An experienced business leader and non-executive director with extensive expertise in consulting, retail banking, mortgages, cards and payments. Strong track record of success in formulating and executing strategic plans, along with a proven ability to go into new businesses to fix problems and turnaround business performance. A credible board-level influencer, I am a non-executive director at Scotcash and Lowther Homes and a member of the audit committee at Wheatley Homes. I was previously the Vice Chair of the UK Finance Scotland Committee and is a former non-executive director at Payments UK. Throughout my career, I have demonstrated a talent for successfully managing acquisition and disposal activity. I am culturally sensitive, good at building effective teams and experienced in running multi-national businesses