Our management team

Richard Davis Director
Richard has worked for 20 years in Financial services rising to Chief Information Officer at GE Money UK in 2004. He subsequently helped launch MoneyPartners (an Investec subsidiary) as IT Director, through to the eventual sale to Goldman Sachs. Prior to joining One Savings Bank, Richard worked for 4 years at Morgan Stanley covering IT, Projects and Transaction Management for the European Residential business as an Interim Director.
Irfanulla Khan Director
Irfan is a Commerce graduate with honours in Advertising and Marketing Information services and also holds a higher diploma in software engineering. He comes with strong operational and business transformation background. He started of his career with HSBC servicing personal banking customers from the Middle East and then took up assignments in key roles with Ocwen Financial Solutions Pvt Ltd India and ISGN where he was in charge of managing and growing third party business in the US lending and banking domain. As part of these assignments he has illustrated very successful leadership and business development skills by Managing and adding large accounts, most of the clients being part of the top 10 lender list in the US.
Sunil D'Souza Director

Sunil is a Seasoned Finance Professional with extensive experience across a number of areas of Finance, including but not limited to Corporate Finance and Treasury Management.

Sunil joined Osb India with experience in a number of leadership positions including Chief Financial Officer at Festo India, Corporate Finance Controller at Volvo India and Manager of Finance & Company Secretary at CapitaLand & Prestige Group JV.

Sunil's qualifications include:

  • Bachelor of Commerce from Mangalore University in 2000
  • Institute of Charted Accountants of India (ICAI) since 2006
  • Institute of Company Secretaries of India (ICSI) since 2008
  • Institute of Cost & Management Accountants of India (ICAI) since 2012
Andy Golding Director
Andy has over 25 years' experience in financial services and has held senior positions at NatWest, John Charcol and Bradford & Bingley. Prior to joining OneSavings Bank he was the CEO of Saffron Building Society, where he had been since 2004. He holds a number of positions with industry institutions including membership of the Building Societies Association's Council and the Council of Mortgage Lenders Executive Committee. He is also a Director of the Building Societies Trust and has also served as a Non-Executive Director for Northamptonshire NHS. Andy is passionate about simplicity and fairness in financial services and is a published author on the subject of financial education.
Clive Kornitzer Director
Clive has over 20 years of Financial Services Experience. Having worked at several financial organisations from Yorkshire Building Society, John Charcol and Bradford and Bingley prior to joining OneSavings Bank he spent six years at Santander where he was the Chief Operating Officer for their intermediary mortgage business. He has also held positions at EFMA and is the Chair of the FS Forums Retail Banking Sub Committee. He recently became a fellow of the Chartered Institute of Bankers.