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.
