John has over 40 years’ experience as a civil servant across six government departments: Labour, Revenue, Finance, Environment and Local Government, Transport and culminating in his appointment as Secretary General of the Department of Jobs, Enterprise and Innovation (2011-2016). He has extensive experience of working at the most senior levels of government on the development and implementation of public policy and is particularly skilled in managing relationships with a wide range of stakeholders in the public policy domain. Since leaving the Civil Service John has taken on a number of roles as a senior level Public Affairs Consultant and in the Charity sector. He has also undertaken public policy roles at the request of government departments. He has considerable experience as a non-executive director and board chair.
Michael Broderick
CEO, Executive Director
Michael Broderick, a former Army Officer, joined the National Treasury Management Agency (NTMA) in 2006 where he held a number of different roles in the National Development Finance Agency (NDFA) and National Asset Management Agency (NAMA). In July 2018, Michael was appointed by the Minister for Finance as Project Lead for Home Building Finance Ireland (HBFI) and held the position of Interim CEO from April 2019 to September 2019. Between October 2019 and January 2022, Michael held the role of Chief Commercial Officer with HBFI. In February 2022 he was appointed as Interim CEO of the First Home Scheme and CEO in October 2022. Michael holds an MBA from the UCD Smurfit Business School and a Diploma in Company Direction from the IOD (Institute of Directors).
Natasha Cray
Non-Executive Director
Natasha Cray is a Principal Officer in the Department of Housing, Local Government and Heritage with specific responsibility for Housing Affordability and Cost Rental Policy. Natasha has over 25 years’ experience as a civil servant across six Government Departments: Public, Expenditure and Reform; An Taoiseach; Enterprise, Trade and Employment; Revenue and Social Protection. Natasha has extensive experience across Government in policy development and implementation as well as operational matters. Natasha is a graduate of Trinity College Dublin, University of Ulster and Letterkenny Institute of Technology with a B.Sc. in Information Systems, M.Sc. in Innovation Management in the Public Service, and additional qualifications in employment law and business and finance.
Sarah Cooney
Non-Executive Director
Sarah Cooney is a Principal Officer in the Department of Housing, Local Government and Heritage with specific responsibility for the Housing Strategy Unit. Sarah has over 15 years’ experience working in the public sector in Ireland, and has previously worked in the Department of Foreign Affairs, Department of Health and Office of the Ombudsman. During her tenure in the Department of Foreign Affairs, Sarah has worked in Rome and Brussels. She has also worked in the public sector in the UK. Sarah holds a Masters in International Development, and has undertaken postgraduate studies in governance and law.
Pat O'Sullivan
Non-Executive Director
Pat O’Sullivan is Head of Real Estate Research in AIB. Pat has over 30 years’ experience of working in the financial markets. Pat is responsible for the research and analysis of the Irish commercial real estate and residential development markets in
Ireland for AIB. He is on the senior management team of AIB’s Real Estate Finance division which is a leading senior debt provider for Land & Development Finance and Commercial Real Estate Finance in Ireland.
Pat is a graduate of University College Dublin and Dublin City University and has a BA and MA in Economics, an MSc in Investment and Treasury and is a CFA and QFA.
Rositsa Meehan
Non-Executive Director
Rositsa (Rosi) has over 20 years’ financial services experience with Allied Irish Banks, p.l.c. during which she held a number of different positions, most of which related to AIB’s residential mortgage business. Her roles over the years include the setup, governance and assurance of AIB Mortgage Bank, a separate legal entity within AIB Group. She is currently Head of Credit Models in AIB Retail Banking, a role which focuses on expected credit loss, capital (IRB) and credit grading models. Rosi is a Chartered Certified Accountant.
Aisling Griffin
Non-Executive Director
Aisling has over 20 years of experience in the financial sector with specialist expertise and leadership in credit risk. She previously managed credit exposures within Bank of Ireland's mortgage portfolio through the Global Financial Crisis supporting customers in financial difficulty during a vulnerable time in their lives. In her current role as Head of Credit Risk & Underwriting, Aisling is responsible for the credit strategy of Bank of Ireland’s €34bn mortgage portfolio, which represents c.40% of the total Group loan book, and leads the teams which underwrite all new mortgage lending in ROI. Aisling qualified from Ballsbridge College of Commerce and has continued her education in banking-related qualifications with the Institute of Bankers and University College Dublin.
Rachel Bradshaw
Non-Executive Director
Rachel has over 25 years’ experience in financial services and has worked with Bank of Ireland since 2013. Rachel has extensive leadership experience across Branch Banking, Direct Channels and Home Buying. In her current role, as Head of Mortgage Originations, Rachel is accountable for the delivery of the mortgage origination strategy and customer experience across all Bank of Ireland’s Home Buying channels. Rachel is a Qualified Financial Advisor and holds a Diploma in Financial Services from UCD and a Masters in Business Practice from UCC.
Dermot Ryan
Non-Executive Director
Dermot Ryan is Head of Bank Products and Pricing Strategy at PTSB since October 2024. He is accountable for ensuring the bank’s products meets customer’s needs while delivering expected balance and income targets for shareholders. Prior to joining PTSB Dermot held various product leadership roles at AIB, RBS, Ulster Bank and Barclays Insurance. Dermot holds an MBA from UCD, a Higher Diploma in IT from Maynooth University and a B.Sc. in Management from TCD. He also holds a QFA accreditation.
Deirdre Kelly
Non-Executive Director
Deirdre is a solicitor and member of PTSB’s Group Legal and Senior Leadership teams having joined PTSB in 2016. In her role, Deirdre is responsible for leading the legal aspects of strategic and transformational projects. Prior to joining PTSB, Deirdre worked in private practice specialising in commercial real estate law. Deirdre is a member of the Law Society of Ireland, the Society of Trust and Estate Practitioners and is also a Chartered Tax Adviser (Associate of Irish Tax Institute). She holds a Bachelor of Corporate Law (First Class Hons) and a Bachelor of Laws (First Class Hons) from N.U.I Galway.
