Nick is a highly respected executive with extensive experience in leading transformative change in complex organisations across public and private sectors. As Managing Director of the Consumer Digital business at Lloyds Banking Group, he runs the largest digital Retail Banking franchise in the UK. His responsibilities span the 12.4m online users (7.8m via mobile) across Lloyds Bank, Bank of Scotland, Halifax and Scottish Widows. He has transformed the business through unprecedented growth to provide a best in class eCommerce capability whilst maintaining a market leading customer experience. He is passionate about the digital inclusion and financial wellbeing agendas, proactively engaging in public policy setting and external media relations. Nick is also the Groups Ambassador for the North region, managing relationships with central and local government, MPs and LEPs. As the chair of the Northern Executive Committee, he brings focus to the region with the objective of helping northern communities and businesses prosper.