management Executive Program (ESADE. España), Executive Development Program (IE Instituto de Empresa. España) and a Diploma in Business (Univ. Alcalá de Henares. España)

Read biography

Graham Firmin

Technology and Operations 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 and General, before joining Toyota Financial Services as a Senior Business Analyst responsible 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.

Read biography

Wayne Gibbard

Legal Director
Management Board member

Wayne is a qualified Solicitor, holds a Business Law Degree (LLB) and has nearly twenty years experience in the financial services industry. He started his career with Volkswagen Financial Services in 1998 as Head of Legal and Compliance, also acting as Company Secretary to the Group of companies. He joined General Motors Acceptance Corporation (GMAC) in 2008 as Senior Legal Counsel and was Company Secretary to the UK businesses. Wayne also held a number of senior positions at Royal Bank of Scotland Plc from 2009, including Head of Business and Commercial Banking, Legal and Head of Customer Solutions Group, Legal.

Wayne joined Santander Consumer Finance in January 2015 as Legal Director.

Read biography

Bruno Montalvo

Chairman
Member of Statutory Board and Management Board

Bruno is Senior Executive Vice-President Santander Consumer Division. Non-Euro Area. He has responsibility for supervising operations of the Banks, Bank Branches and Financial Institutions of Santander Consumer Finance S.A. in the Nordic Countries, UK and Poland

Read biography

Javier Anton

Santander Consumer Finance Division Board Representative
Member of Statutory Board

Javier is the Chief Financial Officer and Global Head of Financial Management and Funding 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.

Read biography

Javier San Felix

Head of Retail and Business Banking & Deputy CEO for Santander UK

Javier is currently Head of Retail and Business Banking & Deputy CEO for Santander
UK. Previously Javier was CEO of Banesto, until its merger with Santander. Banesto was
a full service universal bank operating solely in Spain as the second retail franchise
of Banco Santander.

Until May 2012, Javier was Senior Executive Vice President responsible for the
Management of the Non Euro Markets of Santander Consumer Finance, and
executive member of Santander Consumer Finance Board of Directors.
Before joining Banco Santander, Javier was a senior Partner of McKinsey &
Company in the Madrid office. During his years (1991 – 2004) of consulting life he
became a senior leader of the European Financial Institutions practice.

Read biography

Reza Attar-Zadeh

Head of Customer Value Proposition at Santander UK

Reza is currently the Head of Customer Value Proposition at Santander UK. Reza oversaw a team which has designed and delivered some of the most innovative products in British retail banking, built on the principle of putting customers first.  His team delivered the first fee-paying current account with cashback proposition in the market, the Santander 123 current account. This amongst other initiatives has contributed to Santander UK being the number 1 brand for customer switchers in 2014, whilst achieving one of the highest customer satisfaction scores of any banking product in the UK.

He has a keen interest in the development of digital and payment technologies and works closely with Santander’s digital and technology teams to launch innovations such as Apple Pay and Spendlytics.

Read biography