David Chan Email & Phone Number

United Kingdom

London, England, Gb

London, England, Gb

Spearheaded 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

Hamburg, Deutschland (Deu), De

Chief 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.

Leverage 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.

London, Gb

Chief 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

London, Gb

Responsible 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.

London, Gb

Sigificantly 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.

New York, New York, Us

Provide 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.

New York, New York, Us

Performed 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.

New York, Ny, Us

Responsible 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.

Stamford, Ct, Us

Develop 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.

Developed 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.