Phil has responsibility for driving the Sales & Marketing capabilities at BMWFS in the UK. This includes new business growth and retention across the Retail & Commercial portfolio, business model development & innovation, including digitalisation. Phil, a Birmingham University commerce graduate and qualified accountant (ACMA), first joined BMW, from HSBC in 1997. In total he has over 25 years’ experience in the Financial Services Sector. Prior to his current Sales & Marketing role Phil was Chief Operating Officer for BMWFS UK, he also acted as Chief Financial Officer for BMWFS in both the UK and Australia, as Managing Director for BMWFS in Ireland and has also worked in the Head Offices of BMW in Germany. Phil has extensive Fleet company experience and has been involved in substantial portfolio sale and acquisition projects, securitisation debt sales, new business set ups (both in UK and Overseas), and is also a Pension Trustee for one of the BMW Pension Schemes.