About Us

Proudly Different. 

Shawbrook is a specialist UK savings and lending bank founded in 2011 to serve the needs of SMEs and individuals in the UK with a range of lending and saving products. At 31 December 2017 our total lending reached £4.9 billion and we have now raised more than £4.4 billion in customer deposits.

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The members of our board

Our Board is collectively responsible for the effective oversight of the Company and its businesses.

Chairman

John was appointed to the Board as Chairman in March 2018. John brings extensive financial services experience to the Board, gained through both his executive and non-executive careers. John currently serves as Chairman of ANZ Bank (Europe) Limited and is Senior Independent Director of FCE Bank.

John has previously served as Non-Executive Director of Aldermore Group plc and Mobility Operations Group plc.

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Chief Executive Officer & Director

Steve joined Shawbrook from Santander UK, where he was Executive Director and Head of UK Banking, running the bank's Corporate, Commercial, Business and Retail Banking operations as well as Wealth Management. He is a Fellow of the Chartered Institute of Bankers in Scotland.

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Chief Financial Officer & Director

Dylan joined Shawbrook in 2013 from KPMG where he spent 11 years in their Financial Services practice advising large UK and European banks. Dylan was appointed permanent CFO in February 2017 having been interim CFO from June 2016. He is a Fellow of the ICAEW and holds a dual BA Honours degree in German and Business Studies from Sheffield.

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Independent Non-Executive Director & Senior Independent Director

Robin has extensive experience of retail financial services both in the UK and internationally. He is a chartered accountant and holds a Bachelor of Arts (Hons) degree in Economics and Law from Durham University.

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Independent Non-Executive Director

Roger has over 25 years of experience in the consumer finance industry, focussing on lending to individuals. He has extensive knowledge of secured and unsecured lending, both fixed and revolving term via credit cards. Roger is a member of ICAEW and has a degree in Accountancy and Financial Analysis from Warwick University. 

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Non-Executive Director

Lindsey has over 20 years of experience as a private equity investor with a particular focus on the financial services sector. She holds a first class honours degree in Accounting and Finance from Strathclyde University. 

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Non-Executive Director

Cedric has close to 20 years of private equity experience, having led a number of investments in a variety of sectors across Europe. He holds a degree from Ecole Polytechnique, Paris.

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Independent Non-Executive Director

Paul was formerly Global Head of Group Internal Audit for HSBC. 

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Independent Non-Executive Director

Sally-Ann has a broad financial services background having worked in Life Assurance, Asset Management, Retail Banking, Bancassurance and General Insurance. Her particular strengths are in Operations, Technology and Business Transformation. 

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Independent Non-Executive Director

David has global experience in consumer lending, banking, credit card payments and risk management. Whilst a Senior Advisor at the Financial Conduct Authority and member of the Payments Systems Regulator Executive he focused on regulatory conduct issues relating to retail banking, consumer credit and payments. 

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Independent Non-Executive Director

Andrew has extensive financial services experience. He is a qualified accountant, having enjoyed a successful career at KPMG, becoming a partner in 1990 and specialising in financial services.

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Management team

Shawbrook's management team has been chosen for their experience and ability at the benefit of our customers and to ensure the future growth of the company.

Chief Executive Officer & Director

Steve joined Shawbrook from Santander UK, where he was Executive Director and Head of UK Banking, running the bank's Corporate, Commercial, Business and Retail Banking operations as well as Wealth Management. He is a Fellow of the Chartered Institute of Bankers in Scotland.

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Chief Operating Officer

Angela joined Shawbrook as COO in November 2016. For the previous 8 years she worked at Santander where she was part of the team that built its Corporate & Commercial Banking business and most recently headed up the Operations and Control function for the UK Banking Division which spanned across the Retail, Wealth and Business Banking segments.

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Chief Financial Officer & Director

Dylan joined Shawbrook in 2013 from KPMG where he spent 11 years in their Financial Services practice advising large UK and European banks. Dylan was appointed permanent CFO in February 2017 having been interim CFO from June 2016. He is a Fellow of the ICAEW and holds a dual BA Honours degree in German and Business Studies from Sheffield.

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Managing Director, Consumer Lending

Evelyn joined Shawbrook in January 2016 from Lloyds Banking Group where she has held a number of roles since 2007, most recently as Director of Lloyds Personal Loans. Prior to this, Evelyn held senior roles at Banco Santander credit card business and at Barclays.

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Managing Director, Business Development

Prior to joining Commercial First Mortgages, Philip, a qualified banker, had been the Managing Director of First National Bank — the leading finance house and specialist lending arm of Abbey National plc. His career with First National spanned over 30 years, culminating in becoming Managing Director in 1997 and CEO in 2000.

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General Counsel & Company Secretary

He qualified as a solicitor in 1995 and worked in commercial private practice in the City for nine years, first with Linklaters LLP then Macfarlanes LLP. In 2004, he became the first in-house lawyer for Commercial First Mortgages Limited, joining its Board as Legal Director a year later. Daniel transferred to Shawbrook in 2011, as part of the Commercial First management team.

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Chief Risk Officer

Prior to joining Shawbrook, Hugh worked in various Credit and Risk roles at GE Capital, the finance arm of General Electric Inc. He joined GE in 2003 and notable roles he performed there were the Chief Risk Officer for the Factoring and ABL Platforms in Europe, being the Chief Credit Officer of GE Capital UK, the Head of Enterprise Risk and, most recently, the Chief Risk Officer of GE Capital UK.

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Group HR Director

Debbie joined Shawbrook as Group HR Director in May 2016 from SocGen where she was for 5 years; latterly in the position of Head of HR for EMEA. Prior to SocGen Debbie spent time at a number of Financial Institutions including Rabobank, Commerzbank and JP Morgan. She started her career with ICI in the North East.

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Managing Director, Business Finance

Taking responsibility for the Business Finance Division in the spring of 2017, Ian brings a depth of SME banking experience to Shawbrook after leading the largest business banking franchise in the UK via a number of senior leadership roles at RBS, including CEO Business & Commercial Banking, Chairman of SME Banking at NatWest and most recently as Managing Director of Lombard Asset Finance and RBS Invoice Finance.

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Managing Director, Commercial Mortgages

Karen Bennett is Managing Director of the Shawbrook Commercial Property business which has built a strong reputation for combining award-winning products with a practical approach to service. With nearly two decades of experience within the mortgage industry, Karen began her career as an underwriter before progressing into senior management roles in Sales & Marketing, both for Commercial First and Shawbrook Bank. As Managing Director, Karen is responsible for all elements contributing to the performance of this large business, driving all strategic initiatives, exploring complimentary market opportunities, and embedding a strong culture across the expert Commercial team.

Managing Director, Residential Mortgages

Jeremy joined Shawbrook in September 2017, having most recently run the distribution arm of Post Office Financial Services. He has worked in a number of specialist lenders/building societies including Bradford and Bingley and Yorkshire Building Society. He started his career in Barclays in a number of roles in Retail Banking including product, marketing and distribution.

Our markets

Consumer

We provide tailored finance and savings products directly to consumers and through strategic partners. We use efficient systems, combined with human oversight to underwriting and the latest technology to give fast and fair credit decisions with transparent pricing.

Business Finance

We primarily finance soft and business critical assets operated by established UK SME and specialist businesses. In addition, we provide finance to smaller UK financial institutions through wholesale and block facilities.

Property Finance

We provide finance to the specialist residential investment and commercial property market and to professional property investors and SME owner-occupiers. In addition, we provide second-charge mortgages to consumers.

Shawbrook's commitment to diversity in the workplace

Fundamental to our success and future growth strategy is our relationship focus which puts the interests of our customers and business partners at the heart of everything we do. In order to reflect the diversity of our UK customer base we recognise the need to establish an inclusive and sustainable culture.

As part of our commitment to gender balance, we've created an aspirational gender balance range for how many men and women we believe should hold senior management roles at Shawbrook. We have set this at 40% female for our Executive Committee and their direct reports. The good news is that we are already performing well in this area: Over 30% per cent of our Executive Committee is female – which is  already above the 27 per cent* average seen across the first 71 UK financial services firms to sign up to the HM Treasury Women in Finance Charter.

However, it's not just about recruiting women in to positions or just equipping women with the right skills to progress within Shawbrook. We're focussed on ensuring that all the initiatives we put in place are gender neutral so all Shawbrook employees, regardless of gender, can benefit from them.

As a signatory of HMT's Women in Finance Charter we have made these pledges:

  1. To continue to have an Executive Sponsor for Gender Balance who is responsible and accountable for gender diversity and inclusion. Debbie Griffin, our HR Director will take this role.
  2. To set gender balance ranges for the number of men and women we will aim to have at senior manager level by 2020. This includes the Executive Committee and direct reports of the Executive Committee.
  3. To annually publish our progress towards these long-term gender balance ranges.
  4. Our gender balance targets will be included within Executive Committee members' performance agreements at Shawbrook from 2017 onwards, which are used as a key determinant of performance related pay.

*Source: HM Treasury Women in Finance Charter: Leading the way.

Financial performance

We are required under the Capital Requirements (Country-by-Country Reporting) Regulations 2013 to disclose certain information for each country in which we operate. Shawbrook Bank Limited is based solely in the UK, therefore all information for the UK is contained in our 2017 Annual Report and Accounts.

Tax Strategy

The Shawbrook Group (‘Shawbrook’) is predominantly a UK banking group with a small operation in the Channel Islands. We are a growing UK specialist bank that challenges the conventional approach of the mainstream banks, with our thoughtful and good-sense approach to the way we do business.

From a tax perspective, the operation of our business is focused on maintaining the Group’s reputation as a fair contributor to the UK economy which applies tax law in good faith and in the spirit in which it is intended.

Shawbrook Group Limited regards the publication of this tax strategy as complying with the duty under paragraph 16(2) of Schedule 19 of the Finance Act 2016 to publish the group tax strategy in the current financial year.

Shawbrook has adopted, and complies with, HMRC’s Code of Practice on Taxation for Banks (the ‘Code’). In line with the ‘Code’ we have documented our strategy and governance process for tax matters within our tax policy (the ‘Policy’). The ‘Policy’ is overseen by the Board, who has delegated this to the Board Audit Committee. The Chief Financial Officer (CFO) has primary responsibility for the ‘Policy’ and all other taxation related matters, and is assisted by the Head of Tax.

Given the financial sector in which we operate, the nature and scale of our business, and the volume and complexity of the tax legislation, tax risks arise. The tax risk appetite statement from the ‘Policy’ seeks ‘to ensure the Group operates with low tolerance for tax risk exposures and ensures that full compliance with the spirit (and letter) of all relevant legal requirements by ensuring staff are properly trained, procedures are documented and supervisory controls are in place to ensure that the controls continue to operate effectively’.

As required by the ‘Policy’, Shawbrook aims to pay the right amount of tax at the right time. The ‘Policy’ requires that all transactions must have a commercial purpose and that tax evasion or aggressive planning are not acceptable under any circumstance.

We seek external advice in areas of technical uncertainty, either in the application of the legislation or its interpretation. This applies to areas of new and existing business. In relation to any tax planning, its main focus is to ensure that any proposed transaction complies with the letter and spirit of tax law, and does not provide benefits which cut across the intentions of Parliament.

Shawbrook seeks to work in partnership with HMRC by maintaining an open, honest and constructive relationship in relation to its tax dealings. This enables us to meet the objectives of the ‘Code’ and the ‘Policy’ and to ensure that we maintain our low-risk tax assessment. When faced with any contentious or uncertain areas, we engage with HMRC on a ‘real-time’ basis to minimise any potential tax risks and to provide greater certainty for our tax return filing position.

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