Behavioural Scoring: for a major bank, replaced credit card / personal loan behaviour scorecards and systems infrastructure

Application Scoring Risk Grade: for a mortgage lender to assess quality of new business

Credit Committee: designed the procedures and protocols to formalise the role of the Credit Risk Committee

Credit Reporting: designed the credit quality and monthly reporting pack for a major bank

Securitisation: profiled the securitised mortgage book to assist fund managers

Arrears Forecasting: designed a forecasting model for a major bank to assist with planning

Bad Debt Provisioning Model: for a sub-prime lender (UK GAP and IFRS)

Systems Migration: migrated the entire legacy system for an asset finance company to a new platform

benchmarked 20 UK credit risk departments on tools, skills, effectiveness, position in the organisation