Stephen has been involved in banking and finance for SMEs and corporates for most of his 36 years in the industry. He is part of the senior executive team at UK Finance and leads on policy relating to Commercial Banking, Invoice Finance and Asset Based Lending and economics, data and research for the wider work of UK Finance, the leading financial trade association. He leads work on competition and specialist banking and finance, dispute resolution, IBOR transition and international trade. He chairs an advisory group for the UK government on creative industries and is part of a minister led board on promoting female entrepreneurship.

Previously, he had a distinguished career at Lloyds Banking Group, having been responsible nationally for risk management, marketing, international services and training as well as management of local teams. He led competition policy, financial services and business community relationships and lending policy at Group level and was also a member of executive boards in Lloyds Banking Group’s Commercial Banking and Retail divisions with responsibility for business banking and invoice and asset-based finance both through Lloyds Bank and Bank of Scotland.

Stephen read Economics at University College London and has professional qualifications from the Chartered Institute of Bankers and the Chartered Institute of Marketing.

Between 2004 and 2014, he chaired the British Bankers’ Association SME Panel. He now represents the UK on business finance at the European Banking Federation and is on the executive committee of European Union Factoring and Commercial Finance Association..

Stephen is a director of the UK Business Angels Association, the trade association dedicated to promoting angel investing and supporting early stage investment in the UK.

PRIME Cymru is one of HRH the Prince of Wales core charities and works to help people over 50 in Wales to become economically active particularly by starting businesses. Stephen was chairman between 2008 and 2017 and remains a trustee. He lives in North Somerset and is married to Cordelia, a GP. They have three grown up children