Dan Lewis

A data-driven credit risk professional with 19 years' experience across retail, consumer and commercial banking. I specialise in transforming large, complex datasets into meaningful insight that supports strategic decision-making across the Risk division. My expertise spans Power BI development, portfolio analysis, risk appetite metrics, sector performance and operational reporting.

I bring a strong blend of analytical capability, commercial awareness and cross-functional delivery, with a track record of improving MI capability and driving data-led decision making.

Risk Manager, Credit Portfolio and Policy Management, Enterprise Credit Risk at Lloyds Banking Group (2023-02 – Present)

Risk Manager responsible for stakeholder engagement, risk appetite metrics, portfolio analysis and sector performance monitoring.

• Stakeholder engagement on delivery of Risk Appetite Metric annual refresh
• Built Power BI reporting for payment referrals, improving visibility of portfolio flow over time
• Re-engineered CPPM Sector RAGs using enhanced early-warning indicators
• Delivered monthly BCB portfolio MI to Exec committees and senior leadership teams
• Performed sector deep dives and severe scenario analysis to support impairment setting
• Led key data migration activities, ensuring alignment between M4V and RDW data structures

Assistant Manager, Commercial Credit Risk Assurance at Lloyds Banking Group (2022-01 – 2023-02)

Assistant Manager focused on credit assurance reviews, risk-based metrics development, and automated tools for portfolio analysis.

• Power BI Tool for Credit Assurance Reviews: Consolidated review statuses created a hierarchy and grouped data to identify sector reviews due within cyclical parameters
• Risk-Based Metrics Development: Utilised Commercial portfolio data in Power BI to monitor key risks monthly and introduced a risk metric that supported transition to a risk-based approach
• Automated Sampling Tool: Developed a Power BI tool to randomly select customer accounts based on specific criteria
• Team Training: Conducted comprehensive motor business credit policy and procedure training for the team
• Automated Planning Document: Created a planning document for the head of function, providing real-time updates on CCRA team workflows and review planning

Acquisition Strategy Analyst, Risk Division at Lloyds Banking Group (2020-06 – 2022-01)

Secondment (June 2020 – Sept 2021) then Permanent (Sept 2021 – January 2022). Led commercial strategy migration, scorecard changes, and portfolio management during pandemic.

• Leveraged skills in SAS (Le Mans), Tableau, Excel, and Power BI to generate key management information
• Led the migration of commercial strategy to the OMDM system, collaborating with multiple stakeholders and system owners
• Ensured rigorous testing of proposed changes to maintain system robustness
• Analysed and swiftly delivered crucial changes to scorecards in response to the pandemic
• Managed multiple adjustments across all motor portfolios within a tight timeframe
• Pioneered a behavioural experiment to address remote work challenges during the pandemic
• Established a Teams space for seamless communication, replacing the traditional 'lean over to ask' approach in the office
• Led a project to analyse, manage change, and implement a new scorecard for customer decisions in the personal contract hire product
• Engaged stakeholders, mapped rules, conducted thorough testing, and ensured successful pre- and post-implementation phases
• Consolidated several Excel-based management information reports into a single, user-friendly Power BI suite
• Simplified the delivery of key strategy indicators to Directors
• Developed a comprehensive training document to enhance the Risk team's understanding of credit application sanctioning procedures and processes
• Chaired monthly stakeholder meetings, meticulously organising agendas, and tracking actions

Credit Analyst, Risk Division at Lloyds Banking Group (2013-10 – 2020-06)

Credit Analyst role with promotion during tenure.

A-Levels in Including Maths & English

GCSE in 10 GCSEs