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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.

In this section

 
Chris Wood

Chris Wood

Chris joined the StepChange Board in February 2021. He has significant Financial Services, Lending and Payments experience, and is a qualified chartered accountant.

For the last 15 years he has run scale businesses and functions for Barclays and Barclaycard in the UK, Europe and North America, and he has extensive experience in both Executive and Non-Executive roles.

Prior to Barclays, Chris worked as a consultant for Accenture for ten years with clients in Europe, North America and Australasia specialising in Financial Services.

Chris currently leads the SMB business segment within FIS’s International Merchant Services Division including WorldPay in the UK and ROI.

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Christ Stern

Chris Stern

Chris Stern, FCCA FCMI, joined the StepChange Board in 2016 and is the Board’s Senior Independent Director. He has significant Financial Services and Customer Service experience gained across a range of roles and sectors in both senior Executive and Non Executive roles.

In addition to his role at StepChange, he is also a Non Executive Director on the Centrica Pension Investment Board, and a senior Pension Trustee. He also holds a number of trustee positions with the youth charity YMCA, and is on the boards of National YMCA E&W, and St Paul’s Group.

Chris previously held a number of senior Executive and Non Executive positions within the Centrica Group. These include Chairman of British Gas Insurance and British Gas Finance Ltd ( regulated Consumer Credit provider) and NED of British Gas Services and Home Assistance UK Ltd, both regulated Financial Service intermediaries.

He also held a number of senior Executive positions within the Centrica Group including Divisional Chief Executive and Finance Director roles, within the Financial Services, Customer and Retail Services, and Automotive, sectors.

Chris is a qualified accountant and a Lay Minister within the Church of England.

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David Coates

David Coates

David Coates, a graduate of Manchester University, has extensive experience in developing businesses in the financial services sector. Currently a non-executive director of several companies he advises smaller financial service businesses at board level.

He previously managed Experian’s Business Information and Consumer Information divisions and was a founding and managing director of Callcredit.

As the Chief Executive of the Davenham Group plc, he took the group public and has also acted as non-executive director of the Richmond Group and as Chair of Amigo Loans Ltd.

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John Fingleton

John Fingleton

John Fingleton is founder of Fingleton Associates, a strategic advice and insight company.

He ran the Irish Competition Authority before becoming Chief Executive of the Office of Fair Trading from 2005 to 2012. He has taught at the London School of Economics, Trinity College Dublin and the University of Chicago and wrote and taught game theory and the economics of industry and regulation.

John is a member of the Policy Advisory Board at the Social Market Foundation, he is a Trustee at the Centre for Economic Policy Research, he chairs the Executive Risk Committee at Coles, an Australian Supermarket, and he is a board member of the Council of Innovate UK.

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Tim Frost

Tim Frost

Tim joined the StepChange Board in 2017 and is Chair of the Audit & Risk Committee.

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

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.

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Andy Hill

Andy Hill

Andy Hill is Chair of the Voluntary Arrangements Subsidiary Board, and Independent Non Executive Director of the Equity Release Subsidiary Board at StepChange. He is retired from his role as CEO at Damart UK and member of Damartex SA Group Board, and recently completed a stint as interim MD at Coopers of Stortford. He is now focusing on non-executive director responsibilities, primarily with StepChange.

A qualified accountant, he has extensive experience in the mail order and retail industries having previously worked for Next, Redcats and the Lennons Group, with direct board responsibility across a range of disciplines including finance, marketing, customer services and IT.

He previously served as director of the UK Direct Marketing Association and Chairman of its Home Shopping Council.

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Monica Kalia

Monica Kalia

Monica joined the StepChange Board in 2017. She is a non-executive director, trustee and business advisor with board experience in financial services, public policy and sustainability.

Monica is an Advisor to Clim8, the first fintech platform focused exclusively on investing for climate impact. She also works across the UK fintech ecosystem, advising start-ups and their founders – with a particular focus on advising and supporting female founders.

She is the Co-Founder of Neyber, a multi-award-winning Fintech firm focused on financial wellbeing. Neyber is included in KPMG’s 2018 list of top 50 established global Fintech companies and was awarded "Ethical Financial Services Provider of the Year" at the Money Age Awards.

Formerly, Monica was the Co-Head of the European Banks Equity Research team at Goldman Sachs. She is a regular speaker at Global Fintech conferences, sharing her perspective on financial inclusion, innovation and disruption in financial services.

Monica was recognised by Forbes as one of the top female leaders in Fintech, included in Women in Fintech Power List by Innovate Finance UK and is listed as one of the Top 100 most influential BAME leaders in UK tech by the Financial Times & Inclusive Boards.

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Dame Suzi Leather

Dame Suzi Leather

Dame Suzi Leather is Chair of the Office of the Independent Adjudicator for Higher Education and also chairs the Devon Sustainability and Transformation Partnership. She is a member of the General Medical Council and is a patron of the Donor Conception Network.

Previous roles include chairing the Charity Commission, the Human Fertilisation and Embryology Authority, the LankellyChase Foundation and the School Food Trust. She was also a non-executive director of the United Kingdom Accreditation Service.

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.

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

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Sue Lewis

Sue Lewis

Sue Lewis is Chair of the Remuneration Committee at StepChange. Her other Board roles include Trustee Director at award winning master trust The People’s Pension, and Trustee of Surviving Economic Abuse and The Fairbanking Foundation.

Sue is also a member of the European Insurance and Occupational Pensions Authority's Occupational Pensions Stakeholder Group. Sue chaired the FCA’s Financial Services Consumer Panel until December 2018. She advises overseas clients on financial education, financial inclusion and financial services consumer protection regulation.

Previously a senior civil servant, from 2005 to 2011 she was Head of Savings and Investments at the Treasury.

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Rt. Hon Alun Michael

Rt. Hon Alun Michael

The Rt. Hon Alun Michael is the Police and Crime Commissioner for South Wales. He is a member of the National Executive (Board) of the Cooperative Party, a Trustee of the Penarth Headland Link (a charitable company) and a Trustee of South Wales Police Youth Trust (also a charity).

He was Member of Parliament for South Cardiff and Penarth from 1987 to 2012, during which time 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.

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Josh Bell

Josh Bell

Josh joined the Stepchange Board in 2018.

He is a General Partner at Dawn Capital, a FinTech-focused venture capital firm, leading their investments in transformative financial technologies across the UK and Europe.

Before co-founding Dawn in 2007, Josh worked with McKinsey & Company, specialising in financial services and leading McKinsey’s support for the World Economic Forum’s financial services knowledge initiatives and activities.

He was a Graduate Scholar at Oxford University in Mathematics, a Research Fellow at Harvard University specialising in Economics and Game Theory and studied further postgraduate statistics at Cambridge University.

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John Griffith-Jones

John Griffith-Jones

John was appointed Chair of StepChange Debt Charity in January 2019. He served as the inaugural Chair of the Financial Conduct Authority from 2013 to 2018, during which time the FCA took on responsibility for regulating consumer credit.

Previously, John had a career at KPMG, culminating in him becoming their UK Chairman and Senior Partner, and also Chairman of their European, Middle East and Africa region.

John is currently a Governor of Brentwood School, sits on the audit committee of Eton College, and is a trustee of the Rifles Volunteer Trust.

He is also a Deputy Lieutenant in Essex. John was formerly Vice Chairman of the National Numeracy Trust.

John studied Economics at Trinity Hall, Cambridge. He is a chartered accountant and he was an officer in the Territorial Army for 14 years.

As well as the Board, John also chairs the Nomination Committee at StepChange.

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Helen Dean

Helen Dean CBE

Helen joined the StepChange Board in 2019 and is Chair of the Remuneration Committee.

She has a strong background and long-standing interest in addressing financial inequalities and promoting financial resilience.

Working in the Department for Work & Pensions, she was one of the architects of the UK’s automatic enrolment programme and a leading figure in establishing the National Employment Savings Trust (NEST).

Since 2015 Helen has been the CEO of NEST, with over 10 million members, now the largest pension scheme by membership, in the UK.

Helen is also a member of the Council of Scholar Advisors, Centre for Recruitment Initiatives, Georgetown University in Washington, a Governor of the Pensions Policy Institute UK and a member of the Advisory Board to the Money and Pensions Service.

Helen was awarded a CBE in the 2021 New Year Honours list for her services to pension saving.

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Lesley Titcombe

Lesley Titcomb CBE

Lesley joined the StepChange Board in 2019.

She is an independent non-executive director of National Bank of Kuwait International, of Legal and General Financial Advice and of Pay.UK. She is also a Governor of the University of Hertfordshire.

She was previously Chief Executive of the Pensions Regulator.

Lesley has worked in many different roles in financial services regulation since 1992 and before joining TPR was Chief Operating Officer of the FCA from 2010 to 2015.

She is also a qualified Chartered Accountant.

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Nick Caplan

Nick Caplan

Nick joined the StepChange Board in 2019. He brings technology, strategy and operational experience from a broad range of sectors.

Most recently he co-founded Ordo which provides an open banking payments platform to help people gain better control of their payments.

Nick is a Director of Vitality Life and Health and Covea Insurance, and Chair of AND Digital and Pay Later Group.

Significant prior roles included Chair of Faster Payments, a key part of the UK’s payments infrastructure; Chair of MyCSP a public sector pensions administrator and an executive director of Logica, a major IT services company.

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Yvonne MacDermid

Yvonne MacDermid OBE

Yvonne joined the StepChange Board in June 2021. She has been involved in credit and debt matters for 34 years, and stood down in 2021 after almost 24 years as Chief Executive of Money Advice Scotland.

She is passionate about the provision of debt advice and financial education, and treating customers fairly, and committed to working with government, regulators, and all parts of the credit, debt collection/purchase industries.

Yvonne is a Non Executive Board member and Director sitting on four Boards from across the public, private and voluntary sectors, including the Credit Services Association, and its subsidiary; and Money Advice Liaison Group (MALG).

She is also Trustee of Pollok Credit Union.

In 2002 Yvonne received the OBE for services to disadvantaged communities, and in 2018 she was awarded the inaugural “Women in Credit” Lifetime Achievement Award.

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