Our Board of Directors

Andy Golding


Andy has over 25 years' experience in financial services and has held senior positions at NatWest, John Charcol and Bradford & Bingley. Prior to joining OneSavings Bank, he was the CEO of Saffron Building Society, where he had been since 2004. He holds a number of positions with industry institutions, including membership of the Building Societies Association's Council and the Council of Mortgage Lenders Executive Committee. He is also a director of the Building Societies Trust and has also served as a non-executive director for Northamptonshire NHS. Andy is passionate about simplicity and fairness in financial services, and is a published author on the subject of financial education.

Irfanulla Khan

Wholetime Director

Irfan has played a key role in leading osbIndia (OSBI) through a very impressive journey, including the merger of Easiprocess and Easioption, developing OSBI into a strong performance centre with class-leading customer service, establishing long-term real estate strategy, development of skills and structure to support growth, and making OSBI an important strategic partner for OneSavings Bank. Irfan comes with a strong business management and transformation background. He started of his career with HSBC, and then took up assignments in key roles with Ocwen Financial Solutions Pvt Ltd India and ISGN, managing and growing third party business. He is a commerce graduate with honours in advertising and marketing information services. He also holds a higher diploma in software engineering.

Clive Kornitzer


Clive has over 20 years of financial services experience, having worked at several financial organisations including Yorkshire Building Society, John Charcol and Bradford & Bingley. Prior to joining OneSavings Bank, he spent six years at Santander where he was the Chief Operating Officer for their intermediary mortgage business. He has also held positions at EFMA and is the Chair of the FS Forum’s Retail Banking Sub Committee. He recently became a fellow of the Chartered Institute of Bankers.

Viswanath Nanjunda Rao


Viswanath has more than 20 years of corporate and business finance experience in IT /ITES in various key managerial roles like CFO and senior director at companies including Hewlett Packard, Microsoft, Mphasis and Dell Services. In the last eight years he’s also held key leadership roles at start-up companies innovating in the space of data analytics, tech products and SaaS.. Viswanath is a rank holder chartered accountant and company secretary. Key finance roles aside, he’s also managed portfolios such as HR, global operations, legal and workplace experience in high growth start-up environment. Viswanath also has a keen interest in talent-nurturing and mentoring next-gen leaders, having mentored many young founders who have scaled their start-up from idea to execution.

Peter John Graham Hindle

Additional Director

Peter has over 30 years’ experience working in IT and Change across a range of market sectors. After working in an IT advisory capacity with Accenture and subsequently PWC he worked extensively as an interim IT & Change leader and consultant serving numerous financial services clients including Barclay’s, NatWest and Deutsche Bank. He has held IT leadership positions in a range of organisations including Bradford & Bingley, Adidas, Merlin Entertainments, FirstAssist, and John Charcol. He joined OSB Group, in 2017. In April 2022 Peter was appointed as OSB Interim Group CIO.

Nirupama Subramanian

Additional Director

Nirupama Subramanian has over 27 years of work experience across different sectors. After completing her MBA in finance from XLRI, India, she worked with Citibank in Corporate Banking. Nirupama also worked with Genpact as a Training consultant to facilitate leadership workshops and design interventions to enhance the capability of the employees. Nirupama is an ICF certified coach ( PCC) and also holds several certifications. Apart from leadership development and coaching, Nirupama has a strong focus on Diversity & Inclusion. She focuses on gender diversity through her organization GLOW ( Growing Leadership of Women) . Nirupama has served over 75 organizations in the domain of capability building, leadership development, talent management, culture building and DEI. She is also an author of 3 books, including the latest- Powerful-The Indian Woman's guide to unlocking her full potential and has published over 100 articles in a variety of publications.