76 | Just Group PLC | Annual Report and Accounts 2023
SENIOR LEADERSHIP
01. David Richardson Group Chief Executive Officer
04. David Cooper Group Marketing and Distribution Director Appointed: 4 April 2016 David joined Just Retirement Group in April 2006 as Marketing Director and his role changed to Group Marketing and Distribution Director in 2009. David is also the Chief Executive Officer of the group of companies trading under the HUB brand, which are subsidiaries of Just Group plc. David has over 35 years’ experience working in financial services. He 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 founder of enhanced annuities. David is a Non-Executive Director of Comentis Limited and Criterion Tec Holdings Limited, a not-for-profit body that delivers professional standards and governance services for the UK’s financial services industry.
07. Paul Fulcher Group Capital Management and
Investment Executive Appointed: 1 February 2021 Paul is responsible for Capital Management, Investments and Group management of market, demographic and medical, pricing and reinsurance risks. Paul has over 30 years’ experience in the life insurance industry. Prior to Just, Paul was a principal at Milliman LLP, a life and financial service consulting firm. Before Milliman he spent six years working at Nomura as Managing Director, leading their ALM Structuring and Insurance Solutions team for Europe, the Middle East and Africa. Prior to Nomura, he worked for the Royal Bank of Scotland in their Global Markets business as Managing Director and Head of their Financial Institutions Risk Advisory team. Paul is a Fellow of the Institute and Faculty of Actuaries. 08. Pretty Sagoo Managing Director, Defined Benefit solutions Appointed: 11 April 2022 Pretty is responsible for the Defined Benefit de-risking business. Prior to Just, Pretty was Head of New Business and Pensions at Athora, where she was responsible for developing the new business franchise to support their organic growth targets. Other previous roles include Head of Pricing and Execution for the Pension Risk Transfer business at Legal and General, and Head of Insurance and Pension Solutions at Deutsche Bank. Outside of Just, Pretty is also a Trustee for the Miners Pension Scheme.
See David’s biography on P72
02. Mark Godson Group Chief Financial Officer
See Mark’s biography on P72
03. Conor Breslin Group Chief Digital Information Officer Appointed: 4 March 2024 Conor is responsible for Technology, Transformation, Change and IT Architecture as well as embedding modern methods of change delivery. Conor brings a wealth of experience and expertise to Just, having held leadership roles at Cover-More Group Limited (part of Zurich Group), Provident Financial, EasyJet, and AstraZeneca, working in a number of areas including strategy and architecture, change management and service delivery.
05. Alex Duncan Group Chief Risk Officer Appointed: 4 April 2016
Alex joined Just Retirement Group in September 2012 as Group Chief Risk Officer. He is a Fellow of the Institute and Faculty of Actuaries and has over 30 years’ experience in the financial services industry covering many disciplines, including reinsurance, consulting and banking. Prior to Just, Alex spent eight years at Old Mutual, where he held a number of positions, including mergers and acquisitions, capital management and treasury.
06. Ellie Evans Group Chief People Officer Appointed: 31 October 2022
09. Paul Turner Managing Director, Retail Appointed: 1 February 2016
Ellie is responsible for the people and talent agenda at Just and plays an active role in delivering the Group’s strategy and fostering Just’s culture of inclusion and performance. 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.
Paul joined Just Retirement Group in August 2014 and is responsible for the Group’s retail businesses in the UK and South Africa. Previously, Paul led Just Group’s mortgage, corporate development and international divisions. Prior to Just, he held various senior international roles at Swiss Re in Asia and Australia. He has over 30 years’ insurance industry experience. Paul is an Executive Director of our life companies, Just Retirement Limited and Partnership Life Assurance Company Limited. Outside of Just, Paul is a Non-Executive Director of EPPARG Limited.
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