Executive Team

  • Highly experienced in financial services.
  • Responsible for the development and implementation of strategy and our financial, operational and risk management.
  • Accountable to both the Committee of Management and the Managing Board.

John Perks

John joined as CEO for the Police Mutual Group on 1 April 2019.

Prior to this, John was Managing Director at LV= and oversaw their trading businesses and the Heritage closed book. This encompassed Protection, Retirement and Savings & Investments businesses, as well as being CEO of the Advice business.

John had originally joined LV= as the Customer Solutions Director in July 2007, a member of the Life Executive, where he was responsible for the development of the full product suite for the Life business, and joined LV=’s Group executive team in 2016, leading a team of over 1,000 colleagues.

John is a qualified actuary with over 25 years’ experience in the industry. Prior to working for LV=, John was the Director of Protection at Prudential, covering their Life Insurance manufacture and General Insurance and Healthcare partnerships, and has also held senior roles at AXA and Swiss Life (UK).

When he’s not living in the Premier Inn, he can be found “relaxing” at his Bournemouth home with his energetic young daughter and son, while being told by his wife to “stop talking, I’m trying to write”.

John is a keen follower of sport, although generally less actively since the family arrived.  However, as part of his mid-life crisis, he took up boxing a few years ago and even competed in bouts in 2015 and 2016. He complements this with the less painful activities of squash and kayaking.

Andy Elkington BA (Hons) MBA
Group Sales & Marketing Director

Andy is an Economics graduate with over 10 years’ experience at director level in sales and marketing, gained from the Retail Banking and Insurance industries across the UK and Scandinavia.

Before joining Police Mutual, he was the Director of Bank & Building Society Distribution at Legal & General, with responsibility for all Protection and General Insurance relationships as well as L&G’s Protection Advice team. In the past, he has led teams at Virgin Money, RSA and National Australia Group.

Andy joined Police Mutual as Group Sales and Marketing Director in 2017 and was appointed to the Managing Board in October 2017.

Rachel Kirwan BSc ACIS
Company Secretary
Rachel is a qualified Chartered Secretary and has been Company Secretary at Police Mutual since 2000. Rachel’s group responsibilities include corporate governance, legal and complaints.

David Loughenbury BSc (Hons), MBCS, CITO, MAPM
Group Chief Information Officer

Before joining Police Mutual Dave has spent most of his career in retail financial services, delivering large business change and IT programmes in a number of companies including HBOS, Aviva, Yorkshire Building Society, Furness Building Society and Spectris.

Dave joined Police Mutual in 2011 as Chief Information Officer to lead the change agenda for Police Mutual and develop an IT Strategy to support the business.

David Vallery BSc FFA
Chief Risk Officer
David is a qualified actuary whose career started at Scottish Amicable a leading mutual life insurer before joining AXA as Assistant Group Chief Actuary. David then spent nine years at HBOS in various roles including time as the Chief Financial Officer of the HBOS Australia Insurance and Investment Division before returning to the UK to run the Bank of Scotland private client business. Prior to joining Police Mutual David was a Risk Consulting Partner at KPMG.

Kathryn Winup FACCA AMCT
Finance Director

Kathryn Winup is an experienced finance professional with international and UK experience across the banking and insurance sectors. She has previously held Finance Director roles at Royal Bank of Scotland and its subsidiaries, including FD RBSI, FD Coutts & Co, CFO Wealth Management Division and FD, SME building a strong track record in Retail Banking, SME Banking and Wealth Management. Immediately prior to joining Police Mutual, Kathryn was Chief Finance Officer Digital at Aviva, with responsibility for the direct business across the GI, Life and Health insurance sectors.

Kathryn joined Police Mutual in September 2017 and was appointed Finance Director in November 2017. She is a Fellow of the Association of Chartered Certified Accountants and an Associate Member of the Association of Corporate Treasurers.