Experience

Chetwood Financial Limited

• United Kingdom
• Banking
• 100 - 200 Employee

• Lead Credit Risk Analyst

  • Oct 2021 - Present



Sainsbury's Bank

• United Kingdom
• Financial Services
• 700 & Above Employee

• Senior Credit Risk Analyst

  • Jan 2019 - Oct 2021

  • Analysis of front book credit strategies across credit card, loan and store card portfolios including; - Regulatory led affordability strategies. - Full credit strategy reviews. - Implementation of new credit risk scorecards. - Individual policy rule assessments. - Strategy change simulation.• End to end development of an income verification solution including; project management, data gathering and validating, statistical model building, strategy development, budgeting, governance, and system implementation requirements.• IFRS9 analytics including budget forecasting, ad hoc analysis, and monthly meetings with senior stakeholders• Developing new insights and MI to aid decision making in response to Covid-19.• Independently sought out mentoring opportunities, as a mentor and a mentee, to develop personally and to develop others.• Running “Introduction to Python” training sessions across multiple locations as well as completing advanced SQL training which I use to help colleagues.



TalkTalk Business

• United Kingdom
• Telecommunications
• 400 - 500 Employee

• Credit & Risk administrator

  • May 2018 - Jan 2019

  • Driving analytical insight including redesigning the portfolio reporting on risk segmentation. Primarily completed in Python with output in PowerPoint, Excel and Power BI • Credit underwriting of potential and existing counterparties• Liaising with external suppliers to achieve the best value for money for TalkTalk• Interviewing candidates for an open position on our team.• Improving processes and tasks to make efficiency savings and add value to outputs. • Driving analytical insight including redesigning the portfolio reporting on risk segmentation. Primarily completed in Python with output in PowerPoint, Excel and Power BI • Credit underwriting of potential and existing counterparties• Liaising with external suppliers to achieve the best value for money for TalkTalk• Interviewing candidates for an open position on our team.• Improving processes and tasks to make efficiency savings and add value to outputs.



SEFE Energy

• Utilities
• 100 - 200 Employee

• Credit Risk Analyst

  • Jul 2017 - Apr 2018

  • Part of a dynamic and fast paced team at the leading B2B gas supplier in the UK.• Credit underwriting of individual counterparties and company groups.• Portfolio analysis on a range of countries’ credit value at risk• Data mining and validation of large data sets• Programming work primarily in Python with elements of other languages used• Specifically responsible as the risk contact for our Netherlands office• Ad hoc credit risk project work

• Junior risk control analyst

  • Mar 2017 - Jul 2017

  • Implementation and review of business wide risk policies• Stakeholder management at various levels of the organisation• Project management, specifically an efficiency project saving 40% FTE.• Due diligence and contract validation.



Stonegate Group

• United Kingdom
• Hospitality
• 700 & Above Employee

• Front of House Staff - Server

  • Sep 2016 - Mar 2017



University of York

• United Kingdom
• Higher Education
• 700 & Above Employee

• Student

  • Sep 2013 - Sep 2016



Oxford International Education Group

• United Kingdom
• Education Administration Programs
• 300 - 400 Employee

• Activity Manager

  • Mar 2016 - Apr 2016

  • Primarily responsible for planning and implementing a stimulating, enjoyable and cost effective activity and excursion programme for centres up to 600 people.• Directly managing and leading a team of activity staff, with the largest Team was 22• Communicating directly with clients to deliver a high-quality service• Using prioritisation and time management to work to a high standard under time constraints. • Primarily responsible for planning and implementing a stimulating, enjoyable and cost effective activity and excursion programme for centres up to 600 people.• Directly managing and leading a team of activity staff, with the largest Team was 22• Communicating directly with clients to deliver a high-quality service• Using prioritisation and time management to work to a high standard under time constraints.



Oxford International Education Group

• United Kingdom
• Education Administration Programs
• 300 - 400 Employee

• Activity Manager

  • Jul 2015 - Aug 2015

  Plan and implement a stimulating, enjoyable and cost effective activity programme. This involves managing a team of activity leaders, liaising with outside companies and engaging with clients directly. Plan and implement a stimulating, enjoyable and cost effective activity programme. This involves managing a team of activity leaders, liaising with outside companies and engaging with clients directly.



Oxford International Education Group

• United Kingdom
• Education Administration Programs
• 300 - 400 Employee

• Activity Leader

  • Mar 2015 - Apr 2015

• Activity Leader

  • Mar 2015 - Apr 2015



ISIS Education

• Activity Leader

  • Jul 2014 - Aug 2014



ISIS Education

• Activity Leader

  • Apr 2014 - Apr 2014



East of England Co-op

• United Kingdom
• Retail
• 400 - 500 Employee

• Customer Services assistant

  • Jul 2011 - Sep 2013