Lucy is the CEO of Capital One UK and is responsible for the overall strategic direction and general management of the business. Lucy has also been invited to be part of the Government's "Maths to 18" initiative, that the Prime Minister and Education Secretary launched in 2023.

Lucy grew up as one of six children, in Oldham and her generation is the first of her family to go to university. She believes that lending creates opportunities and is focused on creation of products and experiences that make it easy for people to live successful financial lives.

Lucy joined Capital One in August 2000 from Girton College, Cambridge, where she studied engineering. She joined as part of the graduate programme and has worked in analytical and leadership roles across the UK business. Lucy gained experience in the broader industry during her time as a strategy consultant for Fair Isaac. She returned to Capital One in 2005 during a time of worsening credit performance in the industry as a whole and her subsequent experiences through varying conditions and regulatory changes make her a seasoned credit professional.

The deep expertise in all aspects of card lending that she has built up over time means that she is a Senior Credit Officer - a Credit Risk Management responsibility that reflects Capital One's trust in her expertise and ability to assess and make decisions on the technical fundamentals of the lending business.

Prior to her role as CEO, Lucy was Chief Marketing Officer. She recreated Capital One's marketing capability after the Great Recession - building strong relationships with tech players and putting together an in-house digital marketing team that outperforms dedicated agencies. She played a critical role in the development of several award-winning product initiatives, including the QuickCheck credit card eligibility checker.

Lucy sees herself as an important example and creator of opportunities for those coming next and is working to develop Capital One's already strong culture in this area. She is dedicated to creating opportunities for those who are under-represented in leadership positions in financial services. She speaks powerfully on Diversity, Inclusion and Belonging topics and takes every opportunity to speak to and inspire women and those from less-advantaged backgrounds who are early in their careers, appearing on panels and at events for charities operating in this space.

She is a long-time sponsor of the Early Careers Programme at Capital One UK - building experiences that help young people to succeed from the beginning. She's now extending that passion for development of talent by leading the activity in this space for our US Card business. Her mentoring and coaching of women in the middle of their careers is focused on helping them to realise their full potential.

Lucy lives in Nottingham with her husband, her son and daughter and two Labradors. In her spare time she loves to read, cycle and to go to the Opera.

Sarah is Managing Director of Corporate Affairs and Strategic Policy and is responsible for the overall strategy and delivery of UK Finance’s external activity including press and campaigns, UK and international advocacy, regulatory policy, sustainability policy, content, design and marketing.

Prior to joining UK Finance, Sarah was Director of Media Relations at London Stock Exchange Group and has worked across a range of corporate affairs and policy disciplines at the Financial Conduct Authority (FCA), the Bank of England, the Federal Reserve Bank of New York and the Association of British Insurers. She also worked as press secretary to Andrew Bailey as Deputy Governor of the Bank of England, acting as his Special Adviser when he then became the FCA’s Chief Executive.

Sarah is also a trustee of the Royal Institute of British Architects.