Retail banking leader with success in marketing and risk roles with significant P&L responsibility. Expert in identifying strategic opportunity, simplifying complexity, and delivering change in complex and challenging environments. Specialties: Corporate strategy, Retail Banking, Credit Risk, Conduct Risk, Prudential risk, Marketing, Direct Marketing, Finance, Credit cards, Current Accounts, PRA & FCA Regulation, Capital Regulation & Reporting, Financial planning, Budgeting, Forecasting, Stress testing, Operations coordination, Customer insight, Product Development, Proposition Development, New business Risk, Customer Management, Collections, Recoveries, Credit strategy, Compliance, Behavior Modelling, Data Management, Analytics, Problem Solving, leadership, People Management, Coaching, Mentoring, Relationship Management, Project management.