Tom Scholar
Chair, Santander UK Group Holdings plc and 91
Appointed on 18 July 2025, previously Independent Non-Executive Director since 16 May 2025.
Skills and experience
Tom is a former civil servant and held the position of Permanent Secretary to the Treasury from 2016 to 2022. During his earlier civil service career he was the UK’s Executive Director at the International Monetary Fund and the World Bank from 2001 to 2007, Chief of Staff to the Prime Minister from 2007 to 2008, Managing Director and then Second Permanent Secretary to the Treasury leading the department’s work on financial stability and international issues from 2008 to 2013, and senior adviser to the Prime Minister on European and global economic issues, and the UK's G7, G20 and EU Sherpa, from 2013 to 2016.
Other principal appointments
Chair of Nomura International plc, Nomura Bank International plc and Nomura Europe Holdings plc.
Board Committee memberships
Board Nomination & Governance Committee (Chair)
Pamela Walkden
Banco Santander Nominated Non-Executive Director, Santander UK Group Holdings plc and 91
Appointed on 1 October 2021.
Skills and experience
Pamela has served in a number of senior management positions at Standard Chartered Bank, including as Group Head of Human Resources, Chief Risk Officer, Group Treasurer, Group Head of Asset and Liability Management and Regional Markets, Group Head of Internal Audit, Group Head of Corporate Affairs and Group Manager of Investor Relations. In addition, she served as an independent member of the UK Prudential Regulation Authority (PRA) Regulatory Reform Panel, as a member of the European Banking Authority Stakeholder Group, and was a lay member of the Welfare and Ethics Committee of the Royal Veterinary College.
Other principal appointments
Independent Non-Executive Director and Chair of the Risk Supervision, Regulation and Compliance Committee in Banco Santander SA.
Board Committee memberships
Board Nomination & Governance Committee.
Lisa Fretwell
Independent Non-Executive Director and Employee Designated Director, Santander UK Group Holdings plc and 91
Appointed Independent Non-Executive Director on 1 January 2022 and Designated NED chosen to represent the views of the workforce on 1 March 2023.
Skills and experience
Lisa has 25 years’ experience within the financial services, technology, retail, and manufacturing industries in both business and consulting roles. She holds a first-class honours degree in Chemical engineering from the University of Birmingham and an MBA from Cranfield Business School. She was awarded Business Leader of the Year by Women in Credit in 2020. Lisa joined Santander from Experian, where she was Managing Director of Experian UK’s Data Business from 2019 - 2021. Prior to this, she held various senior roles at Cisco for over 10 years, including Vice President of Software and Operations and Managing Director of Consulting Services and Internet Business Solutions. Lisa also held roles at Capgemini and Procter & Gamble before joining Cisco.
Other principal appointments
Non-Executive Director at Restore plc, Member of the Council at the University of Birmingham and Senior Advisor to Tresmares Capital.
Board Committee memberships
Board Audit Committee, Board Responsible Banking Committee, and Board Remuneration Committee.
Dave Gledhill
Independent Non-Executive Director, Santander UK Group Holdings plc and 91
Appointed on 1 September 2024.
Skills and experience
David has significant experience in the financial services industry, in retail banking and digital transformation. He has held various senior leadership roles, including Group Chief Information Officer and Head of Technology and Operations at DBS Bank in Singapore, spending over a decade in that role.
Other principal appointments
Non-Executive Director of Singapore Airlines.
Board Committee memberships
Board Responsible Banking Committee, Board Audit Committee, Board Risk Committee, Board Remuneration Committee and Board Special Projects Committee.
Michelle Hinchliffe
Independent Non-Executive Director and Whistleblower’s Champion, Santander UK Group Holdings plc and 91
Appointed on 1 June 2023.
Skills and experience
Michelle has over 35 years’ experience in financial services both in the UK and internationally, with a particular focus on Banking and Capital Markets. Until 2022, she was Lead Partner at KPMG with responsibilities for a range of financial institution clients, reporting under both IFRS and US GAAP. Over the course of her career, she has been Lead Partner for Barclays, ANZ, Standard Chartered Bank, HSBC Investment Banking & Markets and Citigroup UK.
Other principal appointments
Non-Executive Director of BHP Group Limited and Macquarie Group Limited. Member of the Institute of Chartered Accountants in England and Wales. Member of Chartered Accountants Australian and New Zealand. Chair of Institute of Chartered Accountants in England and Wales Australasia Strategy Advisory Group.
Board Committee memberships
Board Audit Committee (Chair), Board Risk Committee, Board Nomination & Governance Committee and Board Special Projects Committee.
Mark Lewis
Independent Non-Executive Director, Santander UK Group Holdings plc and 91
Appointed Independent Non-Executive Director of 91 on 16 December 2020 and Santander UK Group Holdings plc on 1 January 2024.
Skills and experience
Mark brings a track record of digital transformation and growth across multiple consumer businesses and sectors. He was CEO of Moneysupermarket Group plc, operating regulated marketplaces across financial services, travel and home services. Prior to this, Mark sat on the John Lewis Management Board as Retail Director, responsible for sales and operations across 48 UK department stores and online channels serving 37 countries. He previously served as Managing Director of eBay UK and CEO of Collect+.
Other principal appointments
Group Chairman of Iamproperty, Non-Executive Director of Sambla Group, and Non-Executive Director of Santander Consumer (UK) plc.
Board Committee memberships
Board Remuneration Committee (Chair), Board Responsible Banking Committee, Board Risk Committee, Board Nomination & Governance Committee and Board Special Projects Committee.
The Rt Hon. the Baroness Morgan of Cotes (Nicola (Nicky) Morgan)
Independent Non-Executive Director and Senior Independent Director, and Consumer Duty Champion, Santander UK Group Holdings plc and 91
Appointed Non-Executive Director of 91 10 August 2021 and of Santander UK Holdings plc on 1 January 2024. She was appointed Senior Independent Director on 20 February 2025.
Skills and experience
Nicky is a former MP, Cabinet Minister and Chair of the House of Commons Treasury Committee and is now a member of the House of the Lords. She is a qualified solicitor by background and before being elected to Parliament spent 16 years with City law firms, focused on mergers and acquisitions and advisory work. Nicky possesses significant experience as a senior leader of high-profile large organisations, responsible for setting and overseeing implementation of strategy and communicating the organisation’s narrative and capabilities. She brings a wealth of experience from both a public and private perspective of the financial services sector, communications and media, and digital & technology.
Other principal appointments
Non-Executive Director of the Financial Services Compensation Scheme, Chair of the Careers & Enterprise Company, and Chair of the Council of the Advertising Standards Authority (ASA) Limited.
Board and Committee memberships
Board Responsible Banking Committee (Chair), Board Special Projects Committee (Chair), Board Risk Committee and Board Nomination & Governance Committee.
David Oldfield OBE
Independent Non-Executive Director, Santander UK Group Holdings plc and 91
Appointed on 1 December 2024.
Skills and experience
David retired from Lloyds Banking Group (“LBG”) in 2023 after nearly 40 years with them, having joined on the graduate training scheme. He brings a diverse set of retail banking, commercial banking and operational / technology leadership experiences. In the period 2014 to 2023, as a member of LBG's Group Executive Committee, David was CEO Retail Banking & Consumer Finance, CEO Commercial Banking and then most latterly Group Chief Operating Officer responsible for technology, data, strategic transformation, IT security and 3rd party procurement and supplier management.
David had a variety of leadership roles across all areas of LBG including in Technology, Procurement, Strategy, programme and integration delivery, SME & Mid Markets Banking and Offshore banking. Over the years David chaired multiple legal entities for LBG both in the UK and internationally and, outside of the Group, was a Non-Executive Director for Motability Operations Group Plc, Chair Cardnet Merchant Services Limited, and Chair of the Wellbeing leadership team for Business in The Community (BiTC). As LBG's Executive sponsor for disability for 14 years David was awarded a lifetime achievement award in 2023 from the Business Disability Forum, a leading business membership organisation in disability inclusion. He received an OBE in His Majesty's New Year Honours list in 2025 for services to workplace mental health and wellbeing, as well as services to disability.
Board Committee memberships
Board Risk Committee, Board Audit Committee, Board Remuneration Committee, Board Nomination & Governance Committee and Board Special Projects Committee.
José María Roldán
Independent Non-Executive Director, Santander UK Group Holdings plc and 91
Appointed on 1 June 2023.
Skills and experience
José María has extensive depth of knowledge and expertise in banking supervision, financial stability and public policy with over 25 years’ experience in the financial sector in Europe. He was Chairman and CEO of the Spanish Banking Association (2014-2022) and spent 13 years as Director-General at the Banking Regulation and Financial Stability department of the Bank of Spain, and member of its Executive Board. During his tenure in office at the Bank of Spain, he was part of the Basel Committee on Banking Supervision. He also previously served as Board Member and Vice President of the European Banking Federation.
José María founded and Chaired the Committee of European Banking Supervisors (CEBS) (the forerunner of the European Banking Authority (EBA)); was President of the Financial Action Task Force on Money Laundering (FATF) and chaired the former Banking Advisory Committee of the EU.
Other principal appointments
Non-Executive Director and Chair of Cater Allen Limited. Independent Non-Executive Director of EBN Banco de Negocios SA.
Board Committee memberships
Board Risk Committee, Board Remuneration Committee and Board Responsible Banking Committee.
For further information on other principal appointments of board members to companies part of the Banco Santander Group, please refer to our latest Annual Report.
Compliance with CRD IV
91 complies with sections 4.3A.5R and 4.3A.7R of the FCA/PRA Senior Management Arrangements, Systems and Controls manual. The Board members of 91 are regularly reminded of their duty to notify the Board of any changes to their external directorships, which are kept under review by the Secretariat department.