Group Board.

Appointed: 27 June 1994

Role: Executive Vice-Chair & Founder

Skills, experience & contribution:

• Entrepreneurial leadership since incorporation.
• Almost 50 years’ experience in specialist lending and property markets.
• Focus on executive talent development and future pipeline.
• Strong commitment to community and charitable programmes.

Henry founded Together in 1974 and has overseen its growth for nearly five decades. In December 2024, he appointed Richard Rowntree as CEO to lead the next phase of growth. Henry now serves as Executive Vice-Chair, focusing on mentoring, board participation, and shareholder support.

Appointed: 4 November 2010

Role: Non-executive Director and Board Chair

Committee Memberships: Chair of the Remuneration & Nomination Committee, Disclosure Committee, and Dividend Committee; member of the Risk Committee, Audit Committee, and Transformation Steering Committee.

Skills, experience & contribution:

• Significant boardroom experience, including chair appointments at over 20 public and private companies worldwide.
• Successful long-term leadership of the Group through challenging economic periods.
• Detailed knowledge of investor and stakeholder expectations, supported by an extensive network across sectors.
• Strong focus on ethical leadership and governance frameworks that enable sustainable growth.
• Provides insight on corporate culture and human resource challenges.

Mike was appointed Chair in 2010 and brings extensive experience from senior executive roles at General Electric, Motorola, and Philips. He served on the Ofcom board for eight years and was awarded Grant Thornton UK Chair of the Year in 2010.

Mike is currently Non-executive Chair of IG Group Holdings plc and Openreach Ltd. In 2023, he was appointed Chair of Press Acquisitions Ltd and May Corporation Ltd, parent companies of the Telegraph Media Group and The Spectator, and in 2024 became Chair of Telegraph Media Group to oversee a merger control review.

Appointed: 22 February 2016

Role: Non-executive Director and Chair of the Audit and Risk Committees

Committee Memberships: Member of the Remuneration & Nomination Committee and Dividend Committee.

Skills, experience & contribution:

• Extensive experience in financial services, including private equity.
• Strong background in client relationship management within banking.
• Senior roles in regulated environments.
• Previous member of Together’s Personal Finance Board.
• Group Whistleblowing Champion with experience in addressing colleague concerns.

Wayne joined Together in 2015 and became a Board member in 2016. He has over 20 years of executive management experience, including Deputy Head of Commercial Banking at HSBC, and has held Non-executive roles in sectors such as housebuilding, motor dealerships, and private equity.

Appointed: 9 April 1997

Role: Non-executive Director

Committee Memberships: Member of the Risk Committee, Audit Committee, Remuneration & Nomination Committee, and Dividend Committee.

Skills, experience & contribution:

• Continuity of leadership for the Group across three decades.
• Deep understanding of economic cycles and their impact on the Group.
• Strong stakeholder relationship management.
• Outstanding commercial acumen.

Joe has served as a Non-executive Director since 1997. He has held numerous directorships and consultancy roles, including Chair of Atlantic House Fund Management and advisory positions with CB Richard Ellis and Svenska Handelsbanken.

He was previously a partner at a major Manchester law firm and a Non-executive Director of Bridge Insurance Brokers Limited and UK Land & Property Limited.

Appointed: 3 December 2024

Role: Chief Executive Officer

Committee Memberships: Member of the Dividend Committee, Disclosure Committee, and Transformation Steering Committee.

Skills, experience & contribution:

• Leadership roles across six major UK banks.
• Expert knowledge of the UK mortgage and specialist lending markets.
• Skilled in building high-performing teams and fostering inclusive cultures.
• Advocate for social mobility and diversity in financial services.

Richard joined Together in December 2024 after serving as Managing Director at Paragon Banking Group. He was Chair of UK Finance and has held advisory roles promoting socio-economic diversity. In 2023, he was awarded Freedom of the City of London for his work in inclusion.

Appointed: 15 June 2000

Role: Managing Director and Chief Treasury Officer

Committee Memberships: Member of the Disclosure Committee.

Skills, experience & contribution:

• Expertise in financial reporting, treasury, and funding strategies.
• Deep knowledge of specialist lending and Group operations.
• Trusted relationships with investors and banks.
• Experience across multiple senior roles, including CFO and COO.

Gary joined Together in 1994 and became a Board member in 2000. He served as CFO from 2001 to 2018 and interim CEO designate in 2024. He continues to support strategic delivery and treasury activities.

Appointed: 1 October 2024

Role: Group CFO

Committee Memberships: Member of the Disclosure Committee.

Skills, experience & contribution:

• Chartered accountant and ICAEW Fellow.
• Broad experience in financial risk, planning, and reporting.
• Leadership in finance teams across financial services.
• Member of the Group Executive Committee and Group Executive Risk Committee; Co-Chair of the Group Asset and Liability Committee.

Chris joined Together in 2017 from Co-op Bank and previously worked at Deloitte in audit, assurance, and M&A.

Appointed: 15 September 2025

Role: Non-executive Director

Committee Memberships: Member of the Audit Committee, Risk Committee, and Remuneration & Nomination Committee.

Skills, experience & contribution:

• Over 30 years’ experience in main Board roles for major UK businesses.
• Expertise in finance and retail sectors.
• Leadership in customer-focused organisations.

Andy brings experience from Tesco, Wm Morrison, Sky, NBrown Group, and JD Sports, where he is currently Chair. He was Group Finance Director at Tesco PLC for 11 years and chaired Tesco Bank. Earlier roles include Group Finance Director at The Burton Group plc and Laura Ashley Holdings PLC.

Appointed: 1 December 2025

Role: Non-executive Director

Skills, experience & contribution:

• Over 20 years’ experience of expertise in corporate governance, strategic development, and operational leadership.
• Expertise in property, utilities and civil engineering sectors.
• Previous Shareholder Observer to Together

Earlier in his career, Mike held senior leadership positions, including Director at Network Plus Services Limited, a leading utilities and infrastructure provider, as well as other executive roles within the civil engineering and utilities sectors.

Role: Group Chief Risk Officer

Skills, experience & contribution:

• Over 18 years’ experience in risk management.
• Expertise in regulatory compliance and transformation.
• Proven ability to lead large-scale system replacements.

Julie joined Together in 2021 and became Group CRO in 2023 after senior roles at PwC and KPMG in the UK, Bermuda, and Hong Kong.

Role: Chief Transformation Officer

Skills, experience & contribution:

• Over 30 years’ experience in banking and financial services.
• Expertise in operations, distribution, and large-scale transformation.
• Leadership in building and authorising challenger banks.

Andrea joined Together in 2023 after senior roles at RBS and Bank North.

Role: Chief Commercial Officer

Skills, experience & contribution:

• Over 15 years’ experience in financial services.
• Expertise in product development, pricing, and digital strategy.
• Strong leadership in SME banking and start-up propositions.

Ryan rejoined Together in 2021 and became CCO in 2023. He previously held senior roles at Co-operative Bank and GB Bank.

Skills, experience & contribution:

• Over 35 years with Together, progressing through multiple leadership roles.
• Expertise in underwriting, product development, and commercial strategy.
• Passionate advocate for customer outcomes and community engagement.

Marc joined Together in 1989 and has held roles including Group Sales Director and Commercial Finance CEO. He retired from the Board in June 2025 but remains on the Executive Team while he completes a robust handover.

Role: Chief People Officer

Skills, experience & contribution:

• Extensive experience in HR leadership across financial services and insurtech.
• Expertise in cultural transformation and talent strategy.
• Proven ability to lead global people functions.

Cheryl joined Together in August 2025 from Prima Assicurazioni and previously held senior HR roles at Provident Financial Group and Cabot Credit Management.

Role: Group Chief Operating Officer

Skills, experience & contribution:

• Over 25 years’ experience operating at board level as CEO, Group COO and Managing Director in regulated banking and financial services environments.
• Extensive experience in working with UK and pan-European regulatory bodies.
• Previous roles included leading large Operations, Technology, Contact Centre, Collections, and Change functions with a proven track record in driving operational efficiency, scalability, business transformation and effective customer outcomes.
• Strong expertise in leading complex, multi disciplinary teams and driving organisational transformation.

Dave joined Together in July 2025 as Group Chief Operating Officer. He previously held senior leadership roles at Bank of Ireland, where he served as Group Director of Business Efficiency, UK COO and Interim Chief Executive Officer (UK). Earlier in his career, Dave was Group Chief Operating Officer and Chief Executive of the Asset Management and Servicing division at Arrow Global, and has also held senior roles at TD Bank, GE Capital and Santander UK.

Role: General Counsel and Company Secretary

Skills, experience & contribution:

• Over 20 years’ experience in legal and governance roles.
• Expertise in real estate finance and restructuring.
• Trusted advisor to boards and executive teams.

Andrew joined Together in 2016 from Co-op Bank and previously worked at Addleshaw Goddard LLP.