Kate joined THFC in October 2023. She has 12 years of corporate governance, compliance and in-house legal and regulatory experience both in the social housing sector and insurance industry. She was previously Company Secretary and Legal & Regulatory Advisor for the Chaucer Insurance Group, which included a Lloyd’s Managing Agent and UK and international subsidiary companies. Prior to that she was Assistant Company Secretary at Affinity Sutton Group, a leading not-for-profit social housing group (now Clarion Housing). Other previous roles include Governance Manager at The Guinness Partnership, a not-for-profit social housing group. 

Harriette joined THFC in July 2023 as a Credit and Portfolio Risk Analyst. She has around 9 years of experience in both real estate and commercial lending, throughout which time she has obtained a certificate in Commercial Lending, as well as an Associate Chartered Banker Diploma from BPP University. Prior to this, Harriette studied Applied Economics and French at Kingston University, spending a year in France studying at the University of Lyon.

Navida joined THFC in September 2022 as an Administrative Assistant. She has 3 years of experience in administration roles and previously studied Business at the University of Hertfordshire.

Gail is a Chartered Accountant with over 30 years’ experience, much of it in Finance Director roles in a variety of industries both in the private and public sectors. She is Chief Executive of Broadacres, a housing association based in North Yorkshire with over 6,600 homes. She is a Board Member of the National Housing Federation where she chairs their audit and risk committee. She is also a board member of the Chorley Building Society. Gail was nominated by the National Housing Federation to THFC’s Board in March 2023.

Julie is a chartered accountant with over 30 years of experience. She holds a bachelor’s degree in business and a master’s degree in applied finance. Julie has spent the last 20 years at JP Morgan Chase & Co, holding several different positions in financial controlling and regulatory reporting, both in the United Kingdom and in Australia. Prior to that, she worked at KPMG Australia in their audit practice.

Elisiah joined THFC in January 2023 as a Finance Administrator. She holds a degree in Accounting and Finance from London Metropolitan University and a master’s degree in Accounting and Finance from Queen Mary University of London.

Danielle joined THFC in December 2022 as ESG Strategy and Communications Manager. She previously worked for D.R. Horton, America’s Largest Builder, in the Investor Relations & ESG team. Danielle holds a Bachelor in Business Administration in Marketing from Texas Christian University and a Master of Science in Environment, Politics and Society from University College London (UCL).

Corin joined THFC in July 2022. He has worked in technology for over 9 years and has vast experience with fast-paced environments and different technological infrastructures. He began his career being 1 of only 6 people chosen to complete a fully government-funded apprenticeship scheme in Unified Communications, specialising in IT and Engineering. Corin has multiple industry qualifications including MCSA, SDI Analyst and ITIL Foundation certifications. Prior to joining THFC, he worked as a Senior IT Engineer for a software development company in London.

Catherine is director of policy and research, overseeing the National Housing Federation’s work across a number of strategic areas – lobbying for change to allow housing associations to deliver their priorities for their residents and communities.

She was previously head of policy at the NHF, leading work on homelessness, supported housing and the Social Housing Green Paper. Catherine has also worked as Advisor to the Chief Executive at the NHF and recently spent some time working on economic development and housing at Coast to Capital – a Local Enterprise Partnership in Surrey and Sussex. Before joining the NHF Catherine worked at the Audit Commission as a Strategy Manager, leading the development of assessment frameworks for local government.

Ray joined THFC as the Finance Director during May 2022 and was also appointed to the board in the same month. He is a chartered accountant with 18 years experience and holds a bachelors degree in accounting and commercial law. Ray has held a number of different positions at tier 1 Investment Banks including, financial controlling, change and regulatory roles. Most recently, Ray spent 10 years at UBS servicing both regulated and non-regulated entities.

Steven is a Chartered Management Accountant and joined THFC in November 2021. Previously, he spent 19 years working for Lloyds Bank across a wide spectrum of finance, including treasury and cash management, tax-based pricing, product control, financial planning, budgeting and forecasting, and PRA stress testing. Steven specialises in developing and reengineering processes and building efficiencies whilst maintaining controls.

Ray joined THFC as Finance Director in May 2022.

Ray joined THFC as the Finance Director during May 2022 and was also appointed to the board in the same month. He is a chartered accountant with 18 years experience and holds a bachelors degree in accounting and commercial law. Ray has held a number of different positions at tier 1 Investment Banks including, financial controlling, change and regulatory roles. Most recently, Ray spent 10 years at UBS servicing both regulated and non-regulated entities.

Jack joined THFC in 2022 as a Treasury Analyst. Prior to this he worked in Audit at Mazars where he specialised in Asset Management Assurance before looking for a career change into Treasury. Jack previously graduated from the University of Reading in 2020 where he studied Mathematics with Finance and Investment Banking.

Chris is a Chartered Accountant, he trained in London with BDO then moved to Brazil with EY and went on spend 27 years working in as CFO, COO and CEO of number of British and American owned multinationals across a range of sectors in Latin America.

Arun joined THFC in August 2021 as Head of Relationship Management and Business Development. He joined from HSBC where he helped set up and then led their social housing business focusing predominantly on larger housing associations. Having started his career working at Diageo, he moved to Network Rail where starting as a financial modeller he moved on to the Treasury team that raised over £20bn of debt through the Global Capital Markets during his stint. He left in 2007 to join HSBC’s real estate team at an interesting time for the sector and specialised in property for most of his time there.

Peter’s career encompasses over 40 years in commercial banking and social finance. He served as the Head of Credit for The Housing Finance Corporation from 1995 to 2002. More recently, he provided commercial advice and support for the design and implementation of the Housing Guarantees Schemes to, firstly, HM Treasury and, thereafter, to the Department for Communities and Local Government. He was appointed to the board of Affordable Housing Finance Plc as a DCLG nominee in July 2013 and to the THFC board in May 2020. He also serves as an independent Director of PRS Operations Ltd.

Prior to working at THFC, Fiona spent eleven years as PA to the Chief Executive of the Association of Corporate Treasures. She is a member of IMA (International Management Assistants) and has a wealth of experience in diary planning, daily admin responsibilities and liaising with a multitude of professional bodies and banks.

Fiona began with THFC at the end of 2014. She arrived after working for Trowers & Hamlins, where she built an impressive 8 year portfolio as a PA at a senior level. Fiona began her secretarial career in advertising and publishing, navigating between corporate and legal environments.

Satindra began working at THFC in 2018 as a Finance Assistant. He graduated from the University of North London, with a degree in Business studies. He is part-qualified in the Institute of Export and International Trade, and has worked across many sectors, including publishing, banking and commodities. Satindra is currently studying for his ACCA professional qualification.

Ian joined THFC in 2003 as an Accounts & Loans Administrator and in 2014 was appointed as Finance Manager. He qualified as a Chartered Management Accountant in 2012 and studied for this professional qualification under full-sponsorship from the company.

Colin has been an integral part of THFC for 17 years, becoming a member of the board in 2014. After qualifying as a Chartered Accountant with Deloitte, Colin spent 15 years undertaking Financial Controller roles at various large publishing and media outlets (including: Trinity Mirror, Sky and News International). He has had an impressive career spanning over 30 years within the financial sector.

Sharon joined THFC in January 2017. She is ACA qualified, with a BSc in Chemistry & Management, and an MSc in International Business. She worked for two years with Smith & Williamson in their “recovery and reorganisation” division, before spending 5 years in a similar role at Grant Thornton. For the last 6 years she has been a Senior Analyst at RBS in their Financial Analysis Team covering among other sectors, healthcare (care homes), Retail, Pubs & Hotels, and Commercial Real Estate.

Andy Lynch joined THFC in 2015, having spent the previous 3 years as Head of Credit for the Public Sector (including Social Housing) at Barclays. Prior to this, Andy spent 5 years with Clydesdale & Yorkshire Bank where he was Head of Credit for the South of England, and latterly Head of Credit Training. His initial banking career was also with Barclays, where he worked for 25 years in relationship and credit roles.

David joined THFC in 2012, having specialised in credit risk at a number of financial institutions. Immediately prior to joining THFC he was Head of Corporate Credit at Santander UK with responsibility for the social housing, large corporates, real estate and specialised finance portfolios. His earlier career included Head of Credit positions at Bank of Ireland and Fortis Bank and a range of senior credit and relationship management roles at NatWest.

Utilising her experience from the professional development, corporate administration and teacher training teams and the Basic Skills Agency, Isabel is highly skilled at organising and leading on tender processes for key contracts. She joined THFC in 2005 as an Executive Assistant but quickly transitioned to analysing valuation data and working on related processes (including property releases) as our Security Asset Analyst.

Melissa joined The Housing Finance Corporation in January 2016 as THFC’s Security Asset Manager, having previously worked at Trowers & Hamlins for 12 years. She is a qualified solicitor with over 16 years experience in the social housing sector, including acting for the borrower and lender in various real estate finance transactions. As Security Asset Manager, Melissa is responsible for ensuring that all of the security portfolios for THFC and its associated entities remain compliant during the lifetime of the loan, as well as managing all charging exercises relating to new and existing finance with THFC’s borrowers.

Joe started at THFC in October 2014 as a Treasury Analyst, having graduated with 1st class honours in Accounting and Finance from the University of Hertfordshire. In 2020 he joined the Relationship Management team..

Brendan joined THFC in 2013. He has enjoyed a diverse banking career beginning in 1979 at Midland bank. After which he joined the Allied Irish bank, where he led the social housing unit of the public sector and charities team, then moved to become the relationship director at the Lloyds bank social housing team, where he spent 6 years. In the past Brendan has been a board member at Golden Lane Housing, which specialises in housing people with learning disabilities, a Treasurer at the Institute for War and Peace Reporting, and a loans officer at his local credit union.

Alex joined THFC in July 2018 and is a qualified corporate treasurer who has experience of working as both a lender and a borrower within the sector. Prior to this he worked as a Corporate Finance Manager at bpha for 3 years, helping them successfully raise new funding, and drive forward treasury initiatives. His lending experience has been gained during 17 years with Nationwide Building Society, the last 5 of which were as a Lending Manager in the Public Sector Team where he managed facilities for a portfolio of 50 registered providers.

Gavin joined THFC in 2017 as a Relationship Manager. Prior to THFC he spent 27 years with The Royal Bank of Scotland plc (RBS) where he undertook various customer facing roles.  During his time at RBS, Gavin built an extensive knowledge of the social housing sector. Dealing primarily with large national, small local mixed funded housing associations and Large Scale Voluntary Transfer organisations in England and Wales.  In addition to managing a portfolio of customers with £2bn of borrowing requirements, he undertook significant new funding and restructures of existing terms, including helping customers move to the capital markets for the first time.

Samuel joined THFC in October 2019 as a Treasury & Marketing Analyst, after graduating from the University of Leeds with a First Class Honours degree in Politics. In 2022 he became ESG Strategy & Communications Manager, having developed THFC’s sustainable bond frameworks and inaugural sustainability disclosures report.

Will’s housing association portfolio covers the West Midlands and the South West of the UK. On the treasury side, Will is involved in investor relations, placement of bonds and the maintenance of the group’s credit ratings. Will played a key role in the set up of bLEND Funding Plc. and pays particular attention to structuring deals to suit both housing association borrowers and investors to achieve the best results. Will was previously THFC’s Deputy Treasurer and Relationship Manager and holds the AMCT corporate treasury qualification.

Fenella joined THFC in 2002 and was appointed to the Board in April 2006. She also holds a position as a Non-executive Board member of Dolphin Living, a Registered Provider operating in central London. Before Joining THFC Fenella spent eleven years at Abbey National Treasury Services (ANTS). Her roles at ANTS included Director of Market Risk, Director of Financial Products and Manager, Capital Markets. Prior to joining ANTS she was at Wood Gundy, Elders Finance Group and Nikko Securities in a variety of capital markets and derivative roles.

Piers has been the Chief Executive of The Housing Finance Corporation (THFC) for the last twenty one years, working extensively with government and government agencies and viewed as a sector expert on all aspects of housing finance.  He has also advised the Australian Federal Treasury on setting up an equivalent bond aggregator in Australia. He has over 35 years of experience of the UK, US and European financial markets specialising in bank treasury risk management, securitisation and the interface between private sector financing and Government. He holds professional qualifications in both treasury and banking and in addition to his duties at THFC served as a non-executive member of the Homes & Communities Agency’s Regulation Committee for Social Housing between 2012 and 2015. In addition to his duties at THFC, Piers is currently the Chair of the Board of Newbury Building Society. In 2015 he received a lifetime contribution award at the Housing Association National Accountancy Awards.

Piers has been the Chief Executive of The Housing Finance Corporation (THFC) for the last twenty one years, working extensively with government and government agencies and viewed as a sector expert on all aspects of housing finance.  He has also advised the Australian Federal Treasury on setting up an equivalent bond aggregator in Australia. He has over 35 years of experience of the UK, US and European financial markets specialising in bank treasury risk management, securitisation and the interface between private sector financing and Government. He holds professional qualifications in both treasury and banking and in addition to his duties at THFC served as a non-executive member of the Homes & Communities Agency’s Regulation Committee for Social Housing between 2012 and 2015. In addition to his duties at THFC, Piers is currently the Chair of the Board of Newbury Building Society. In 2015 he received a lifetime contribution award at the Housing Association National Accountancy Awards.

Colin has been an integral part of THFC for 14 years, becoming a member of the board in 2014. After qualifying as a Chartered Accountant with Deloitte, Colin spent 15 years undertaking Financial Controller roles at various large publishing and media outlets (including: Trinity Mirror, Sky and News International). He has had an impressive career spanning over 30 years within the financial sector.

Fenella joined THFC in 2002 and was appointed to the Board in April 2006. She also holds a position as a Non-executive Board member of Dolphin Living, a Registered Provider operating in central London. Before Joining THFC Fenella spent eleven years at Abbey National Treasury Services(ANTS). Her roles at ANTS included Director of Market Risk, Director of Financial Products and Manager, Capital Markets. Prior to joining ANTS she was at Wood Gundy, Elders Finance Group and Nikko Securities in a variety of capital markets and derivative roles.

Gill has worked in a verity of management and strategy roles across the private and public sector. She has worked for Eagle Star Assurance Company, the (then) Financial Services Authority, and in 2001 joined the Countryside Agency. As Director of Organisation and Development (OD) she led work to establish Natural England the Commission for Rural Communities (CRC). At the CRC, Gill was Director for OD and Communications and served as interim CEO. Gill joined the National Housing Federation in October 2011 to job-share with Ruth Davison as the Director for Policy and External Affairs and the Executive Director for Public Impact until August 2019. She was appointed to THFC’s Board as a non-executive director in 2014 and is Chair of THFC’s Remuneration Committee.

Will is Director of Strategy at the Regulator of Social Housing, where he is responsible for developing corporate strategy, business intelligence and regulatory policy. He is also responsible for the Regulator’s relationships with the funding markets.  Will is a qualified chartered accountant, and has previously worked in social housing consultancy, corporate finance lead advisory for a top 10 firm and government audit. Will joined the Board as a non-executive director in November 2014 and is chair of THFC’s Nominations Committee.

David served as the Chief Executive of L&Q, one of Britain’s largest housing associations, between 2008 and 2021. Over thirty-two years David has, in a number of roles, overseen the company’s growth and success through mergers, acquisitions, major regenerations schemes and development partnerships with smaller associations. A leading figure in the sector, David has been chair of the G15 and served on the board of the National Housing Federation, as well as working with successive London Mayors. In 2013 David was awarded a CBE for services to housing in London. David was appointed to the board of THFC in March 2020. He is also Chair of Joseph Homes; non-executive director of Hadley Property Group, Heylo Housing Group and the Abri Group; senior advisor to Lloyds Banking Group; and non-executive advisor to property technology company Staykeepers.

After twenty years in the housing sector, Tony retired as Group Treasurer of Sanctuary Group in 2019. He began his career in banking, including roles at various international banks. At Sanctuary, Tony used his experience in finance to oversee the Group’s loan book and fund new housing developments and regeneration projects. Tony is a trustee of the Church of England Pension Board, a non-executive Board member of Platform Housing Group, and holds finance and audit-based committee roles for the Sunshine Centre, an Oxfordshire children’s charity, and for the Heart of Worcestershire College.

Scott Bottles was appointed to the Board in March 2018. He served as Executive Vice President and Senior Credit Officer for International Commercial Real Estate at Wells Fargo Bank until his retirement earlier this year. He has more than 30-years of experience in the commercial and residential real estate sectors in both the United Kingdom and the United States.

Shirley’s experience comprises over 35-years in real estate and infrastructure finance, covering debt, investment, restructuring, workout and credit with blue chip organisations (including CBRE, Citi, Barings, PwC, Lend Lease, Assured Guaranty and EY). She has an MA in Economics & Land Economy from the University of Cambridge, is a qualified Chartered Surveyor and holds a Certificate in Investments and Financial Derivatives from the Securities & Investment Institute. Shirley was until 2020 a Non-Executive Director at CREFC (Europe), the Industry Association for commercial real estate debt in Europe and is a member of the Investment Property Forum. She joined THFC’s board in March 2018 and is the Senior Independent Director.

Keith was appointed to the Board in April 2011. Until he retired in April 2018, Keith Exford was the Chief Executive of Clarion Housing Group, one of the largest housing association groups in England. A member of the Chartered Institute of Housing, Keith’s career in housing spans over 40 years. He is Vice Chair of CLIC Sargent, the leading children’s and young people’s cancer charity and was awarded a CBE in 2015 for services to housing.

Guy is a Chartered Accountant and Chartered Director with over 30 years’ experience in the financial services industry. Prior to this executive retirement he was Group Finance Director of Principality Building Society, a lender to housing associations. A fellow of The Association of Corporate Treasurers, he has extensive experience in treasury and risk management. Guy is currently a Non-Executive Director of Sainsbury’s Bank where he is Chair of the Risk Committee and a member of the Audit Committee. He is also Chair of Penhurst Properties Limited. He was appointed to the Board in May 2019.

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