• Budget Manager for the Credit Risk department, accountable for the accurate and timely preparation of the divisional £21MM budget• Liaise with line of business SME’s and Finance, and manage upwards to influence the decision making of the senior leadership team• Complete month-end variance analysis for senior leadership team, providing insightful commentary and proactively investigate root cause to reduce future variances• Provision of financial information to support business cases for new initiatives• Engage with procurement team to ensure all department contracts have appropriate commercials, creating complex Excel model development when required• Manage all aspects of headcount, including headcount forecast, salary forecasts, recruitment and space planning for ~150 FTE’s across the divisionMain Achievements• Implemented budget walkdown to highlight to management the individual variances in headcount, salary expense and non-salary expense, comparing plan to current forecast• Departmental lead in bankwide space planning project, accountable for coordinating moves for >200 people without any interruption to service• Played a significant role in the set-up of the new Manchester satellite office, arranging access for all users, creating and maintaining the booking rota and creating reporting with initiatives to drive up occupancy and how this should be presented to management• Assisted with comparison of MBNA vs. Lloyds Banking Group contracts• Managed CICM education program for 150 people

• Provision of financial and FTE information to senior leadership team• Project lead in managing allocation of divisional budget across all areas following re-org, ensuring fair and consistent methodology and engaging with all stakeholders throughout• Enhance FTE reporting to improve relevancy and accuracyMain Achievements • Completed overhaul of Activity Based Costing process including geographical view by person, by activity• Implemented new vendor invoice reporting to a more efficient process with increased accuracy, whilst incorporating a validation process into the final solution• Created bespoke monthly budget and headcount reporting pack for department heads

• Production of MI covering all areas of the Underwriting department, including, but not limited to capacity plans, incentive management, headcount and performance dashboards• Business partner to Senior Management to enable sound business decisions to be made• Management of 6 Direct ReportsMain Achievements • Project Lead in implementing the prototype peer vs. peer incentive plan in the bank, resulting in an increase in average output per person, a reduction in overall variation of results and adherence to the incentive budget. Methodology used as a blueprint for other operational areas of the bank• Implemented Reporting and Forecasting Centre of Excellence philosophy across all products and geographies (UK, Ireland and Spain)• Implemented variance analysis across all metrics of capacity planning, producing reporting pack to management highlighting Actual vs. Plan by working day 2• Created bi-annual desktop review process, incorporating stress test of team desktops to minimise single point of failure risk• Created Skills Database to allow training courses to be prioritised to specific people

• Production of daily, weekly and monthly reports• Production of monthly incentive calculations for > 100 people across 4 incentive plansMain Achievements• Implemented people database using MS Access to centralise information to improve and standardise availability of management information • Implemented first capacity plans to both the Underwriting and Fraud departments

• Reviewing the work of a team of credit analysts and mentoring to improve results. • Tracked results of Quality Analyst team and provided trend analysis to management.

• High performing underwriter consistently achieving >130% to target for productivity whilst still maintaining quality, which led to subsequent promotion to Quality Analyst.• Reviewing new credit card applications and assessing credit limits on existing customers.