Andy Croft Email & Phone Number

Northampton, England, United Kingdom

Northampton, England, United Kingdom

1. Contracted out as interim project manager to a European mortgage lender2. Research value adding opportunities for property development. Proceed with validated 'deals'3. Research and produce bids for government procurement contracts. Fulfil contracts when awarded. [Note that this is on hold until the government start following their own procurement guidelines]

London, United Kingdom

• Manage a portfolio of projects, reporting to different demanders (sponsors), initiating, managing and delivering a series of IT change projects. Project methodology varies (can be waterfall or Agile, or a combined approach) • Cash pool (offset) mortgage migration/remediation - going live now (phased). Build in UK and Sweden delivered across c. 10 shared service Agile delivery teams• UK corporate cash pools (balance and interest netting group facilities) – in design. Feasibility studies for two additional cash pool projects• Deliver Handelsbanken plc IT application for RBS Business Banking Switch scheme - went live in February 2019• Improve controls and IT support for Handelsbanken's compliance with FSCS regulations. Changes to core IT system processing to follow

• Reporting to the Head of Investment Product, delivered SimCorp/Coric Dynamic Reporting solution to include fund reporting (paper/PDF and online) as well as client investments (to include paper reports, web and mobile access to up-to-date information)• Integration with data sources in legacy systems, including pre-calculation and aggregation• Includes Heartwood MiFID II compliance in terms of client reporting• Delivered functionality to customers and introducers in phases during 2018• The project delivered solutions for PC/laptop, tablets and mobiles, had excellent customer take-up and won several industry awards.

London, United Kingdom

• Reporting to the Head of IT Infrastructure, delivered a range of technical projects:o 160 branch servers centralisedo Multiple physical servers virtualisedo Co-location data centre delivered and commissioned, virtual SAN delivered and commissioned. Included RFP and contract negotA+o VOIP Telephony implemented in large regional officeso UK printer/copier estate replacemento Multiple deliveries across 2015/16• Project managed the launch of a new business line, offering additional commercial lending products to Handelsbanken's UK corporate customerso Established vendor contractso Configured package solutiono Setting up and branding a customer self-service portalo Integrating all with the bank's existing UK bank accounting systemo Following build, planning and managing all testing and release management activities. Live 1Q14

Canary Wharf, London

• Working as a consultant on an assignment to help a major Irish bank improve the profitability of its cards business• Analysed business and created activity-based cost model for debit card business

Peterborough, United Kingdom

• Reporting to the Chief Operating Officer, project managed Aldermore's entry into the SME savings market, including:o Managed delivery across multiple suppliers, using iterative approach o Process design and translation into user interface/workflow etc.o Defined workflow and business rules for application and servicing caseso Commissioning, testing and implementationo Delivered online application portals, and account self-servicing for end customerso Integrated web serviceso Established contact centre function to support new businesso A customer could go online, go through fully automated onboarding process, see their account open, fund it, and then see the funds in their account within 2 hours end-to-endo All items delivered into live April/May 2012• Project managed the implementation of MS CRM into Aldermore's invoice finance business, for sales and lead management and the automation of application processing. o Process design and translation into technical solution for the user interfaceo I have developed solution for sales and lead management (in MS CRM), using an Agile/iterative approach, delivered in sprintso Delivered application processing system for invoice finance using waterfall method, i.e. inception/initiation through requirements, design, build, test and implementationo Complex technical solution included screens, business rules, credit policy, sales to credit workflow, audit trail, document management o Migrated legacy CRM data, including current prospects, to MS CRMo Implemented MS CRM into front and middle office in multiple sales/operations siteso Implemented sales reporting via MS CRMo All items live in 2011

Peterborough, London, Reading, Manchester, Wilmslow, Birmingham

• Project managed development of Aldermore's asset finance business, including integration of purchased portfolios:o Established new office location (in Reading) for the business function and associated infrastructure, and consolidated business operations from 2 existing sites. Closed surplus siteo Baselined operational processes/implemented improved processeso Optimised sales to credit operational processeso Established business monitoring and reportingo Live by end 2010• Project managed Aldermore's entry into the UK residential mortgages market:o Established new office location (in Wilmslow) for business function and associated infrastructureo Coordinated take-on of initial staffo Coordinated approval of day 1 policieso Managed supplier (DPR) delivery of: Online application system Back office functiono Multiple web services integration (Experian QAS, Bank Wizard Absolute, Consumer Bureau, Hunter II)o Managed application testing, bug fixes and code releaseso Managed implementationo Delivered broker portal for introduced applicationso Straight-through processing (the most automated solution in the UK market at the time) to include credit decisioning, fraud screening, valuation/survey)o Market launch was in May 2010. Quickly became one of the top 10 UK mortgage lenders (via intermediaries)

Peterborough, England, United Kingdom

• On 20/5/09, Ruffler Bank PLC was acquired by AnaCap Financial Partners. Ruffler then acquired Base Commercial Mortgages Limited, also within the private equity portfolio. On 10/7/09, Ruffler was rebranded and relaunched as Aldermore Bank PLC. Reporting to the Chief Operating Officer, project managed the integration of the two organisations into a single bank:o Reviewed Ruffler’s existing IT contracts/licenses to identify impact of the purchase transaction o Coordinated delivery against the planso Project managed rebranding of the new bank to Aldermore Bank PLC, to suit target marketso Coordinated relaunch of the bank into retail deposits and SME lending marketso Developed operating model for the new bank, including integrating functions from different parts of the organisationo Established Executive Operating Committee for the new banko Developed and implemented change governance framework and standards, and implemento Closed and decommissioned legacy Ruffler office

Milton Keynes, United Kingdom

• Reporting to the SME Programme Director, responsible for managing the documentation of detailed business requirements for c. 160 separate systems enhancements on a £24m change programme:o Set up governance framework for SME Programmeo Manage delivery against plano Define and agree sign-off process including creation of Design Authority for the Programmeo Quality assure all business requirements specificationso Lead weekly Design Authority sessionso Run change control processo Resolve major design issues, through analysis and consultationo Business project leader for structural systems projects o Program was cancelled when Abbey was able to acquire the Alliance and Leicester • Reporting to the Head of Business Change, responsible for a programme of multiple change projects to standardise behaviour scoring activity using Fair Isaac TRIAD:o Implement TRIAD infrastructureo Integrate with Abbey systemso Standardise following behavioural applications Pre-approvals (sales) Personal bank account management Business bank account management Credit card collections Unsecured personal loan collections Mortgage collections Personal/business bank account collectionso Migrate credit card account management from earlier product to new TRIAD infrastructure o Managed engagement with Fair Isaac (TRIAD supplier)• Reporting to the Standardised Risk Programme Manager, using PRINCE2 and MSP, responsible for multiple projects:o Standardise behaviour scoring activity by migrating legacy applications onto strategic infrastructure (Fair Isaac TRIAD 8.2), extending scope into new processes/application areas – initiation stageo Standardise credit scoring activity for unsecured personal loans by migrating legacy applications onto strategic architecture (Fair Isaac StrategyWare) – design stageo Launch new Business Banking Unsecured Loan product, via tactical solution on legacy systems and strategic solution using Group architecture – pre-inception stage

Northampton, United Kingdom

Head of Business Transformation, Barclaycard Business 2001-2006Strategic Propositions Programme Manager, UK Business Banking 2000-2001Branch Manager, Account Centre East, UK Banking Risk Management 1997-2000 Senior Project Manager, Strategic Recoveries, UK Risk Management 1996-1997Project Manager, Small Business Programme 1995-1996Senior Sector Manager, Personal Sector Marketing Department 1993-1995Senior Product/Project Manager, Current Accounts & Card Products, 1989-1993Financial Analyst, Regional Director’s Office, Retail Banking - Europe, Middle East and Australasia 1988-1989Personal Assistant to the Branch Director, Northampton Group of Branches 1987-1988Senior Securities Clerk, Northampton Group of Branches 1986-1987Campaign Manager, Advertising Department, Barclaycard 1984-1986Series of credit card operations roles, Barclaycard 1982-1984Project Assistant, Organisation and Methods Team, Barclaycard 1980-1982

M.A., Leadership Studies

Dissertation entitled "Leadership Behaviours and their Effect on Team Performance: which ones are most Influential?", 2000

Diploma, Systems Practice

Master Practitioner, Neuro Linguistic Programming