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Meet our
executive team.

Chris Newkirk

Chris Newkirk

Head of International

As Head of International since mid-2013, Chris leads Capital One's UK and Canadian credit card businesses and is a member of Capital One's US Card Leadership Team.

Chris and his team set international strategies while delivering strong risk-adjusted returns and a compelling customer experience. He is also particularly proud to be part of a UK business that was awarded Europe's Best Workplace in 2013 in the large company category by Great Places to Work®.

Chris joined Capital One US in 2008, where he held leadership roles in both Capital One's Branded and Partnership Card businesses. Prior to joining Capital One, Chris was a management consultant with McKinsey & Company and a business unit president at a US bank.

Chris earned his undergraduate degree with honours from Yale University in 1994 and is a 1999 magna cum laude graduate of Harvard Law School.

Victoria Mitchell

VICTORIA MITCHELL
UK Vice President and Chief Operating Officer

Victoria joined Capital One in 1997, immediately taking responsibility for setting up the Legal department. Before joining the organisation she worked in the banking division of leading solicitors Wilde Sapte, where she helped to establish the UK branch of Capital One.

Victoria became Chief Operating Officer in 2011. Amongst her responsibilities she is accountable for Operations and Risk Management.

She is also a member of the Board of the UK Cards Association.

RUPERT MACINNES

RUPERT MACINNES
UK Chief Risk Officer

Rupert's career began as a trainee solicitor at Allen & Overy, where he went on to work in their banking and finance litigation team for four years.

Rupert joined the Capital One Legal team in 2002, looking after market facing activity, litigation and regulatory work. He was made Head of Legal in 2007 and became Chief Risk Officer in 2011.

Rupert is a qualified solicitor, has a degree in law from the University of Southampton and an MBA from Imperial College Management School.

JAIDEV JANARDANA

JAIDEV JANARDANA
UK Vice President and Chief Marketing Officer

Jaidev joined Capital One during 2002 in our US office in McLean, Virginia. After 5 years working in the US Card business, he transitioned to the UK in late 2007 to head the Credit Risk Management team..

Since then he's taken up a number of roles in the business, from heading up our Risk Operations function to leading our New Customer Acquisition and Business Development efforts across UK Card. Jaidev's expanded and diversified experience has given him a wealth knowledge to lead the business as Capital One UK's Chief Marketing Officer.

Jaidev has an MBA from The Indian Institute of Management, Bangalore and a B Tech from Gujarat University.

ROB HARDING

ROB HARDING
UK Vice President and Chief Information Officer

Rob's career began as a consultant for the National Grid Group. He moved to East Midlands Electricity in 1996 where he held a variety of analyst and IT roles within their Energy Trading department.

Rob joined the Capital One IT Team in 1999. He was made head of IT architecture and programme delivery in 2008 and became Chief Information Officer in 2010. In 2013 Rob featured within CIO magazine's list of the top 100 transformative CIOs in the UK.

Rob has a first class honours degree in Physics from the University of Nottingham.

NEIL HERBERT

NEIL HERBERT
International Chief Financial Officer

Neil joined Capital One in 2001 initially leading a finance team in Internal Audit.

Moving to Finance in 2005 he became CFO for a diverse portfolio of adjacent lending businesses before becoming UK Financial Controller in 2008. He was appointed as International CFO in 2013.

Prior to joining Capital One, Neil held a variety of internal audit and financial positions in retail and FMCG businesses.

Neil is a chartered management accountant and has a degree in Economics & Accounting from the University of Durham.

KAREN BOWES

KAREN BOWES
Vice President, International HR and Sustainability

Karen is the Vice President of International HR and Sustainability for Capital One's UK and Canadian credit card business. Karen has led our people strategy since 2009 and these efforts have resulted in Capital One UK being named as the UK's and Europe's Best Workplace in 2013 in the large company category by Great Places to Work®.

Prior to joining Capital One in 2003, Karen practiced employment law in both London and Surrey.

Karen earned her undergraduate degree with honours from Kent University in 1993 and graduated with distinction from the College of Law, Guildford.