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Trustees of Foundation for Credit Counselling

The board of trustees for the Foundation for Credit Counselling (registered in England and Wales) has the following members.

Sir Hector Sants (Chair of the Board)

Sir Hector Sants is Vice Chairman and Partner of Oliver Wyman, and Chairman of Julius Baer International Limited. Hector is also a member of the UK’s Financial Capability Board and trustee of Just Finance - the Church of England's charity promoting a fairer financial system.


Previous roles include the Chief Executive of the Financial Services Authority, Deputy Governor designate of the Bank of England, CEO designate of the Prudential Regulation Authority, and a member of the interim Financial Policy Committee of the Bank of England. Before that he held a number of senior roles at Barclays Credit Suisse First Boston, DLJ, UBS and Phillips & Drew.


Away from financial services prior activities included being Chair of the Oxford University Business School and a non-executive director of an NHS Trust.


Sir Hector was knighted in 2013 for services to financial services and regulation; he has an MA in psychology and philosophy from the University of Oxford.

Photograph of David Coates

David Coates

David is a financial services specialist whose speciality is helping businesses develop. He joined Experian as managing director of the Business Information and Consumer Information divisions. In 2000, he was appointed managing director and founding director of Callcredit in Leeds.


In 2004 David joined the private equity backed company Davenham as chief executive and took the group public in 2005. From 2011 to 2015 David was a non exec director of the Richmond Group and subsequently non exec Chair of its subsidiary Amigo Loans Ltd. David is also an non-executive director of the Training Room Ltd and advises several smaller financial service businesses at board level.

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John Fingleton

John Fingleton was Chief Executive of the Office of Fair Trading from 2005 to 2012, having previously run the Irish Competition Authority.


As an academic he taught economics at the London School of Economics, Trinity College Dublin and the University of Chicago, he wrote and taught game theory, economics of industry and regulation.


In government, he oversaw merger regulation, enforcement of competition rules, consumer protection, and credit regulation. He has been a strong advocate for the removal of government restrictions on competition and supply side reforms to improve productivity growth.


John is a member of the Policy Advisory Board at the Social Market Foundation and acts as Trustee at Kaleidoscope and CEPR.

Sir Geoff Mulcahy

Tim Frost

Tim is the Chair of Cairn Capital, a Director of the Bank of England and an Emeritus Governor of the London School of Economics.


Before joining Cairn, Tim worked in a series of trading and management positions at JP Morgan, helping to build the credit and credit derivatives businesses. He started work as an officer in the British Army serving in Germany and in the Falkland Islands.

Andy Hill

Andy is currently CEO at Damartex UK Ltd and Chairman of Coopers of Stortford. These two businesses are the main UK-based subsidiaries of Damartex SA, one of the leading European multichannel retailers for seniors. He is also a member of the Damartex SA Group board.


A qualified accountant, Andy has worked for the past 30 years in a variety of mail order and retail organisations including Next, Redcats, Lennons Group and now Damartex. For the majority of those businesses, consumer credit has been a significant element in the commercial offer.


This has led to hands-on experience in credit risk management and compliance with, recently, Damartex UK gaining full FCA accreditation. During that time he has held direct board responsibility across a range of disciplines including finance, marketing, customer services and IT.


Andy also served as a director of the UK Direct Marketing Association and was chairman of its Home Shopping Council.

Monica Kalia

Monica Kalia

Monica is the Co-founder and Chief Strategy Officer at Neyber. She has an extensive background in banking, running the European bank’s equity research team at Goldman Sachs. Monica’s strategic approach has enabled her to identify the technology based solution that was needed to revolutionise personal finance and help drive access to fair banking. Previously the director of European banking research at Credit Suisse, she holds a degree in Economics from the London School of Economics and a post graduate diploma in law from the University of Law, Guildford.


Monica co-founded Neyber in 2014 and pioneered a new model of borrowing that enables employers to offer loans to their employees at affordable rates. Employees apply for a loan using Neyber’s online platform and once approved their repayments are taken through salary deduction technology that integrates directly with their employer’s payroll. The technical solution adopted by Neyber has involved it working in partnership with leading global fintech suppliers such as Cloud Lending Solutions.

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Dame Suzi Leather

Dame Suzi Leather is the Chair of the Office of the Independent Adjudicator for Higher Education, a member of the General Medical Council and a lay chapter canon at Exeter Cathedral. Previous roles include chairing the Charity Commission, the Human Fertilisation and Embryology Authority, LankellyChase Foundation and Exeter and District NHS Trust. She was also Deputy Chair of the Food Standards Agency.


In 1994 Suzi was awarded the MBE for her services to agriculture and food safety and in 2006 she was awarded Dame Commander of the Order of the British Empire. She is a Deputy Lieutenant of Devon, vice president of Hospiscare and a patron of the Donor Conception Network.


Suzi has a BA degree with honours in Politics, a BPhil degree in social work and an MA in European Politics.

Photo of Sue Lewis

Sue Lewis

Sue is currently chair of the Financial Conduct Authority (FCA) Financial Services Consumer Panel. She is also: a Trustee of The People’s Pension; a consumer advocate member of the Chartered Insurance Institute Professional Standards Board; a member of the Chartered Banker Professional Standards Board; and a member of the Fairbanking Mark Assessment panel. Sue advises overseas clients on financial education, financial inclusion and financial services conduct regulation.


Sue was previously a senior civil servant, most recently as head of savings and investments at the Treasury, from 2005 to 2011.

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Rt. Hon Alun Michael

Alun Michael was appointed to the Board of Trustees in June 2014.


Alun is the Police and Crime Commissioner for South Wales, elected in November 2012 after standing down from Parliament to contest the election and re-elected in 2016. He is also a member of the National Executive (Board) of the Cooperative Party and a Trustee of the Penarth Headland Link (a charitable company).


Previously, he was the Member of Parliament for South Cardiff and Penarth from 1987 to 2012.  During that period he held office as Deputy Home Secretary, Secretary of State for Wales, Minister of State for Rural Affairs and Minister of State for Industry and the Regions. He also served as a member of the Justice Select Committee, the Welsh Affairs Select Committee and the Home Affairs Select Committee. He chaired the All-Party Group for Civil Society and Volunteering, the Parliamentary ICT Forum, the All Party Waterways Group, the All Party Group on Corporate Governance, and was Vice Chair of the All Party Group on Policing.


Before entering Parliament he was a journalist for 6 years and a Youth & Community Worker for 15 years, as well as a leading member of Cardiff City Council and Chair of the Cardiff Juvenile Bench. He has a lifelong interest in local advice services and tackling poverty.

Sir Geoff Mulcahy

Sir Geoff Mulcahy

Sir Geoff has a long and distinguished career in retailing that began in 1982 when, after working in the sugar, engineering and oil industries, he joined Kingfisher. He became group managing director of Kingfisher in 1984 and retired as chief executive in 2002 after building it into the largest non-food retailer in the UK, operating in 13 countries worldwide and overseeing the group's demerger into three quoted companies.


He was previously chairman of Javelin Group, a retail consultancy from 2003 until 2015 and chairman of the British Retail Consortium from 2006 until 2009.  He has degrees from Manchester University and Harvard Business School and has previously acted as a non-executive director on the Boards of British Telecom, Intercontinental Hotels and Chelsea and Westminster Hospital.

Chris Stern

Chris is Chairman of British Gas Insurance (BGI), a leading UK Insurer, and also holds a number of NED roles within the Centrica Group, including Chairman of British Gas Finance Ltd, a regulated Consumer Credit business.


Aside from his NED experience, Chris has been a senior executive within the Centrica Group for over 30 years, undertaking a wide range of customer facing roles including Chief Executive, BGI, and as Finance Director across a number of businesses including British Gas Services, Centrica Business Services, and the AA. During his career Chris has brought a particular focus on customer fairness and engagement in large scale business change.


Chris is a qualified accountant and is also a Pension Trustee and a Director of the Centrica Pension Investment Board.


Action Plan on Problem Debt

The consequences of debt - lost jobs, broken relationships, mental health and support needs - leads to social costs of £8.3 billion.

The Government has an opportunity to offer better help for people in debt, allowing them to get back on their feet and contributing to the economy again.

We want to see the Government rise to this challenge by committing to a Debt Action Plan.

Read more

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“I wish to thank your staff for all the great help they gave me when I was in so much debt.
They were a pillar of support to me.” (Leslie, Essex)

Foundation for Credit Counselling Wade House, Merrion Centre, Leeds, LS2 8NG trading as StepChange Debt Charity and StepChange Debt Charity Scotland. A registered charity no.1016630 and SC046263. It is a limited company registered in England and Wales (company no:2757055). Authorised and regulated by the Financial Conduct Authority.

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© StepChange Debt Charity 2017