MA, Cambridge University; MBA, Harvard Business School. 1979-88, with American Express; 1988-96, Chief Operating Officer then Chief Executive, Thomas Cook; 1996-2004, Group Chief Executive, Bradford & Bingley; 1998-2003, Non-Executive Director, UK Financial Services Authority. Currently, Chairman, International Personal Finance. Non-Executive Director: Ladbrokes; Almeida Theatre; VisitBritain. Chair, Windsor Leadership Trust. Fellow, Royal Society for the Encouragement of Arts, Manufactures and Commerce. CBE (2007).