Experience

Masthaven Bank

• United Kingdom
• Banking
• 1 - 100 Employee

• Interim Director Enterprise Risk

  • Mar 2022 - Present



Redwood Bank

• United Kingdom
• Banking
• 1 - 100 Employee

• Interim Chief Risk Officer

  • Mar 2021 - Nov 2021



Bank and Clients Plc

• London, United Kingdom

• Chief Risk Officer

  • May 2018 - Mar 2021

  Recruited to design, develop, implement and operate a full second line of defence capability with immediate focus on meeting regulatory requirements for the writing and management of credit-based business. The role falls within the Senior Manager Regime and is PRA/FCA authorised (SMF4). Responsibilities include:- • chair of Risk Committee, membership of all executive committees and permanent invitee to certain Board sub-committees. • the ongoing strengthening and enhancement of risk management systems, policies, processes, quantitative models and reports as necessary to ensure that the Bank’s risk management capabilities (including risk reporting) are sufficiently robust and aligned to its strategic objectives and all of its risk-taking activities. • leadership and ongoing development of a risk team comprising four members (including one certified officer). • providing support to the Board in its engagement with and oversight of the development of the Bank’s Risk Management Framework and Appetite and for translating the risk appetite into a risk limits structure. • independent oversight of performance relative to risk-taking and risk limit adherence. • managing and participating in key decision-making processes (e.g. strategic planning, capital and liquidity planning, new products and services, compensation design and operation). • participating in prudential regulatory requirements including PRA relationship management and key submissions including ICAAP, ILAAP, RRP, SWDP etc. • promotion of an open risk-aware culture.



Grant Thornton LLP (US)

• United States
• Accounting
• 700 & Above Employee

• Risk Subject Matter Expert

  • Nov 2015 - May 2018

  Provision of advisory and assurance services within the financial services sector both individually and as part of a wider team. Although primarily focused on credit risk management and SMCR, the role also captured all other aspects of ERM; a wide range of other prudential, regulatory and governance related assignments; preparation of regulatory business plans and underlying regulatory documentation (ICAAP, ILAAP, RAS etc.) in support of banking licence applications; and contribution to s.166 skilled person reports.



GE Capital

• London, Hammersmith

• Credit Risk Review

  • Mar 2014 - Oct 2015

  Added domain expertise to a developing global team providing independent assessment of asset quality and credit practice/management. Covers the end-to-end credit process (i.e. FLOD and SLOD) associated with a wide range of secured and unsecured lending products, including leveraged finance, asset backed finance, mortgage and card businesses across multiple jurisdictions. The majority of commercial credit exposure was to SME and lower end mid-cap businesses. Responsibilities included:- • lead, manage and execute loan reviews with a particular focus on regulatory requirements e.g. accuracy and consistency of ratings, demonstration of use etc. • performance of risk assessments and loan review planning. • evaluation of lending policies and adherence thereto. • identification, implementation and communication of best practices for process improvement in respect of both group credit practice and intra-departmental processes.



RBS

• United Kingdom
• Banking
• 700 & Above Employee

• Senior File Reviewer

  • Nov 2012 - Feb 2014

  Assisted with the FSA/FCA driven investigation into the alleged mis-selling of Interest Rate Hedging Products. The scope of the directive and the nature of the products dictates a focus, albeit not exclusively, on relatively small, property oriented businesses. Responsibilities included:- • consideration, including re-evaluation where appropriate, of the original credit decisions underpinning the requirement for hedging arrangements. • preparing evidence based assessments in respect of the adherence to appropriate sales standards. • presenting findings to, as a voting member, various Decision Committees. • assisting with process development and providing quality control assurance.



Bayerische Landesbank

• Banking
• 700 & Above Employee

• Head of Corporate Credit

  • Mar 2011 - Apr 2012

  Management of a team of six analysts ranging from director level to trainee. Responsible for the rating, assessment, structuring (where applicable) and approval or presentation to credit committee (dependent upon competency) for a variety of corporate credit risks and products. The portfolio is primarily investment grade. Responsibilities included:- • management of all departmental processes as described above. • ownership and management of certain work-out files. • team training and development, appraisals etc. • ownership of related data and documentation. • management reporting; both regular formal reporting and ad hoc presentations to senior and executive management.



Standard Bank

• London, United Kingdom

• Senior Risk Auditor

  • Sep 2006 - Jan 2011

  Established a credit risk specialisation within the Internal Audit function of the Bank’s international division. Directly responsible for audit planning and execution in respect of a substantial element of the group’s international Corporate and Investment Banking activities together with various off-shore management and oversight roles across the wider Standard Bank Group. Focused principally upon the component parts of the end-to-end credit process which has significant credit, operational, reputational and market risk elements together with consideration strategy and governance. Fundamental objectives were to provide assurance in respect of the control environment and to work with the business to achieve workable and sustainable solutions for identified areas of weakness. Responsibilities included:- • preparation of the relevant aspects of the annual audit plan. • management and delivery of credit and associated risk based audits using teams drawn from direct reports and pool auditors as appropriate. • acting as a risk specialist providing both formal and informal training and advice to credit audit teams throughout the Standard Bank Group. • issue and dispute resolution. • portfolio management of key clients/business stakeholders across the Standard Bank Group.



ICICI Bank

• India
• Banking
• 700 & Above Employee

• Deputy General Manager/Chief Risk Officer

  • Dec 2003 - Aug 2006

  Established and ran the Risk Management function and Middle Office in a start up UK subsidiary of India’s second largest bank with activities covering corporate, trade finance, retail banking, private banking and treasury operations. The role fell within the FSA approved persons regime. Responsibilities included:- • management of all aspects of credit, market and operational risk. • drafting and implementation of credit/risk policies and procedures. • development of risk reporting systems. • Chairman of Credit Committee, member of Management Committee and Asset and Liability Management Committees, permanent attendee at Board and Audit Committees. • management of a team of team of three risk analysts and a Mid-Office function comprising five members. • business continuity. • product development. • Basel II implementation.



Generale Bank/Fortis

• London, United Kingdom

• Deputy Director

  • 1993 - 2003

  (2000-2003) Deputy Director, Global Corporate Banking, new role within the Bank, accountable for the development of a UK specialisation, servicing the Pharmaceutical and Chemical Sector. The nature of Fortis’ business was such that focus was typically on mid-cap corporate organisations operating in the UK and Europe although on occasion both smaller and larger companies have been dealt with. Responsibilities included:- • new business origination. • the development of relationships through the introduction of the Bank’s product range as appropriate. • ongoing credit and risk management across the client portfolio. • compliance with FSA regulations. • preparation of supporting credit applications, documentation etc. • preparation of budgets and monitoring of commercial performance. • management and appraisal of support staff. (1993-1999) Deputy Head of Credit. Responsible for a team of six credit analysts covering the Bank’s entire customer and product base which ranged from SME businesses to global corporations and simple overdrafts to structured finance. Responsibilities included:- • management of the internal credit process of the Bank. • contributing to the ongoing development of credit policy. • workflow management. • conflict resolution. • alternate member of the Bank’s London Credit Committee. • management of intensive care and recovery situations.



Unibank

• Deputy Manager

  • 1989 - 1993



Midland Bank

• Corporate Banking Officer

  • 1978 - 1989

• Corporate Banking Officer

  • 1978 - 1989