David is the Head of Retail Marketing at Virgin Money, and former Head of Innovation for Clydesdale Yorkshire Bank where he led the development of a new digital bank, B, which went on to become the core experience at the heart of the Virgin Money customer proposition once it was acquired by Clydesdale Bank.

David played a lead role in the design, development and delivery of the B proposition and brand, re-inventing CYBG from a very traditional regional bank, into a business fit for the digital age, as well as being the driving force behind the development of new physical branch locations such as Studio B and B Works, reimagining banking on the high street.

Several years ago, nobody would have envisaged Clydesdale Yorkshire Bank acquiring Virgin Money. CYBG was a old, legacy bank with an aging and rural customer base until they created B, a new digital banking proposition designed around a new, youthful and more urban demographic. This transformation gave the right to play to acquire one of the more cult like British brands, that could be applied to a proposition that could substantiate it.