Experience

Gen H

• United Kingdom
• Financial Services
• 1 - 100 Employee

• Chief Commercial Officer (CCO)

  • Apr 2022 - Present

  Leading the key commercial activity (Proposition & Price, Brand & Marketing, Lending & Underwriting, Partnerships) at Gen H an award-winning, mission-led and rapidly growing fintec mortgage lender.



Virgin Money

• United Kingdom
• Financial Services
• 700 & Above Employee

• Head of Customer Value

  • Jan 2019 - Mar 2022

  London, United Kingdom Responsible for Virgin Money's Personal Customer Propositions, Vulnerability & Financial Inclusion and Retail Analytics alongside a number of key Products & Partnerships including Loans, Overdrafts & Salary Finance Loans Ltd (the bank's joint venture with Salary Finance). SMF3 Director for Salary Finance Loans Ltd. UK Finance Personal Banking Board member. Credit 500 Member. Chair of the Vulnerable Customer Committee and Sponsor of the bank's commitment to eliminate the Poverty… Show more Responsible for Virgin Money's Personal Customer Propositions, Vulnerability & Financial Inclusion and Retail Analytics alongside a number of key Products & Partnerships including Loans, Overdrafts & Salary Finance Loans Ltd (the bank's joint venture with Salary Finance). SMF3 Director for Salary Finance Loans Ltd. UK Finance Personal Banking Board member. Credit 500 Member. Chair of the Vulnerable Customer Committee and Sponsor of the bank's commitment to eliminate the Poverty Premium for our customers by 2030. Show less



CYBG PLC

• Head of Lending

  • Jun 2017 - Jan 2019

  London, United Kingdom Responsible for the CYBG Lending Product categories including Mortgages, Cards and Personal Lending comprising £28bn of lending, 700k customers generating >75% of the bank’s total revenue. Accountable for P&L, Strategy, Conduct, Product Management & Development. Helping to build a products and services model that offers fantastic, long-term value to our customers whilst growing the bank's relationships, market share and revenues.



HSBC

• United Kingdom
• Financial Services
• 700 & Above Employee

• European Head of Retail Underwriting

  • Mar 2015 - Jun 2017

  London, United Kingdom Leading team ca. 800 credit underwriters responsible for judgemental lending on all HSBC retail banking products (Mortgages, Cards, Loans and Current Accounts) across the UK and continental Europe including first direct, M&S Bank and John Lewis Partnership cards. £15m personal lending mandate.

• UK Head Of Mortgages

  • Aug 2011 - Mar 2015

  London, United Kingdom Full P&L responsibility for the HSBC's £65bn+ UK Mortgage book, including HSBC, First Direct & Amanah brands. UK Housing & Mortgage spokesperson, member of HMT Home Finance Forum & BoE’s Residential Property Forum. Responsibility for all aspects of Product Management, including pricing, proposition, policy, new product development, acquisition, retention and customer experience.

• Senior Product Manager, Portfolio Management, Mortgages

  • Jan 2009 - Aug 2011

  London, United Kingdom Manage a team of product managers with responsibility across HSBC and First Direct for Mortgage pricing, policy, planning/forecasting & retention.

• Manager, Mortgage Portfolio Management & Pricing

  • Sep 2005 - Dec 2008

  Pricing, Planning & Performance for HSBC UK Mortgages



Alliance & Leicester

• Financial Services
• 100 - 200 Employee

• Senior Risk Analyst

  • 2002 - 2005

  Secured Lending Policy, Affordability, Decisioning