We now operate at the intersection of the dynamic retail, financial services and tech industries, helping to make good things easily accessible to more people by offering customers the brands they love and flexible ways to pay.

That’s an exciting place to be. It also requires nerves of steel and an unceasing desire to iterate and improve what we do.

To achieve our ambition of being the number one destination for shoppers who want to spread the cost, we need to put tech and data at the heart of our business and keep reinventing ourselves as we have done for almost 100 years. It’s more important than ever that we’re agile and responsive to change.