Holding a senior leadership role (SMR Certified) in the Credit & Risk Management team of a UK financial services organisation, Im an experienced credit risk professional with 23 years in the UK mortgage industry. A clear thinking individual with a strong track record for policy oversight, risk appetite development and the use of analytics to drive strategic change within an organisation. Focused on delivering the right balance between risk, reward and fair customer outcomes. Specialties in mortgage risk assessment (head of lending mandate), new product development, risk appetite development & oversight, credit policy management, portfolio modelling, bespoke customer segment strategies, financial planning, budgeting & analysis.