David Whittaker Email and Phone Number
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David Whittaker personal email
Credit Risk professional with 19 years experience across both first and second line roles including underwriting, Residential & BTL lending strategy, financial crime, near prime specialist lending, affordability modelling and data management. SAS/R programmer with experience working for 4 different lenders & different systems/bureau functionalities. Track record of delivering both commercial & risk changes with significant business benefits (eg substantial volume uplifts while maintaining market leading arrears rates). Delivered significant improvements to automated decisioning across 2 lenders & played a key role in obtaining banking licence for a start-up lender. Experienced member of Credit Committees & Associate of the Chartered Institute of Bankers. SMCR approved.
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Head Of Credit Risk Strategy And PolicyVida Bank Nov 2024 - Present
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Head Of Credit Risk Strategy & PolicyBelmont Green Finance Limited Jul 2024 - Nov 2024Reporting to CRO, responsible for Vida's lending strategy and credit policy across Residential and BTL products. Also responsible for Credit Risk Analytics on interim basis. Managing 3x FTE, voting member of Credit Committee & attendee of Executive Risk & Board Risk Committees.
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Head Of Credit RiskPerenna Oct 2022 - Jul 2024London, England, GbReporting to CRO & SMCR certified as material risk taker, responsible for credit oversight of first line, credit strategy, property risk and affordability modelling. Played a key role in obtaining full banking licence authorisation. Developed automated SAS decisioning assurance & credit reference agency reporting for Perenna customers. Developed the Perenna intermediary affordability calculators across multiple products. Provided oversight with the development of an automated Credit Risk asset quality MI pack for Credit Committee. Managed 1x FTE. -
Credit Risk ManagerPerenna Aug 2022 - Oct 2022London, England, GbCredit Risk Manager reporting to Head of Operations. Developed affordability model for fixed-for-life product. Developed digital valuation strategy including use of AVMs & Desktop Valuations.
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Credit Risk ManagerAtom Bank Jan 2020 - Aug 2022Durham, Durham, GbCredit Risk Manager reporting directly to Head of Credit Risk, responsible for residential lending criteria. Worked on new scorecard implementation, optimised policy rules & redeveloped affordability model including expenditure assessments. Worked on significant uplifts in automated decisions utilising the power of the decision engine for automated income verification, credit commitments and AVMs. Material uplifts in DIP accept rates achieved as a result. Represented Atom at credit risk industry events. Supported sales and underwriting teams with policy shaping/evolution/complex cases. Delinquency rates remained lowest in prime market on like-for-like basis factoring into account seasonality of portfolio. -
Credit Risk SpecialistVirgin Money Feb 2017 - Dec 2019Glasgow, Scotland, GbCredit Risk Specialist within Commercial responsible for residential & BTL lending strategy. Delivered multi billion £ uplifts to accept rates through series of tactical changes whilst improving overall credit quality. Managed 1x senior analyst and contractor resources. Provided analytical support for complex remediation project which included dialogue with the FCA. -
Fraud & Financial Crime Analytics ManagerVirgin Money Nov 2015 - Feb 2017Glasgow, Scotland, GbReporting to F&FC director, delivered new peps/sanctions screening systems, optimised credit card transactional monitoring alerts by reducing false positives and increasing SAR rates. Reduced excess operational demand saving 10x fte. Managed 3x technical FTE.
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Senior Credit Risk AnalystVirgin Money Jun 2014 - Nov 2015Glasgow, Scotland, GbDeveloped full credit lifecycle MI/Asset Quality pack for the bank including reporting of new lending, risk appetite, portfolio splits, collections and forbearance. Data used to regulators, executive directors and board.
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Credit Risk AnalystVirgin Money Jan 2012 - Jul 2014Glasgow, Scotland, GbResponsible for credit policy and data architecture. Developed portfolio and new lending reporting used for the Virgin acquisition of Northern Rock. Developed MLAR/PSD reporting in SAS.
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Credit Risk AnalystNorthern Rock Dec 2008 - Dec 2012GbCredit Risk Analyst responsible for credit strategy and risk data architecture. Developed automated SAS driven reporting for board and execs. -
Mortgage UnderwriterNorthern Rock Jun 2006 - Dec 2008Gb£0.5m mandate holder covering residential and BTL prime underwriting.
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Mortgage ProcessorNorthern Rock Feb 2005 - Jun 2006GbResponsible for processing residential direct mortgage applications to offer including income & property valuation assessments.
David Whittaker Skills
Frequently Asked Questions about David Whittaker
What company does David Whittaker work for?
David Whittaker works for Vida Bank
What is David Whittaker's role at the current company?
David Whittaker's current role is Head of Credit Risk Strategy & Policy at Vida Bank.
What is David Whittaker's email address?
David Whittaker's email address is da****@****ail.com
What skills is David Whittaker known for?
David Whittaker has skills like Analytics, Microsoft Excel, Credit Risk, Financial Risk, Portfolio Management, Governance, Analysis, Credit, Underwriting, Banking, Loans, Sql.
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