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Corporate Information

The Board of Directors

You can contact the Society's Board of Directors on

  • Andrew Craddock

    Chief Executive

    Andrew has thirty years experience in the Financial Services Sector. He joined Barclays Bank on an accelerated training programme after leaving university and worked in the branch network for a number of years as a Relationship Manager then moved to Head Office managing various projects and supporting the Group Chief Executive Officer with strategy and planning. In 2004 he joined Allied Irish Bank in the UK and as their Chief Operating Officer played a pivotal role in managing the bank through the financial crisis and back to profitability. He joined the Society in December 2014 and was appointed Chief Executive Officer in March 2015.

  • Rajesh Patel

    Finance Director

    Rajesh is a qualified Chartered Certified Accountant and has, since 2003 worked in Financial Services. His main focus has been in Financial Control across various disciplines including Private Banking, Asset Management, Consumer and Commercial Banking. Rajesh formerly was Country Financial Controller (based in the Channel Islands) for Citibank, one of the world’s largest financial institutions. Now living in Marlow with his family, Rajesh joined the Society as Finance Director and was appointed to the Board in May 2010.

  • Robin Bailey


    Robin is a former Divisional Director of Nationwide Building Society and served on the boards of a number of its subsidiary companies. Robin has extensive experience of the building society sector in particular and of financial services in general. He is Vice Chairman of a company limited by guarantee, which operates a Gloucestershire Academy school. Robin joined the Board as a non executive director in December 2011 and was elected Chairman of the Board in May 2013.

  • Christine Higgins

    Non Executive Director

    Christine is a Chartered Accountant with 25 years experience in financial services working for UK and international banks.  She is now a non-executive director on a number of boards, including Chair of Audit and Risk for a large housing association.  After leaving University, Christine worked as an accountant in public practice and in financial services before moving into corporate finance, developing businesses in Europe and the US.  Christine joined the Society as a non-executive director in March 2016 [and was appointed Chair of the Audit Committee in May 2016].

  • Eric Leenders

    Non-Executive Director

    Eric has over thirty years’ experience as a retail banker, including successful spells as a branch and business manager. A Chartered Banker holding an MSc in Banking Practice and Management, he is a Managing Director at the British Bankers’ association, and is a director of the Lending Code Standards Board and a non-executive director of Registry Trust Limited. Eric is also involved in a non-executive capacity with the Department of Work and Pensions’ Credit Union Expansion Project and the Department for Business Innovation & Skills’ Community Development Finance Association Regional Growth Fund. He lives in Brighton and was appointed to the Board as a non-executive director in April 2014, and elected Chairman of the Culture and Conduct Committee in July 2014.

  • Ian Powell

    Non-Executive Director

    Ian has been a resident of Chorleywood for twenty two years and a Barrister for thirty two years. After completing pupillage he moved into industry and has worked in a variety of roles, as both employee and consultant, in a number of different sectors including leisure hospitality, brewing, hotels, gaming, engineering, defence, utilities, property and private equity, including serving on the boards of subsidiary companies. His most recent role was as General Counsel and Company Secretary of a FTSE 250 leisure retail group, where he was responsible for legal affairs, company secretarial issues, crisis management, public affairs, insurance and claims, intellectual property, internal audit and risk management. He is also a graduate mentor, and has previously served as a non executive director of a firm of Trade Mark agents. He joined the Board of the Society in May 2009 and is currently Chairman of the Risk Committee.

  • Robert Sinclair

    Non-Executive Director

    Robert joined the Board on 29 April 2015 bringing a wealth of experience in the banking and financial services sector. Having worked for HSBC and Santander in branch, commercial and private banking he is a Fellow of the Chartered Institute of Bankers. He is Chief Executive of the Association of Mortgage Intermediaries (AMI) which he established as an independent entity in 2012. AMI is a noncommercial, not-for-profit trade body which exists solely to bring about a better business environment for its members, by lobbying Treasury, FCA, government, the EU and other opinion formers and policymakers. Robert was a Director of the former parent trade body, AIFA, from 2006. Robert lives in Northamptonshire.

  • Stephen Nichols

    Non-Executive Director

    Steve was formerly Head of Treasury at Britannia Building Society and a Trustee of the Britannia Pension Scheme for ten years. He holds professional qualifications in Treasury, Banking and as a Chartered Secretary. With over twenty years in the building society sector, Steve brings a wealth of experience of the sector and specifically of finance and treasury matters. Residing near Leek, Staffordshire, he is Chief Executive Officer of a registered charity based in Cheshire. Having joined the Board as a non-executive director in February 2012, Steve now serves as Vice-Chairman of the Board, Chairman of the Remuneration Committee and also holds the position of Senior Independent Director.