Executive management

Matt Atkinson, Group Chief Marketing Officer

Matt joined Saga in September 2015 as Group Chief Marketing Officer, and sits on Saga’s Executive Committee. He is responsible for marketing and customer engagement across all of Saga’s communication and e-commerce activities.

Before joining Saga, Matt held a number of senior roles at Tesco plc. Prior to this, Matt was Global CEO of Marketing Services for Havas, and has held Managing Director roles at Omnicom, and Saatchi & Saatchi.

Andrew Button, CEO of Acromas Insurance Company Limited (AICL)

Andrew joined Saga in 2001 as Chief Actuary for our Services Division. In 2003 he was appointed Pricing Director for AICL. Prior to this he was Group Actuary for Hiscox plc and Head of Actuarial Services at Orion Personal Insurances Limited..

Karen Caddick, Group Human Resources Director

Karen joined Saga in 2015 as Group Human Resources Director and leads the development and implementation of the company's HR strategy. Previously, she was Group Human Resources Director at Millennium & Copthorne Hotels plc. Karen graduated from Glasgow University in 1991 with an MA (Hons) in History and is ACII and FCIPD qualified. She has gone on to build a career in Human Resources Management, holding a variety of senior positions. Karen spent 10 years in Financial Services working in a number of HR positions for Royal & SunAlliance and Barclays Bank. Karen then went on to hold Human Resources Director roles at Channel Five, The Financial Times, Punch Taverns & Spirit Group PLC and Morrisons PLC.

Julius Christmas, Group IT Director

Jules joined Saga in 1997 after an early career in software application development and business analysis roles. Prior to becoming Group IT Director in 2008, Jules's roles have included Head of Application Development, IT Director for the Services Division and IT Director for Travel. Jules led the IT transformation programme initiated in 2007, which included the in-sourcing of a number of critical IT services and re-platforming of enterprise applications. Alongside his primary responsibilities, Jules has fulfilled a number of strategic project and programme leadership roles in the IT, Digital and operational domains.

Nicola Audhlam-Gardiner, Managing Director, Saga Investment Services

Nici joined Saga in August 2015 from Williams & Glyn, the UK challenger bank, where she held the role of Marketing Director. She was previously Products and Marketing Director for the Corporate Bank of RBS and has held Retail Director roles at Santander and Lloyds Banking Group. Nici's earlier career was at McKinsey, with a focus on the financial services sector. She holds a BA from the University of Oxford, an MBA from Harvard Business School, and sits on the board of Catalyst, a social housing company. Nici reports to the JV Board of Saga Investment Services but also attends the Saga Executive Committee.

Roger Ramsden, CEO of Saga Services

Prior to joining Saga in August 2008 as CEO of Saga Services, Roger was Managing Director of the household insurance business of RBS Insurance and Strategy and Marketing Director for the RBS Insurance Group. Previously, he was Commercial Director at Prudential for the UK life and pensions business, covering all marketing and product activities. Before joining the financial services industry, Roger’s career was in food retailing as Marketing Director of Safeway and Management Consultancy for the Boston Consulting Group. He started his career at Unilever.

Andrew Strong, CEO of Travel and Wealth Management

Andrew joined Saga in 2001 and currently leads Saga’s Travel business and wealth management. Previously, he served as Saga Services' Operations Director and Chief Operating Officer of Saga Services, among other roles at Saga. Andrew also served for six years as CEO of the AA as part of the 2007 creation of the Acromas Group. Before joining Saga, he has held a number of roles with AMP UK, including Director of Group Operations and Director of Customer Service at NPI/AMP.