MAKING MORE POSSIBLE

Andy Davies serves White Oak as Managing Director, White Oak Leases & Loans where he is responsible for front office business performance, managing origination teams and setting the overall commercial appetite. Andy has over 30 years of experience in providing funding to the UK SME market across a broad variety of origination roles all held at White Oak, and has previously served as Director of Sales at LDF Group since 2002. Andy serves on the Board of Directors

Chris Heeley serves White Oak as Chief Credit Officer, White Oak Leases & Loans where he is responsible for maintaining credit policy, managing the underwriting team and overseeing external funding partner relationships. Chris has worked with White Oak for over 21 years and has been responsible for overseeing the Credit function since 2014 when White Oak first established its own book lending capabilities

Nick Isaacs serves White Oak as Chief Risk Officer, White Oak Leases & Loans where he is responsible for automated credit decisioning, credit scoring and managing non-performing agreements. Nick has over 20 years of financial services experience, having joined White Oak in 2020 after holding leading credit roles at Premium Credit and American Express. Nick holds a BA (Hons) Business Studies from Sheffield Hallam University

Daniel Werchola serves White Oak as Chief Strategy Officer and Director of M&A, White Oak Europe, where he is responsible for determining overall corporate strategy, key strategic initiatives and inorganic growth. Daniel has almost 20 years of experience across financial services and investment banking, joining White Oak in 2020 having previously held roles at RBC Capital Markets, Rothschild, Bear Stearns and KPMG LLP. Daniel is a Chartered Accountant (ACA) and holds a Meng (Hons) Chemical Engineering from Imperial College, London

Andrew Gadsby services White Oak as Director of Finance, where he is responsible for financial control, financial reporting and financial planning and analysis. Andrew has over 25 years of financial services experience, having held previous roles with KPMG, Dresdner Kleinwort, Morgan Stanley, RBS, Lombard, JCB Finance and PEAC. Andrew is a Chartered Accountant (ICAEW) and holds a BSc (Hons) Psychology from University of York. Andrew serves on the Board of Directors

Douglas Banks serves White Oak as Treasurer, where he is responsible for liquidity, cash management and funding lines. Doug has over 25 years of markets and treasury experience, having joined White Oak in 2020 after holding previous senior roles with Virgin Money, Royal Bank of Scotland and Citi. Doug is a Chartered Management Accountant (CGMA), CISI Charterholder and holds a Bachelor of Business Studies from Charles Sturt University, Australia

Annabel Giles serves White Oak as Director of HR, where she is responsible for people strategy, including performance management and talent acquisition. Annabel has over 20 years of industry experience, having joined White Oak in 2020 after holding senior roles at Actis LLP, Credit Agricole CIB and Lazard Asset Management. Annabel is a CIPD Charterholder, and holds an MSc and BA (Hons) from University College London

Ross Rutherford serves White Oak as General Counsel, where he is responsible for all legal matters and supports with regulatory and compliance aspects. Ross has over 12 years of financial services experience, having joined White Oak via its acquisition of First Independent Finance in 2015 after working in practice with Harper MacLeod LLP. Ross holds an LLB (Hons) (Euro) from the University of Strathclyde and a DipLP from Glasgow Graduate School of Law and is dual qualified as a solicitor in England & Wales and Scotland. Ross also serves as Company Secretary