Board of directors

Skills, competencies and experience:

Patrick joined Saga as Chairman in May 2018. He has a wealth of experience in the financial and insurance industry gained from a number of senior roles he held at the Bank of America, Goldman Sachs, Financial Guaranty Insurance Company and Barclays/BZW. Patrick spent 12 years at Zurich Insurance Group, where he held positions including CEO of Eagle Star Insurance Company, CEO of UK General Insurance, Group Chief Financial Officer and Vice Chairman of the Management Board. Previous Non-Executive roles have included Chairman of Old Mutual plc and the UK’s Shareholder Executive, Deputy Governor of the Bank of Ireland, Senior Independent Director at Man Group plc and Chairman of the Audit Committee at Collins Stewart plc and Cofra Group AG.

Other roles:

Patrick is also Chairman of ERS (syndicate 218), a Lloyd’s market specialist motor insurer (appointed April 2013).

Committee membership:

Nomination (Chair).

Skills, competencies and experience:

Lance joined Saga as Group Chief Executive Officer in March 2014. He has worked in consumer-facing businesses and brand-centric roles throughout his career, focusing on creating products that are tailored to the customer. He holds an MBA from Harvard Business School and began his career as a Royal Navy submarine officer. He went on to hold senior marketing positions at Procter & Gamble, Amazon.com and Vodafone, before becoming CEO of Tesco Mobile between 2008 and 2011 and CEO of Domino’s Pizza Group plc between 2011 and 2014. Lance brings a wealth of senior operational experience in listed companies to his role at Saga. Since he joined as Chief Executive Officer in 2014, the business has grown its underlying core profits, invested in the growth of passengers and policies, commissioned the build of two new ships, introduced a motor broking panel, launched its Membership programme, Possibilities, and replaced most of its key IT systems.

Other roles:

Lance is a Non-Executive Director on the Royal Navy Board, (appointed October 2018) and a Trustee of the charity The White Ensign Association (appointed November 2014).

Committee membership:

Executive.

Skills, competencies and experience:

James joined Saga as Group Chief Financial Officer in January 2019. James joined Saga from Zurich Insurance Group, where his most recent role was UK Chief Financial Officer, spanning the UK Property & Casualty and Life Insurance operations. James is a seasoned insurance executive with over 28 years of senior leadership experience, primarily within Zurich, Citigroup Global Markets, Lehman Brothers and PricewaterhouseCoopers. James has extensive strategic, investor and operational finance experience within the insurance industry and is a valuable member of the Leadership Team. James is an associate of the Institute of Chartered Accountants in England and Wales.

Other roles:

None.

Committee membership:

Executive.

Skills, competencies and experience:

Eva joined the Saga board in January 2019 and brings over 30 years of experience as a brand and marketing professional. She was previously a Non-Executive Director (and a member of the Audit, Nomination, Remuneration and Risk Committees) of Virgin Money plc until its acquisition by CYBG plc. Prior to this she was Managing Director of Marketing, Brands and Culture at Lloyds Banking Group plc, Chief Customer Officer at Regus plc, and Chief People and Brand Officer at EDF Energy. Eva has also held senior positions at Allied Domecq and British Airways, where she was responsible for the Executive Club, with three million members at the time.

Other roles:

Eva is currently Chief of Staff at Lowell (appointed February 2016).

Committee membership:

Nomination and Remuneration.

Skills, competencies and experience:

Julie joined the Saga board in October 2018 and brings a wealth of insurance experience coupled with over 20 years in a variety of roles, at Co-operative Insurance, RSA and Tesco Bank, specialising in general insurance and predominantly in personal lines. Julie is highly customer-focused, with a breadth of functional, membership and affinity experience and a track record of driving growth. Most recently, Julie was a Non-Executive Director of Co-Operative Insurance, where she chaired the Risk Committee and was a member of the Audit and Remuneration Committees. Prior to this, she was the CEO of The Conservation Volunteers (2012 to 2016), a UK community volunteering charity. Julie is an associate with the Chartered Institute of Bankers.

Other roles:

Julie is currently a Non-Executive Director of both Police Mutual, (appointed May 2014) where she chairs the Remuneration Committee and is a member of the Risk, Nominations and With Profits Committees, and West Bromwich Building Society (appointed April 2016), where she chairs the Remuneration Committee and is a member of the Risk and Nominations Committees.

Committee membership:

Remuneration and Risk

Skills, competencies and experience:

Gareth joined the Saga Board in March 2019. He brings a wealth of experience from nearly 20 years with Legal & General in a variety of roles, latterly as a main Board Director and CEO International, where he was responsible for the North American, European, Middle East, Indian and Far East insurance markets. Prior to that he held a variety of roles in finance, retail marketing and HR. Before joining Legal & General, Gareth worked at PwC for 12 years, where he trained as an accountant and later specialised in insurance.

Other roles:

Gareth is currently Audit Chair and Senior Independent Director at Leeds Building Society (appointed November 2015). He is also Trustee, Non-Executive Director and Chair of the Audit and Risk Committees at Diabetes UK (January 2015).

Committee membership:

Audit and Risk.

Skills, competencies and experience:

Ray joined the Saga Board in May 2014 and he has a strong background in business and financial management. He has led a business similar to Saga, as Group Chief Executive of Bupa from 2008 to 2012 and as Chief Financial Officer from 2001 to 2008. His earlier executive roles included Director of Group Finance and Control at Diageo plc, Group Finance Director of Southern Water plc and senior roles at ICI plc. Ray has previously been a Non-Executive Director at the Financial Reporting Council, Infinis Energy plc and Friends Provident plc and a Reporting Panel Member of the Competition and Markets Authority. Ray’s significant financial experience and his Non-Executive Director experience (including that of chairing audit committees), are all immensely helpful and valued by the Board.

Other roles:

Ray is currently a Non-Executive Director of Rothesay Holdco UK Ltd (appointed April 2014) and of its regulated subsidiary, Rothesay Life plc (appointed April 2014).

Committee membership:

Audit (Chair), Nomination, Remuneration and Risk.

Skills, competencies and experience:

Orna joined the Board in May 2014 on listing. She has significant experience in strategy and new concept development and launch, business turnaround, logistics redesign and supply chain management. She was subsequently appointed as Senior Independent Non-Executive Director for Saga in March 2017. Previously, Orna was Senior Independent Non- Executive Director of HMV plc, Northern Foods plc and Bupa and a Non-Executive Director of Bank of Ireland UK Holdings plc and Bristol & West plc. She is a former Partner at McKinsey & Company, where her client portfolio included many consumer-facing clients. Orna brings a wealth of varied and valued skills to the Board along with considerable experience in other Non-Executive Director roles.

Other roles:

Orna is currently Senior Independent Non-Executive Director and Chair of the Remuneration Committee of Royal Mail plc (appointed June 2010), Non-Executive Director and Chair of the Remuneration Committee at Burberry Group plc (appointed January 2018), Deputy Chair of the National Trust (appointed January 2014) and Trustee of Sir John Soane’s Museum (appointed January 2012).

Committee membership:

Risk (Chair), Audit, Nomination and Remuneration.

Skills, competencies and experience:

Gareth joined the Saga Board in May 2014 and he has expertise in all aspects of human resource and people strategy, which he gained from his previous positions including Human Resources Director of Diageo plc (where he also had oversight responsibility for corporate relations) and a series of key positions in human resources at Grand Metropolitan plc. Gareth’s contributions to the Board and its Committees bring a unique perspective to discussions, drawn from his experience of working at Director level in a consumer-facing organisation and his knowledge of corporate relations, management development and resourcing.

Other roles:

Gareth is currently a Non‑Executive Director of WNS (Holdings) Limited (appointed January 2014).

Committee membership:

Remuneration (Chair), Audit, Nomination and Risk.