Just Annual Report and Accounts 2024

Just Group plc | Annual Report and Accounts 2024

SENIOR LEADERSHIP

01. David Richardson GROUP CHIEF EXECUTIVE OFFICER

05. Ellie Evans GROUP CHIEF PEOPLE OFFICER Role and experience

07. Pretty Sagoo MANAGING DIRECTOR, DEFINED BENEFIT SOLUTIONS Role and experience

See David’s Biography on P72

Ellie is responsible for the people and culture agenda, and plays an active role in delivering the Group’s strategy and fostering Just’s culture of inclusion, belonging and high performance. In her role, Ellie is focused on ensuring the Group possesses the necessary talent, leadership and capabilities to meet both current and future business needs. Her remit encompasses all facets of colleague experience, including engagement, the workplace environment, development, reward, belonging and inclusion, and sustainability. Ellie is, together with Paul Fulcher, the joint Executive Sponsor for Just’s charitable activities. Ellie has over 20 years of cross industry HR leadership experience in operational, talent, learning, engagement, organisational design and development roles. Prior to Just, Ellie has worked at companies such as BAA plc, BP plc, Volkswagen Group, ABF plc and most recently, BGl Group. 06. Paul Fulcher GROUP CAPITAL MANAGEMENT AND INVESTMENT EXECUTIVE Role and experience Paul is responsible for Just’s in-house Investment function, and for Capital Management. He leads on the first line management of Just’s market, credit, demographic and reinsurance risks, and manages the Group Pricing function. Paul is the Executive Sponsor for the social mobility network Just Mobile, and, together with Ellie Evans, leads the Group’s charitable activities. Paul has 35 years of experience in the life insurance industry. Before joining Just, Paul was a principal at Milliman LLP, a life and financial services consulting firm. Prior to his time at Milliman, he spent six years at Nomura as a Managing Director, overseeing their Structuring and Insurance Solutions team providing solutions to insurers across Europe. He also worked in risk advisory and capital solutions roles for the Royal Bank of Scotland and UBS, and on mergers and acquisitions in the UK and Japan for HSBC and PwC. Paul is a Chartered Actuary (Fellow) of the Institute and Faculty of Actuaries.

Pretty is responsible for the Group’s de-risking (pension risk transfer) activities, providing security in retirement for members of corporate defined benefit (“DB”) pension schemes that transfer to the Group. She also leads the DB business and proposition development for corporate pension schemes. Pretty holds Executive responsibility for sponsorship of the Diverse Abilities network. Pretty has over 20 years of pensions and life insurance experience gained through a career in Investment Banking and Insurance. Prior to Just, Pretty was Head of New Business and Pensions at Athora, a European Insurance consolidator, where she was responsible for developing the new business franchise to support their growth. Pretty has also worked in pricing and execution for Legal and General, and insurance and pension solutions at Deutsche Bank. Outside of Just, Pretty is a Trustee for the Mineworkers’ Pension Scheme. 08. Paul Turner MANAGING DIRECTOR, RETAIL Role and experience Paul is responsible for the Group’s retail businesses in the UK and South Africa. The retail business delivers retirement solutions to intermediated customers through insurance, investment and mortgage propositions. Paul holds Executive responsibility for sponsorship of the Women’s and Men’s Health and Wellbeing networks. Paul has over 30 years’ experience in the insurance industry. Prior to Just, Paul held various senior international roles at Swiss Re in Asia and Australia including the executive leadership of its life and health business for Southeast Asia based in Singapore, and Chief Underwriting Officer for Asia Pacific based in Hong Kong. Paul is an Executive Director of various Just subsidiaries including our life companies, Just Retirement Limited and Partnership Life Assurance Company Limited. Outside of Just, Paul is a Just representative Director for EPPARG Limited.

02. Mark Godson GROUP CHIEF FINANCIAL OFFICER See Mark’s biography on P72 03. David Cooper

GROUP MARKETING AND DISTRIBUTION DIRECTOR Role and experience

David is responsible for marketing, distribution and the Group’s HUB business. He leads the Group’s brand, insight and marketing activities, Group business development and is responsible for the Group strategy function. He is also the accountable Executive for all aspects of customer strategy including Consumer Duty. David holds Executive responsibility for sponsorship of the Older Workers Learning and Sharing network. With 40 years in the financial services industry, David has operated in a number of sectors including retail banking, general insurance, personal credit, actuarial consulting and the retirement industry. He has worked for a variety of large organisations including GE Capital, Centrica, Bradford & Bingley and Hymans Robertson as well as much smaller growth businesses such as Stalwart Assurance, the business that developed enhanced annuities. David is an Executive Director of various Just subsidiaries including HUB Financial Solutions Limited. On behalf of Just, David is a Director of 55 Redefined Limited, a Group which delivers solutions that are targeted towards attracting, engaging, growing and retaining those in the 50+ demographic. 04. Alex Duncan GROUP CHIEF RISK OFFICER Role and experience Alex is responsible for the oversight of risk management and compliance with financial regulation. He holds accountability, among others, for the firm’s performance of its obligations under the FCA senior management and certification regime (SMCR); conduct rules training and reporting, countering the risk that the Company might be used to further financial crime; the Group’s Own Risk and Solvency Assessment; the firm’s Compliance; and Climate Change risk. Alex holds Executive responsibility for Just’s implementation of its Sustainability strategy and for sponsorship of the Pride at Just network. With over 35 years’ experience in the financial services industry, Alex has held roles in reinsurance, investment banking, consulting, treasury, mergers and acquisitions, and capital management. Alex is a Chartered Actuary (Fellow) of the Institute and Faculty of Actuaries.