David Chan Email and Phone Number
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David Chan is a seasoned financial services professional, with extensive knowledge and experience in Credit Cards, Payments, and Consumer Lending. Before being appointed CEO at Kreditech, David ran his own consulting firm, Leveraging over 20 years of experience in the financial services industry to advise clients on business issues and opportunities. His focus was on payments and lending, in North America and Europe, supporting talent reviews, risk assessments, cost opportunities, growth opportunities, and ultimately create strategic business plans.Prior to this, he was Chief Executive for Barclaycard Consumer Europe, spanning seven countries. He used strategic analytics and commercial acumen to drive exceptional business growth, resulting in the doubling in profits in four years to over 1 billion pounds. Trademark characteristics that David is known for are his methodical decision-making process, drive to beat the competition, and speed of execution. His strong background in Credit Risk gives him the ability to evaluate risk-reward effectively to place bets on opportunities for growth. David is also known for his clear, transparent, and passionate leadership style to inspire teams to achieve his vision. He is also effective at communicating and influencing at the Board level, with experience as the Chairman of the board of Entercard, and as a board member of Visa UK. He is a firm believer in giving back to the community and developing colleagues, demonstrated by his launch of the Yes2Chess program to teach chess in schools, his participation in the CEO Sleepout to raise money for action for children, and the Paddington Bear Trail support for the NSPCC.
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Stretegic Advisor And PrincipalDcdc Consulting LimitedUnited Kingdom
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Non Executive DirectorJaja Finance Nov 2024 - PresentLondon, England, Gb -
Chief Executive OfficerJaja Finance Oct 2020 - Oct 2024London, England, GbSpearheaded transformation of credit card startup into a scalable enterprise by:Establishing robust technological infrastructure and lending processesDeveloping world-class digital servicing capabilitiesBuilding and leading a high-performance in-house agile technology teamImplementing machine learning underwriting models optimized for near-prime marketKey achievements:Successfully launched ASDA Money co-brand credit card featuring innovative single sign-on and ASDA Rewards integrationRolled out own-branded credit card via aggregators, driving rapid growth in profitable receivablesPioneered AI-powered customer service using Anthropic's Claude via AWS, handling 25% of chat requests and generating significant cost savings
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CeoMonedo Holding Gmbh Apr 2018 - Oct 2020Hamburg, Deutschland (Deu), DeChief Executive at Monedo, the leading group for digital consumer lending using machine-learning based underwriting. Founded in 2012 and headquartered in Hamburg, Germany, Monedo operates in India, Poland, Russia and Spain. -
CeoDcdc Consulting Feb 2016 - Apr 2018Leverage 20 years of experience in the financial services industry to advise clients on business issues and opportunities, specializing in payments and lending, in North America and Europe. Support in developing talent reviews, risk assessments, cost opportunities, growth opportunities, to ultimately create a strategic business plan.
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Ceo, Barclaycard Consumer EuropeBarclays Oct 2010 - Jan 2016London, GbChief Executive for Barclaycard's consumer/retail businesses in the UK, Germany, Spain, Portugal, Sweden, Norway, Denmark. Doubled profits of the division in four years to generate record profits of over a billion pounds, Achieved top three market position in all markets. Successfully launched deposits and lending products in addition to credit cards. Significantly improved Customer Net Promoter Score in UK and launched NPS in other markets. Chairman of the Board of Entercard (Scandanavian joint venture with Swedbank). Board member of Visa UK. Chairman of the Barclaycard Diversity and Inclusion Council. Chairman of the Supervisory Boardof Barclaycard Bank AG -
Chief Credit Officer, BarclaycardBarclays Oct 2007 - Oct 2010London, GbResponsible for Wholesale and Retail Credit Risk and Fraud Strategy for Barclaycard, across the US, Europe, and Africa. Outperformed competition in managing risk and losses, while continuing to identify opportunities for growth through the global recession. Developed and sponsored an Information Management program to develop a data warehousing strategy and improved data quality and governance. Significantly raised employee satisfaction while developing a strong control culture across the risk organisation.
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Chief Credit Officer, Uk CardsBarclays Aug 2006 - Oct 2007London, GbSigificantly reduced credit losses by creating a control culture, putting in place upgraded performance monitoring and governance frameworks, and building a quality analytical team capable of fast execution. Implemented new high risk account management approaches with rapid impact on losses and fast payback, as well as credit limit increase programs that significantly improved revenue growth and profit.
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Global Risk OfficerCitigroup 2005 - 2006New York, New York, UsProvide assessment of credit risks inherent in retail banking, consumer finance, and cards portfolio strategies. Consult and coordinate with senior risk officers and internal auditors on the identification and timely resolution of asset quality issues. Establish, update and monitor global risk management policies for managing retail banking, consumer finance, and cards products around the world. Establish and ensure compliance to minimum standards for risk management MIS, self-assessments, credit operations processes for retail banking, consumer finance, and cards. Review and recommend for approval to the senior product specialist product programs, exceptions to global policies and credit plans as required by global policies. Co-champion retail banking/consumer finance/cards credit training programs and senior leadership talent reviews to ensure strong risk management talent pool at all times. Support senior product specialists in providing leadership to businesses in strengthening their credit cycle infrastructure and processes through best practice sharing and conduct of peer reviews. Co-lead due diligence efforts. -
Svp, Us Cards Risk ManagementCitigroup 1997 - 2005New York, New York, UsPerformed various roles across the credit life cycle designing credit strategies and identifying growth opportunities on a $43 billion US Cards portfolio. Strategy areas include Credit Line Decrease, High Risk account closure, Authorizations, including Overlimit, delinquent accounts, and balcon/cash fulfillment, Pre-Approved Mail Channel, and alternative data sources other than credit bureaus.
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ManagerAmerican Express 1995 - 1997New York, Ny, UsResponsible for analysis and reporting associated with the transaction authorizations system. Performed segmentation on credit card portfolios to find opportunities for improvement. Identified over $20 million of potential savings for the credit portfolio through reduction in credit losses. Participated in authorizations systems testing to realize the savings in credit losses. Identified credit card accounts for line reduction strategy from segmentation analysis. Part of team to identify opportunities in the charge card portfolio. Identified savings of $50 million of potential savings for the charge card portfolio through reduction in credit losses on delinquent accounts. Developed comprehensive report on Consumer Card Services Group portfolio to monitor authorizations statistics. Participated in operations site review to evaluate existing processes for efficiency and bank compliance. -
Senior Marketing AnalystPitney Bowes 1994 - 1995Stamford, Ct, UsDevelop and implement systems to assess and predict the value to the company of each customer, from database development through design and maintenance of predictive models. Make statistical estimates of price/volume relationships, relationships between economic variables and sales revenue. Provide consulting on design and analysis of market tests. -
Cost/Industrial EngineerIbm 1991 - 1993Developed cost estimates for test equipment and spares at low cost and with low turnaround time, and support estimates through audits, fact finds, and negotiations. Provided cost visibility for the UAR program, and identify improvements and exposures to enhance/protect profit position. Supported over $30 million in proposals, recorded $1.1M underrun on $7.3M program. Maintained and created reports in SAS in support of Cost Engineering functions. Supported the introduction of new PC technology into Cost/Industrial Engineering. Special assignment: Overhead Budgets.
David Chan Skills
David Chan Education Details
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Cornell UniversityOperations Research & Industrial Engineering
Frequently Asked Questions about David Chan
What company does David Chan work for?
David Chan works for Dcdc Consulting Limited
What is David Chan's role at the current company?
David Chan's current role is Stretegic Advisor and Principal.
What is David Chan's email address?
David Chan's email address is dc****@****ine.net
What is David Chan's direct phone number?
David Chan's direct phone number is (800) 426*****
What schools did David Chan attend?
David Chan attended Cornell University.
What skills is David Chan known for?
David Chan has skills like Strategy, Credit, Credit Cards, Credit Risk, Risk Management, Retail Banking, Financial Services, Banking, Portfolio Management, Governance, Fraud, Acquiring.
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