Executive team

Find out more about each of the members of our strong core team here.

Jens Bech

Jens Bech

Group Commercial Director

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Jens Bech

Group Commercial Director

Experience and qualifications:

Jens joined OSB as Chief Risk Officer in 2012, before becoming Group Commercial Director in 2014. Jens joined from the Asset Protection Agency, an executive arm of HM Treasury, where he held the position of Chief Risk Officer.

Prior to joining the Asset Protection Agency, Jens spent nearly a decade at management consultancy Oliver Wyman Limited where he advised a global portfolio of financial services firms and supervisors on strategy and risk management. Jens led Oliver Wyman Limited’s support of Iceland during the financial crisis.

Jason Elphick

Jason Elphick

Group General Counsel and Company Secretary

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Jason Elphick

Group General Counsel and Company Secretary

Experience and qualifications:

Jason joined OSB in June 2016. He has over 25 years of legal private practice and in-house financial services experience.

Jason’s private practice experience was primarily in Australia with King & Wood Mallesons and in New York with Sidley Austin LLP. He has been admitted to practice in Australia, New York and England and Wales.

Jason’s previous in-house financial services experience was as Director and Head of Bank Legal at Santander Group in London. Prior to this, he held various roles at National Australia Bank Limited, including General Counsel Capital and Funding, Head of Governance, Company Secretary and General Counsel Product, Regulation and Resolution.

Jon Hall

Jon Hall

Group Managing Director, Mortgages

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Jon Hall

Group Managing Director, Mortgages

Experience and qualifications:

Jon joined OSB in November 2021. Jon has significant experience within the financial services sector and joined the Group from Aspinall Financial Services, a pre-authorisation bank start-up, having previously led Masthaven Bank from 2016 to early 2021 as their Chief Commercial Officer and Deputy Chief Executive Officer (CEO).

Jon started his career with PwC, before joining Aviva plc and subsequently became CEO of Saffron Building Society. Jon is a Fellow of the Institute of Chartered Accountants in England and Wales.

Peter Hindle

Peter Hindle

Interim Group Chief Information Officer

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Peter Hindle

Interim Group Chief Information Officer

Experience and qualifications:

Peter joined OSB in 2017 driving a substantial IT change programme. In 2019 he was appointed to lead the post-merger integration of OneSavings Bank and CCFS. He was appointed as Interim Group CIO in April 2022.

Peter has over 30 years’ experience working in IT and Change across a range of market sectors. Having worked in an IT advisory capacity with Accenture and PWC, he worked extensively as an interim IT and Change leader and consultant serving financial services clients including Barclay’s, NatWest and Deutsche Bank. He has held IT leadership positions in a range of organisations including Bradford & Bingley, Adidas, Merlin Entertainments, FirstAssist, and John Charcol.

Victoria Hyde

Victoria Hyde

Deputy Chief Financial Officer

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Victoria Hyde

Deputy Chief Financial Officer

Experience and qualifications:

Victoria joined OSB in September 2022. Prior to joining OSB, Victoria worked for Barclays for 21 years, most recently as Finance Director of the Consumer, Cards and Payments segment.

Victoria is a qualified Chartered Management Accountant and has worked for over 25 years in Finance. She has supported Retail, Corporate and Investment Banking business lines across a range of Finance roles including Product Control, Treasury Finance, Costs and Business Planning and Analysis.

Hasan Kazmi

Hasan Kazmi

Group Chief Risk Officer

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Hasan Kazmi

Group Chief Risk Officer

Experience and qualifications:

Hasan joined OSB in September 2015 as Chief Risk Officer. He became Group Chief Risk Officer in 2021.

Hasan has over 25 years of risk experience having worked at several financial institutions, including Barclays Capital, Royal Bank of Canada and Standard Chartered Bank.

Prior to joining OSB, he was a Senior Director at Deloitte LLP within the Risk and Regulatory practice with responsibility for leading the firm’s enterprise risk, capital, liquidity, recovery and resolution practice. Hasan graduated from the London School of Economics with a MSc in Systems Design and Analysis and a BSc in Management.

Clive Kornitzer

Clive Kornitzer

Group Chief Operating Officer

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Clive Kornitzer

Group Chief Operating Officer

Experience and qualifications:

Clive joined OSB in 2013. Clive has over 25 years of financial services experience, having worked at several financial organisations including Yorkshire Building Society, John Charcol Limited and Bradford and Bingley plc.

Prior to joining OSB, Clive spent six years at Santander Group where he was the Chief Operating Officer for the intermediary mortgage business. He has also held positions at the European Financial Management Association and has been the Chair of the FS Forums Retail Banking Sub-Committee. Clive is a Fellow of the Chartered Institute of Bankers.

Lisa Odendaal

Lisa Odendaal

Group Chief Internal Auditor

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Lisa Odendaal

Group Chief Internal Auditor

Experience and qualifications:

Lisa joined OSB in April 2016. Prior to joining OSB, Lisa worked for Grant Thornton LLP where she was an Associate Director responsible for leading several outsourced audit functions within its Business Risk Services division.

Lisa is a qualified Chartered Internal Auditor and has over 25 years of internal audit and operational experience gained in the UK, UAE and Switzerland, having worked at several financial institutions, including PwC, Morgan Stanley Group, HSBC and Man Group plc.

Paul Whitlock

Paul Whitlock

Group Managing Director, Savings

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Paul Whitlock

Group Managing Director, Savings

Experience and qualifications:

Paul joined OSB in October 2019, following the Combination with CCFS.

Paul was an Executive of Charter Savings Bank. Paul brings specialist knowledge of the savings market and is responsible for all aspects of the Group’s savings strategy, products, propositions, sales, distribution and operations.

With over 20 years of UK and international experience in the retail banking industry, including senior positions at First Direct, HSBC and Shawbrook Bank Limited, Paul has extensive experience delivering banking products to the consumer market.

Richard Wilson

Richard Wilson

Group Chief Credit and Compliance Officer

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Richard Wilson

Group Chief Credit and Compliance Officer

Experience and qualifications:

Richard joined OSB in 2013. Prior to joining OSB, Richard was head of the credit function for Morgan Stanley Group’s UK origination business and subsequently looked after the Credit and Collections strategy within its UK, Russian and Italian businesses.

Between 1988 and 2006, Richard held various roles at Yorkshire Building Society, including the position of Mortgage Application Centre Manager.