David Fawell Email & Phone Number

Highly experienced retail banking professional - senior management roles undertaken across payments, credit cards and personal loans, planning and marketing at the Co-operative Bank. Significant contributions made to the development of the bank across its product range and its brand and identity. Led major change projects, always delivering with a very strong focus on results. Since 2016 I have been a director of the Co-op Credit Union - Treasurer in 2017 and Chair since April 2018.

Manchester

I was accountable for the Bank’s payments activity, its ATM estate and relationships with the rest of the payments industry:• leading the bank’s £50m ATM business – increasing the estate from 1500 ATMs to 2600, responsible for c5% of UK cash distribution, growing profits to £8m per annum, and finally led the sale of the business to Cardtronics• ensuring that 2m customer payments a day worked to customer expectations and met all regulatory and industry requirements – covering all payment… Show more I was accountable for the Bank’s payments activity, its ATM estate and relationships with the rest of the payments industry:• leading the bank’s £50m ATM business – increasing the estate from 1500 ATMs to 2600, responsible for c5% of UK cash distribution, growing profits to £8m per annum, and finally led the sale of the business to Cardtronics• ensuring that 2m customer payments a day worked to customer expectations and met all regulatory and industry requirements – covering all payment types (cards, cheques, cash, electronic) and all of the bank’s customer groups (personal, business and “agency” financial institutions)• was the accountable sponsor leading the successful implementation of major payments projects in the Co-operative Bank – re-platforming of the Bank’s debit and credit cards, European Payment Services Directive, contactless cards launch• undertaking board level roles in the UK payments industry - Visa UK Board Director, Chaps Co Board Director, UK Cards Association Board Director, Link Network Members’ Council. Management responsibility for the relationships into Bacs, Cheque and Credit Clearing Co and Faster Payments• and have had a key role in industry-wide change programmes – I was a member of the Industry Programme Board which designed and delivered the Current Account Switching Service, and member of the Sponsors Group responsible for the design and delivery of the new cheque image solution to replace paper processing of cheques Show less

Manchester

I was accountable for all aspects of the Bank’s credit card and personal loan business – product, sales, income, cost and bad debts:• managing of a £2bn balance sheet unsecured lending sheet business• achieving successive years of above budget and improving contribution through an increasingly challenging economic environment• undertaking the business lead role in the “bad debt task force” to address issues arising with the 2008 credit crisis – achieving a 2/3rds reduction to bad… Show more I was accountable for all aspects of the Bank’s credit card and personal loan business – product, sales, income, cost and bad debts:• managing of a £2bn balance sheet unsecured lending sheet business• achieving successive years of above budget and improving contribution through an increasingly challenging economic environment• undertaking the business lead role in the “bad debt task force” to address issues arising with the 2008 credit crisis – achieving a 2/3rds reduction to bad debts through 2009. In particular, the development of a new customer management approach for credit cards – including early warning indicators to anticipate customer difficulties, the launch of a new team to work with “stressed” customers, credit limited management and risk-based pricing • launching a new on-line loan brand / proposition and an “ethical / green” credit card • and accountable sponsor leading the successful implementation of major regulatory projects for payment protection insurance and the re-vamp of the Consumer Credit Act Show less