In my current role, my main remits are the formation of our enterprise sales and solutions strategy, identifying value-based opportunities for our upcoming products. I work closely with cross-functional teams to transform concepts into product capabilities we can take to market. I also negotiate commercial agreements with external partners to ensure their alignment with our strategic goals whilst optimising our return on investment.● Market Disruptions: Disrupted traditional banking paradigms by challenging status quo and implementing digital strategy that generates sustainable, commercially viable propositions and a rich consumer experience to win at checkout and in new acquisition and retail channels.● Business Growth: Identified new market opportunities using expert knowledge of payments, digital wallets, and money management enabling our business to thrive within agreed investment and cost parameters.● Business Strategy: Responsibility for creating our BNPL proposition at checkout, future payments strategy with Mastercard including Click to Pay - digitising and expanding our card estate.● Partner Management: I proactively seek out and build relationships with partners as well as enterprise sales leads to unlock opportunities to launch at scale.● Brand Ambassador: Representation of Virgin Money at Mastercard's UK Payments Forum attended by leaders of issuing banks.

Leveraging my extensive professional experience, I was in charge of several scalability programmes to integrate PayPal’s UK credit products with merchants and partners. My job was to foster cross-team collaboration and lead the delivery of an "all product, all flow, all integration, all partners" approach. I established Pay Later marketing guidelines for our merchants as well as "Pay Later partner principles" for our partners. I also coached new joiners as well as our existing staff.● Market Disruption: Won online finance exclusivity agreements with largest merchants along with “full stack" deals to deliver all pay now and pay later payments, including card processing by launching new unregulated pay later product (Pi3).● Sales Excellence: Managed change within enterprise sales team to boost deals for PayPal Credit with merchants by overhauling marketing and pre-sales processes which led to 50% of 2022 deals including both Pi3 and Credit.● Software Solutions: Streamlined process for merchants to advertise Pi3 and PayPal Credit products by partnering with vendor to devise AdTech solution for both products which enabled merchants to launch within days instead of months.● Strategic Alliances: Prevented enterprise merchants from churning while also launching more Credit merchants in Q1 2023 than all of 2022 by partnering with principal firm to enable support for merchants to receive FCA Credit Broker License or Appointed Representative to broker PayPal Credit.- Partnership unlocked SMB market while also significantly scaling growth opportunity.● Product leadership: UK SME for anything BNPL whilst supporting wider wallet UK consumer testing and being "unofficial chief tester and go to" for the NA product and development squads to test, trial, break and fix things! I'm particularly proud of being the first UK consumer to checkout with Pay in 3 and to purchase Crypto in my PayPal wallet during early release testing.

As the Credit Manager, UK Merchants, I spearheaded efforts to grow our merchant portfolio by liaising with various accounts to understand their performance and optimise their upstream presentation as well as integration. I set best practice guidelines for new businesses while also serving as subject matter expert for sales, account management, product, and sales engineering teams.● Data-Driven Decision Making: Revamped internal and external merchant reporting function that enabled merchants as well as internal staff to understand the power of a Pay Later solution which led to optimisation and upsell discussions.● Business Growth: Reduced churn by 5x and drove merchant engagement which led to higher spend and payment volume by advocating for and assuming business development role that serviced Pay Later client portfolio

In this role, I led the Sales Engineering team that was responsible for providing technical solutions, supporting our merchant base, and ensuring a seamless onboarding process. I worked closely with several cross-functional teams, including Sales, Product, and Engineering to develop and execute custom solutions for clients that met their specific business needs. ● Sales Pipeline Development: Identified opportunities to convert merchants with £50M+ in revenue from “Pay Now” sales pipeline to “Credit” pipeline while also delivering first multi-product integrations. ● Team Building & Development: Enhanced overall operations by mentoring individuals, onboarding new hires, and coaching staff using expert knowledge of PayPal wallet, credit, product, pre-sales processes, and strategic planning.

Upon transitioning to PayPal, I combined my solutions architecture abilities, project management skills, and technical knowledge to facilitate collaboration between the Sales Engineering and UK credit business to scale the number of our credit merchants. I conducted in-depth product analysis, innovated solutions, and led the full project lifecycle to deliver new PayPal omni-channel integrations. I also shared strategic feedback and recommendations to cross-functional teams. ● Pre-Sales Solutioning: Made critical contributions towards driving revenue boost by overhauling pre-sales processes and sharing enhanced pre-sales collateral which led to winning business with Ikea, TUI, M&S, Kingfisher, and John Lewis. ● Product Transformation: Optimised new Credit product for UK market by creating merchant-specific pre-sales solutions and integration guidelines from scratch while also developing knowledge sharing and scaling plans for team. - Realised significant increase in volume and accounts by closely liaising with product and partner teams to improve product functionality which enabled more consumers to use PayPal credit anywhere that accepted PayPal.

Earlier in my career, I managed the design and implementation of software solutions that improved our business operations. My scope of responsibility covered service management for payment suppliers, infrastructure, support, full application development lifecycle, and all aspects of global customer payments. ● Business Solutions: Transformed Merlin’s global eCommerce platform by leading design and implementation of major customer flow change for +100 websites with £150M+ in revenue which increased sales and web conversation by +2%. - Changes also reduced revenue leakage and fraud as well as customer complaints. ● Customer Journey: Optimised user experience while also improving customer satisfaction and loyalty by building User Experience (UX) and payment flow strategy for online experience across entire group.

* Ran a franchise of The Book People in the Twickenham area* Day-to-day operations, including accounting and people management* Stock selection and movement* Management of customer data and financial systems* Generated new business through client management* Developed marketing and sales skills

* Technical lead in Business Payment Apps (DD, Card Payments, HR Payments) at Virgin Media* Responsible for support and availability of customer card payment web systems* Improved processes through identification of development opportunities and collaboration with internal and external customers* 24/7 availability of key financial systems through contingency plans and disaster recovery* Problem, request, and development ticket support for the business* Root cause analysis to reduce repeat problem tickets* KPI performance management and improvement* Chaired inter-departmental meetings for roadmap reviews* Managed relationships with 3rd party suppliers and represented at change control meetings* Project experience from conception to delivery, including business transformation and in-sourcing activity* Management cover for team and documentation of new processes* Reconciliation report design for financial systems* Implementation and management of financial DR strategy* Oracle SQL Plus and UNIX experience* Shaped the future roadmap and design of payments and CRM systems* Support and development of company's business sales lead database (Clarify)

* Led a team of 30 in Provisioning Call Centre* Established team for Directory Listings and Regulatory database management* Achieved exceptional performance and SLA targets* Developed team training packages and succession planning* Oversaw annual budget reports