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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


Sir Hector Sants

(Chair of the Board)

Sir Hector Sants is Chair of Julius Baer International, a leading wealth manager and is a member of the UK’s Financial Capability Board and a Trustee of Just Finance.

Previous roles include Chief Executive of the Financial Services Authority, member of the interim Financial Policy Committee of the Bank of England, Vice Chair of the management consultant Oliver Wyman, Chair of the Oxford University Business School and non-executive director of an NHS Trust.

He has a MA from Oxford University and in 2013 was knighted for Services to Financial Services and Regulation.


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.




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.

A member of the Policy Advisory Board at the Social Market Foundation, he is a Trustee at the Kaleidoscope Diversity Trust and the Centre for Economic Policy Research, and chairs the Risk, Audit and Compliance Committee at Australian supermarket Coles.




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 Hill 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.


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.


Dame Suzi Leather

Dame Suzi Leather is Chair of the LankellyChase Foundation, a member of the General Medical Council and a non-executive director of the United Kingdom Accreditation Service. She is also a patron of the Donor Conception Network. Suzi was Chair of the Charity Commission from 1 August 2006 to 31 July 2012. From 2002-2006 she chaired the Human Fertilisation and Embryology Authority.

Previous roles include Senior Research Officer for Consumers in Europe, Chair of Exeter and District NHS Trust and 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.

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


Sue Lewis

Sue Lewis is Chair of the FCA’s Financial Services Consumer Panel. She is a Trustee of The People’s Pension, a consumer advocate member of the Chartered Insurance Institute Professional Standards Board; an independent member of the Chartered Banker Professional Standards Board; and a member of the Fairbanking Mark Assessment panel.

She advises overseas clients on financial education, financial inclusion and financial services conduct regulation.

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




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.


Chris Stern

Chris Stern, FCCA, FCMI, is currently the Chairman of British Gas Insurance and holds a number of Non-Executive Director roles within the Centrica Group.

Chris is a pension trustee and a Director of the Centrica Pension Investment Board and has previously held a number of senior executive positions within the Centrica Group over the last 30 years.

He is a qualified accountant and a Licensed Lay Minister.


Josh Bell

Josh Bell 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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