Daniel Aspinall Email & Phone Number

• Overseen the successful delivery of key business projects and ongoing management of key services; several credit underwriting and management systems, collections and recovery systems, fraud and AML tools, digital and voice led contact strategies, operational resilience and continuity, 3rd party supplier and relationship management, data and analytics led modelling and forecasting• Responsible Lending and Credit Policy; accountable for ensuring fair customer outcomes and mitigate the risk of customer detriment. Led the delivery of best-practice lending models and strategies, risk-based creditworthiness and affordability assessment utilising the latest data and tools available • Collections, Arrears and Recoveries Management; providing a variety of benefits including, customer outcome, service/engagement and risk-based strategy design and delivery, cost optimisation and performance improvement• Fraud Identification and Prevention; designed, built, and continue to deliver effective fraud teams and services• Initiated and led projects to deliver IFRS9 Bad Debt Provision modelling and responsible for providing assurance for ongoing adequacy and accuracy of forecasting • Budgetary P&L responsibility• Operational consultancy and oversight; active and collaborative contribution, combined with appropriate challenge and subject matter expertise gathered through significant experience of delivering customer service through direct, indirect, and outsourced management accountabilities• Trusted to regularly deputise for the FS director in board and exec committee meetings• Risk Management; proactive governance demonstrated through chairing of Credit forum, ensuring compliance with policy and procedure, the design and maintenance of management information, presented to 3LOD governance committees and board KPI tracking. Experienced in directing and managing internal and external audit activities• People and culture champion; experienced people leader, focused on maximising potential and have designed and delivered frameworks to support talent management, progression, reward and recognition.

Listed skills include Credit Risk, Forecasting, Strategy, Financial Risk, and 13 others.