Credit Analytics Director, Retail Division @ Close Brothers
Senior Manager, Customer Insight @ Lloyds Banking Group
Senior Manager, Customer Analytics & Decisions @ Lloyds Banking Group
A Levels, Mathematics, Further Mathematics & Physics, 3 As @
Red Maids School
An accomplished and highly experienced Senior Manager in Retail Credit Risk and Customer Insight. Recognised as a strong and effective leader, who is able to manage a team of analysts to achieve demanding business objectives. Expert knowledge and experience in customer insight, risk models and strategies in Retail Banking including Basel II modelling. Substantial experience in managing
An accomplished and highly experienced Senior Manager in Retail Credit Risk and Customer Insight. Recognised as a strong and effective leader, who is able to manage a team of analysts to achieve demanding business objectives. Expert knowledge and experience in customer insight, risk models and strategies in Retail Banking including Basel II modelling. Substantial experience in managing and influencing multiple senior stakeholder relationships with excellent communication skills.
Credit Analytics Director, Retail Division @ From November 2015 to Present (2 months) Senior Manager, Customer Insight @ From December 2014 to Present (1 year 1 month) London, United KingdomSenior Manager, Customer Analytics & Decisions @ Leading a strong analytical team to build and maintain PCA Operational, PCA Basel and Loans Basel models. Ensuring all models are maintained, meeting regulatory requirements and fit for business needs. Building innovative and simply models driving business benefit. Setting strategic direction for PCA models to support Lloyds vision and objectives. Training and developing a team of 12 people to be the best analytical support funtcion possible.
Programme management of the impact of LBG Verde divestment on Customer Analytics and Decisions department. Responsibility for ensure all retail credit risk models remain suitable for retained portfolios, within governance and capital and impairment calculations are appropriate. Ensuring all live operational, capital and impairment models process correctly on LBG systems during divestment phases. Evaluation and driving data landscape changes to met modelling requirements. From July 2012 to November 2014 (2 years 5 months) London, United KingdomManager, Customer Analytics & Decisions @ Leading and developing a team of modelling and analytical experts to build and deliver industry leading Credit Risk models using statistical techniques as well as analytical solutions to drive risk strategies. Proactively engaging and building excellent stakeholder relationships through effective communication. Presenting findings and business impacts to senior leadership and confidently influencing the outcome
Leading in the vision, design and implementation of collections and recovery models supporting contact strategies and providing analytical insight into back book portfolios.
Ownership for Loans Operational Models and responsibility for delivering value to the portfolio. Understanding the strategic vision and risk appetite of the business and consequently assessing model usage to provide optimum solutions. Responsibility for Loans Acquisition and Collection model monitoring within the team. Driving forward improvements in efficiencies to produce packs and reporting key measures to the business.
Supporting the UK’s largest integration programme merging LTSB and HBOS processes. Ensuring operation strategies continue to function post release and cause minimal impact to the customer. Proactively participating in the design of an £10m analytical platform to provide significant enhancements to the credit risk division in efficiency and data accuracy.
Responsibility for recruiting, building and retaining an excellent team of highly motivated analysts. Set up of individual development plans, including coaching and training requirements for them to meet their maximum potential. Delivering world class initiatives for the department and across business in training and R&D. From December 2009 to June 2012 (2 years 7 months) London, United KingdomConsultant @ Delivering solution consultancy and data analytics across a number of sectors, including banks, financial services and utilities. Providing clients with consultancy based on a comprehensive knowledge of consumer credit products and risk assessment methodologies, coupled with an excellent
understanding of the drivers of credit profitability.
Developing a detailed understanding of Basel II expected loss, provisions and downturn parameters (specialising in retail banking) including the application of multiple methodologies using through the cycle and point in time periods and development of parameters. Interpreting regulatory requirements and ensuring Basel II compliance met within difficult timescales.
Completing a portfolio analysis and strategy review for a large mortgage lender, involvement in developing MI materials used in the business. This process included strategy development for the application process, policy rule validation, account profiling, affordability assessment and collections analysis. This was supplemented with an impact analysis on acquisitions and business operation reporting on provisions, RWA and capital requirement.
Developing key strategies for a major credit card portfolio, such as card reissuing strategy using decision trees and business knowledge and monitoring CLI/CLD strategies. Completing portfolio scorecard monitoring to identify scorecard misalignment, data issues and provide re-tuning.
Leading the project management of Jaywing’s annual product ’FOIL’, producing bespoke fraud prevention models for UK credit card and unsecured personal loan portfolios. Utilisation of bespoke fraud modelling methodologies, including both linear and non-linear models using weights of evidence regression. From April 2008 to November 2009 (1 year 8 months) Project Leader @ Set up of Experian’s Regional Analytics Group in Sofia, Bulgaria, with responsibility for implementing and managing a new regional analytics support team. Developing key relationships with regional offices in Europe to co-ordinate project resource for the Regional Analytics Group.
Project management of multiple projects across many regions, bringing together different credit risk methodologies to provide optimum solutions. Delivering model developments from application scorecards to Basel II inputs across a number of sectors and optimisation of Basel II cohort design for a large European client.
Responsible for the team management of five analysts, running recruitment, conducting appraisals and creating personal development plans. Training analysts to a high level of analytical skills using in-house software and SAS.
Extensive hands-on modelling work, using SAS and Experian’s own in-house modelling software. Good understanding and interpreting of bureau model solutions for a range of purposes. From 2004 to 2008 (4 years) Nottingham, United Kingdom
Bachelor's degree, Mathematics, 2.1 @ University of Nottingham From 2001 to 2004 A Levels, Mathematics, Further Mathematics & Physics, 3 As @ Red Maids School From 1993 to 2000
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