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.

Alan Cleary

Alan Cleary

Group Managing Director, Mortgages

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Alan Cleary

Group Managing Director, Mortgages

Experience and qualifications:

Alan joined OSB in October 2019, following the Combination with CCFS. Alan was the Managing Director at Precise Mortgages, as well as being a co-founder of that business, and is responsible for Group mortgage product development, marketing and mortgage originations.

Alan has worked in the mortgage industry for over 25 years. He was Head of Sales at BM Solutions from inception in 2001 to 2005 when he became Director of Halifax Intermediaries, the largest intermediary mortgage brand in the UK at the time.

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 inhouse financial services experience.

Jason’s private practice experience was primarily in Australia with King & Wood Mallesons and in New York with Sidley Austin LLP and 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.

John Gaunt

John Gaunt

Group Chief Information Officer

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John Gaunt

Group Chief Information Officer

Experience and qualifications:

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

John held the position of Director of IT and Change Management at CCFS and had responsibility for the operational and tactical delivery of all business matters relating to information technology, information security and change management.

With over 19 years’ experience in information technology, information security and change management within the financial services sector, John has held a number of senior IT roles within Nationwide Building Society and Derbyshire Building Society.

Hasan Kazmi

Hasan Kazmi

Chief Risk Officer, OSB

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Hasan Kazmi

Chief Risk Officer, OSB

Experience and qualifications:

Hasan joined OSB in September 2015 as Chief Risk Officer.

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, she 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.