Paul was born in Manchester and started his career with the then Halifax Building Society. He played a key role in the implementation of FSA mortgage regulation within Halifax plc in 2004. He joined the BSA and set up its mortgage team in November 2008. Paul is a frequent media commentator and conference speaker on matters relating to mortgages and housing in the UK. He is also a member of the Consumer Policy Working Group of the European Association of Co-operative Banks.