Wembley, England, United Kingdom
With over 20 years of experience in banking and financial services, I specialize in risk analytics, enterprise risk management, and portfolio risk management. Currently, I am a Sloan Fellow at London Business School, deepening my expertise in leadership and strategy to drive impactful risk governance and operational excellence. My professional journey includes building and scaling risk oversight frameworks, enhancing model performance functions, and collaborating with cross-functional teams to align enterprise risk strategies with organizational goals. I am passionate about fostering effective governance, delivering actionable insights, and supporting robust decision-making to advance organizational resilience.
• Partnered with senior leadership to align model execution priorities with enterprise risk strategy and objectives. • Built and scaled the Model Performance function from inception, consolidating regulatory and decision model oversight across consumer portfolios into a single operating team. • Established governance and operating frameworks with Model Risk Management, model sponsors, developers, and IT. • Lead engagement with 2nd line (Model Risk Management, Fundamental Credit Risk, Independent Risk Model Oversight, Global Consumer CCAR Office, etc.) and 3rd line team (Internal Audit) on issues related to MIS report development, implementation, and execution.
Secured Model Monitoring Reporting and Analytics Lead: • Provided enterprise oversight of model monitoring, analytics, infrastructure, implementation, and stress-loss execution across U.S. and international secured portfolios. • Directed end-to-end model performance monitoring and forecasting analytics, delivering actionable insight to regional leadership and country risk teams. • Partnered with U.S. Heads of Modelling to govern implementation, production, and monitoring roadmaps across secured portfolio models. • Managed senior stakeholder relationships across Model Sponsors, Model Risk Management, Functional Review, and Internal Audit, ensuring strong governance within the modelling function. • Served as regulatory subject matter expert, leading engagement and responses on model methodology, performance, and control frameworks. • Streamlined regulatory monitoring and technical writing processes. • Strengthened model performance review by organizing the committee to review CCAR and CECL forecast losses and BI reporting including COVID-adjusted portfolio impacts. Head of Partnership Cards and Loans Risk: • Played a pivotal role in the launch of the fully digital Paytm First Card, leveraging partner data to expand into the New-to-Credit segment while maintaining disciplined risk governance. • Led development of advanced targeting and non-scoring risk models, establishing segment-level loss benchmarks and strengthening portfolio risk selection. • Directed end-to-end credit decisioning strategy, including risk-based line assignment, decision-system governance, and bureau overlay integration for new bookings. • Exercised enterprise credit policy leadership across the full lifecycle—product design, acquisition, portfolio management, and collections—while partnering with Independent Risk, technology, partners, and credit bureaus. • Governed external bureau data integrity and partner-led acquisition controls to ensure regulatory compliance and portfolio quality.
• Exercised credit delegation of AUD 1MM and provided independent Risk oversight on complex credit decisions and policy enhancements. • Led portfolio risk management, delivering timely analytics, performance monitoring, stress testing, and risk reporting across secured and unsecured portfolios. • Directed regulatory and statutory reporting, including APS 112, ARF 320.8, EFS submissions, and RBA securitisation reporting, ensuring accuracy and compliance. • Strengthened credit policy and portfolio controls by identifying emerging deterioration, recommending corrective actions, and guiding underwriting standards. • Provided enterprise data and model governance, overseeing data quality, model documentation, loss forecasting methodologies, and model performance evaluation across consumer portfolios. • Partnered with regulators, senior management, and global stakeholders to address risk concerns, deliver analysis, and support supervisory engagement. • Oversaw mortgages systems, collections governance, hardship approvals, and quarterly Risk Appetite reporting to senior leadership. • Collaborated cross-functionally with Product, Finance, Decisioning, Operations, and Collections to balance risk, regulatory expectations, and sustainable financial performance.
While working for the largest professional services network in the world I was responsible for managing the performance of 2 direct reports to ensure the delivery of high quality services as well as managing a variety of small to medium size project assignments within strict deadlines and budget
At this time I was responsible for providing analytical data support to a number of key initiatives through the effective management of 2 direct reports, accurate requirements gathering and stakeholder management.
I was responsible for the effective development and delivery of analytical dashboards and quarterly reporting packages for a variety of clients in order to facilitate evaluation of executive performance and customer satisfaction levels.