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Meet the team

Board
Executive

Each director of Paragon Banking Group PLC is also a director of Paragon Bank PLC and undertakes the same roles and sits on the same Committees for Paragon Bank PLC as they do for Paragon Banking Group PLC.

Paragon Bank PLC does not have a Nomination Committee.

Fiona Clutterbuck

Chairman

Nigel S Terrington

Chief Executive

Richard J Woodman

Chief Financial Officer

Barbara A Ridpath

Non-Executive Director

Hugo R Tudor

Non-Executive Director

Finlay F Williamson

Non-Executive Director

Graeme H Yorston

Non-Executive Director

Alison Morris

Non-Executive Director

Peter Hill

Non-Executive Director

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Fiona Clutterbuck

Fiona was appointed as a non-executive director in 2012 and became Chairman on 10 May 2018. She has many years of financial experience at leading UK and international banks, specialising in financial institutions. During her career, Fiona has held the positions of Managing Director and Head of Financial Institutions Advisory at ABN AMRO Investment Bank, Managing Director and Global Co-Head of Financial Institutions Group at HSBC Investment Bank and was a Director at Hill Samuel Bank Limited.

Fiona is an independent non-executive director of Sampo plc and M&G plc.

Fiona is the Chairman of Paragon’s Nomination Committee and a member of the Remuneration and Risk & Compliance Committees.

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Nigel S Terrington

Nigel is Chief Executive of Paragon Banking Group. Nigel’s early career began in investment banking, which included working for UBS. He joined Paragon in 1987 as Treasurer, before being appointed as Finance Director in 1992 and then Chief Executive in 1995.

He is a member of the Board of UK Finance and is the Chairman of UK Finance’s Specialist Banks Advisory Committee. Previously he was the Chairman of the Council of Mortgage Lenders ('CML'), Chairman of the Intermediary Mortgage Lenders Association (‘IMLA’), Chairman of the Finance and Leasing Association ('FLA') Consumer Finance Division and a Board member of the FLA.

Nigel is also currently a member of HM Treasury’s Home Finance Forum and the Bank of England’s Residential Property Forum. He is also an associate of the Chartered Institute of Bankers.

In 2017, he received an Honorary Doctorate from Birmingham City University for services to the finance industry.

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Richard J Woodman

Richard was appointed to the Board as Director of Corporate Development in 2012 and became the Chief Financial Officer in June 2014.

He is a member of the Chartered Institute of Management Accountants.

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Barbara A Ridpath

Barbara Ridpath was appointed as a non-executive director in 2017. She has worked in finance for most of her career, in New York, London and Paris at the Federal Reserve Bank of New York, Standard & Poor’s and JPMorgan.

She was instrumental in the development of UK mortgage securitisation in the late 1980s and went on to lead the Standard & Poor’s Ratings Group in Europe, the Middle East and Africa.

She is currently Director of St Paul’s Institute which examines moral and ethical aspects of finance and economics. She is also a non-executive director of ORX, a trade association for operational risk professionals, a member of Council and the Executive Committee at Chatham House, the Royal Institute of International Affairs and a commissioner of the Marshall Aid Commemoration Commission.

She is a member of the Audit, Nomination and Risk & Compliance Committees.

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Hugo R Tudor

Hugo was appointed as a non-executive director in 2014. He spent 26 years in the fund management industry, originally with Schroders and most recently with BlackRock, covering a wide range of UK equities. He is a Chartered Financial Analyst and a Chartered Accountant and brings an investor perspective to the Board.

Hugo is a Director of Damus Capital Limited and Vitec Global Limited.

He is Chairman of the Remuneration Committee and is the Senior Independent Director. He is also a member of the Audit and Risk & Compliance Committees.

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Finlay F Williamson

Finlay was appointed as a non-executive director of Paragon Banking Group PLC in September 2017 having been on the Board of Paragon Bank PLC since November 2014. Finlay Williamson was Finance Director of Virgin Money between 2009 and 2014, where he was responsible for supporting the design and delivery of the company’s growth strategy, including the assessment of potential markets, the development of key propositions and the pursuit of non-organic opportunities.

Prior to joining Virgin Money, Finlay had a long career at Royal Bank of Scotland where he held a number of senior finance roles, latterly as Finance Director for the Bank’s Manufacturing and Retail Direct divisions. Finlay is a Chartered Accountant and also a non-executive director of Hampden & Co PLC.

He is the Chairman of the Risk & Compliance Committee and a member of the Audit Committee.

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Graeme H Yorston

Graeme was appointed a non-executive director in September 2017. Prior to this he was Group Chief Executive of Principality Building Society, the 6th largest mutual in the UK. He has over 43 years’ experience in financial services having carried out a number of senior roles in Abbey National, including IT Director for the Retail Bank, Regional Director and running a number of significant change programmes. He also led the call centre operations.

Graeme serves on the Board of Governors at Cardiff Metropolitan University. He has served on the CBI Council for Wales, the Board of Business in the Community in Wales and was HRH Ambassador for BITC in Wales for two years. He was awarded Director of the Year in Wales by the Institute of Directors in 2016.

Graeme is a Fellow of The Chartered Institute of Banking, holds an MBA from Warwick Business School and was awarded an Honorary Doctorate in Business Administration from Cardiff Metropolitan University in 2017.

He is a member of the Nomination, Remuneration and Risk & Compliance Committees.

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Alison Morris

Alison Morris was appointed as a non-executive director in March 2020. Alison is a qualified accountant and recently retired as a partner in PwC's Financial Services Assurance Practice. She joined PwC in 1982 and spent her entire career with the organisation in a range of internal and external audit roles across the Asset and Wealth Management practice and Banking and Capital Markets business unit. She has led audit projects for a range of banking clients, as well as companies across the FTSE 100 and FTSE 250, and has held a number of leadership roles within PwC including sitting on the Executive Management team which led the Assurance practice.

Alison is also a non-executive director of Vanquis Bank Limited, part of the Provident Financial Group.

She is also Board member and Chair of the Audit Committee of the Conservatoire for Dance and Drama, a formal collaboration among six member schools committed to the delivery of education and specialist vocational training in the performing arts.

She is Chair of the Audit Committee and a member of the Remuneration and Risk & Compliance Committees.

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Peter Hill

Peter was appointed as a non-executive director of Paragon Banking Group PLC in October 2020.  Peter was previously the CEO of Leeds Building Society from 2011 until his retirement in 2019.  He is currently a non-executive director and Chairman of the Risk Committee for Pure Retirement Limited and is the Chairman of Mortgage Brain.

Peter is also a member of Paragon’s Risk and Compliance Committee and Audit Committees.  He will become Chair of Paragon’s Risk and Compliance Committee with effect from 31 December 2020 to allow for a managed and orderly transition from the current chair, Finlay Williamson.

Nigel S Terrington

Chief Executive

Richard J Woodman

Chief Financial Officer

Richard C Rowntree

Managing Director - Mortgages

Dave Newcombe

Managing Director - Commercial Lending

Michael Helsby

Strategic Development Director

Pam Rowland

Chief Operating Officer

Peter Shorthouse

Treasury and Structured Finance Director

Deborah Bateman

External Relations Director

Anne Barnett

People Director

Marius Van Niekerk

General Counsel & Company Secretary

Ben Whibley

Chief Risk Officer

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Nigel S Terrington

Nigel is Chief Executive of Paragon Banking Group. Nigel’s early career began in investment banking, which included working for UBS. He joined Paragon in 1987 as Treasurer, before being appointed as Finance Director in 1992 and then Chief Executive in 1995.

He is a member of the Board of UK Finance and is the Chairman of UK Finance’s Specialist Banks Advisory Committee.  Previously he was the Chairman of the Council of Mortgage Lenders ('CML'), Chairman of the Intermediary Mortgage Lenders Association (‘IMLA’), Chairman of the Finance and Leasing Association ('FLA') Consumer Finance Division and a Board member of the FLA.

Nigel is also currently a member of HM Treasury’s Home Finance Forum and the Bank of England’s Residential Property Forum.  He is also an associate of the Chartered Institute of Bankers.

In 2017, he received an Honorary Doctorate from Birmingham City University for services to the finance industry.

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Richard J Woodman

Richard was appointed to the Board as Director of Corporate Development in 2012 and became the Chief Financial Officer in June 2014.

He is a member of the Chartered Institute of Management Accountants.

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Richard Rowntree

Richard joined Paragon in January 2020. In his previous role he was the Managing Director of Mortgages for Bank of Ireland and he has almost three decades of Retail Banking leadership experience across five major UK banks.

Richard joined the UK Finance (previously CML) Mortgage Product and Service Board in 2016 and became Chairman in 2019. Richard is currently Chairman of the Buy-to-let Committee for UK Finance and remains a Board member.

Richard is associate member of Charted Institute of Bankers and hold an honours degree in financial services. He is also non-executive Board Member for Estuary Housing Association.

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Dave Newcombe

Dave is Managing Director of Commercial Lending and is responsible for Asset Finance, Development Finance, Structured Lending and Motor Finance. He joined the Group in 1988 and has worked across the business in various roles including Idem Capital and Consumer Operations.

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Michael Helsby

Michael joined Paragon in August 2018 as Strategic Development Director and is also responsible for savings.

Previously he was Co-Head of European Bank Equity Research at Bank of America Merrill Lynch, specialising in UK bank research since 2001.

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Pam Rowland

Pam joined the Group in 2014 as Chief Operating Officer with three key areas of responsibility: delivering high quality operational and technology services, implementing strategy and driving change and transformation. Prior to joining the Group, Pam worked in a variety of financial services executive level roles. These included Managing Director of Change Delivery at Barclays Retail Bank and prior to that Chief Operating Officer at ING Direct. Pam is a Chartered Banker.

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Peter Shorthouse

Peter joined Paragon in 2010 as the Treasury and Structured Finance Director. His responsibilities include the development and implementation the Group’s funding and securitisation strategy and management of its cash and liquidity requirements.

Prior to joining Paragon, Peter was with UBS for 16 years, where he was a Managing Director and Head of Securitisation. Peter has an MBA from London Business School and a BEng degree in Mechanical Engineering.

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Anne Barnett

Anne is the Group’s People Director responsible for managing the people strategy including: resourcing and organisational design, pay and benefits, reward, learning and management development, succession planning, performance management and employee engagement. Anne previously worked at HBOS and Allianz.

Anne is Chartered MCIPD qualified.

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Deborah Bateman

Deborah is the Group’s External Relations Director responsible for leading the Group’s external and internal communication strategies. This comprises the Group’s marketing and communications programmes, including: public relations, investor relations, internal communications and public affairs. Deborah joined the Group in 1991.

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Marius Van Niekerk

Marius joined Paragon in October 2019 as General Counsel & Company Secretary. He brings extensive board, regulatory and legal experience to the Group. Prior to joining Paragon, Marius spent 5 years with Aldermore and 10 years at Santander. He is a qualified solicitor.

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Ben Whibley

Ben joined Paragon in 2014 and became Chief Risk Officer of the Bank in 2015. He was appointed Deputy Chief Risk Officer of the Group in 2017 and Chief Risk Officer of the Group in 2020. He previously spent nearly ten years working at KPMG and has held senior risk roles at Unity Trust Bank. Ben is a Chartered Accountant.


Paragon Bank PLC is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registered in England number 05390593. Registered office 51 Homer Road, Solihull, West Midlands B91 3QJ. Paragon Bank PLC is registered on the Financial Services Register under the firm reference number 604551