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Niki Cleal was the Director of the Pensions Policy Institute (PPI) with overall responsibility for leading and managing the PPI from 2006 - 2013. During her time at the PPI Niki oversaw the delivery of a wide range of PPI research projects on state pension, private pension and public sector pension reforms as well as wider research projects on retirement income and assets. Niki was also a member of Lord Hutton’s Panel of Experts on his fundamental review of the public service pensions.
Niki joined the PPI from Halifax Bank of Scotland (HBoS) where she was Research Director, on secondment from HM Treasury where she worked for 6 years. An economist by training, during her time at the Treasury Niki led two major independent reviews – the Morris Review of the Actuarial Profession and the Lambert Review of business university collaboration. At HBoS, Niki had responsibility for developing corporate position on pension policy, and leading the HBoS response to the Pensions Commission report.
Niki has a BA (Hons) Economics from Cambridge University and an MBA from INSEAD.