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 has over thirty-five years’ experience in the motor finance industry, including more than eighteen 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 CEO, was responsible for the launch of Santander Consumer Finance in the UK and he has led the business over the past fourteen 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 a Director of Hyundai Capital UK Ltd, PSA Finance UK Ltd, Santander Consumer (UK) Plc and Santander Consumer USA Holdings inc.
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).
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.
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.
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.
Stephen Green has worked in Financial Services for over thirty 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. Previous board directorships have included PSA Finance UK, BACS Ltd and CHAPS Ltd. Stephen holds degrees 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.
Adam has thirty five years of experience in the motor finance industry, with twenty 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. In 2009, he joined Santander Consumer Finance as Risk Director before moving to PSA Finance to become their Managing Director in early 2018.
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.
Reza is currently the Head of Customer Interactions 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.
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 joined Santander in September 2012 to lead the Credit Risk Oversight team before taking up his existing role as CCO in September 2013. The Santander UK retail portfolios cover all retail lending products with total assets of circa £165bn. Mark joined Santander from Barclays Group where his career had spanned 31 years, encompassing many credit roles across a number of retail divisions, including Barclaycard. Latterly, as a Director in the Group Risk Retail Credit team Mark travelled extensively providing oversight and challenge to Barclays retail credit risk functions around the world.
Bruno is Head of non-Euro Business Area Santander Consumer Division. Previously Senior Executive Vice President for the Non-Euro Area.