Experience

Auden

• United Kingdom
• Financial Services
• 1 - 100 Employee

• Scale Up

  • Aug 2020 - Present

  Go-to-market product strategy, commercial scaling, business development and partnerships for a well funded fintech scale-up. Auden is a for profit, social enterprise with a great mission to help the millions who are overcharged and underserved because they cannot access mainstream financial services. Go-to-market product strategy, commercial scaling, business development and partnerships for a well funded fintech scale-up. Auden is a for profit, social enterprise with a great mission to help the millions who are overcharged and underserved because they cannot access mainstream financial services.



Yorkshire Building Society

• United Kingdom
• Financial Services
• 700 & Above Employee

• Group Director Strategy & Insight

  • Apr 2015 - Aug 2020

  Led the Lending and Saving growth strategies, brand and business expansion for a mutual with over 3 million members.Selected achievements: - Lead team of ~50 researchers, strategists, product owners, developers- Secured multi-million £ board funding & led Digital Strategy programme- Reviewed and closed existing banking business (cost saving ~£18m)- Secured funding for distribution transformation (cost saving ~£10m)- Developed successful multi £b lending segment opportunities- Launched Native Mobile App- Re-designed multiple Web journey's, ~15% growth in Digital Sales



Lloyds Banking Group

• United Kingdom
• Financial Services
• 700 & Above Employee

• Commercial Director Products

  • Sep 2008 - Apr 2015

  Commercial Director/ Retail EXCO member for several complex multi £m P&L business lines and multiple brands. Detailed understanding of serving consumer needs and establishing profitable growth businesses within Banking, Payments, Personal Loan & Credit Card markets.Selected achievements:- Leading and developing teams of up-to 100 colleagues- No.1 net switcher growth 3 years running (Halifax)- Reversed 2+ years in net switcher reduction (Business Banking)- Grew unsecured lending by c15% (various credit initiatives)- Credit Checker. +20% revenue growth converting near-prime lending.- Balance Extra. Innovative overdraft avoidance product. - Overdraft price redistribution. +£20m yet, reducing fees for many- Champion for financial inclusion & basic banking provision.- LBG financial inclusion rep (Parliamentary Committees, spokesperson)- Placed all business lines in position of strength for future growth



Halifax

• Banking
• 700 & Above Employee

• Product Director - Savings

  • Apr 2005 - Sep 2008

  UK’s largest Savings provider. 7 brands, £120b balance sheet. 10m customers.Selected achievements.- Market share growth c18% of market to 23% at peak- Rapid scaling of AA, Saga, IF and BM Savings brands (5-10x)- Developed high capability team and new disciplines (pricing, analytics, product development)- 30+ successful product launches- Range simplification of products from ~100 to ~20 (revenue neutral)- Architect of "multi-brand" business model strategy- Consistent "above market" balance sheet growth



Bank of Scotland

• United Kingdom
• Banking
• 700 & Above Employee

• Head Of Analytics

  • Dec 2002 - Mar 2005

  High quality data analytics and market intelligence function.Selected achievements:- Market and competitive analysis - Quant & Qual customer research - Customer segmentation & profit pools analysis for HBOS products- Recruited high calibre team growing from 1 to 10 High quality data analytics and market intelligence function.Selected achievements:- Market and competitive analysis - Quant & Qual customer research - Customer segmentation & profit pools analysis for HBOS products- Recruited high calibre team growing from 1 to 10



Northwest Securities

• Lending Business Develoment

  • Apr 1995 - Nov 2002

  Many varied and enjoyable roles including: - Sales Development;- Partnership Development (home shopping)- Credit Risk/Underwriting- Customer Value Management;- Marketing/Campaign Management; - SAS, VB, Database design;- Dialler Management;- Contact Centre Planning Many varied and enjoyable roles including: - Sales Development;- Partnership Development (home shopping)- Credit Risk/Underwriting- Customer Value Management;- Marketing/Campaign Management; - SAS, VB, Database design;- Dialler Management;- Contact Centre Planning