A Senior Executive, with over 30 years extensive Banking, Finance and Risk experience gained across UK’s major Financial & Banking Brands. Deep and strong understanding of the end to end operation of different Banking models including extensive experience in regulation & regulatory environment. Comprehensive strategic experience having lead & managed the full gambit of business and operational areas at Oak North, Santander, Lloyds, Otto and Experian including strategy development, people, systems, regulators, external & internal suppliers for the entire credit cycle from pre-origination, customer management, underwriting to collections & recoveries et al. A strong people leader, equally comfortable engaging at the front line as at the Board Table. SMF10, CF1 & CF28 held.