Umbrella role sitting across commercial and product, responsible for matching current capabilities to market needs and designing/ delivering new capabilities to expand Openwrks and Tully businesses.• Created a successful product balance of existing client need, market desire, strategic product design and technical debt, unlocking growth potential for the business.• Pivoted the Tully product within 2 weeks of Covid lockdown to take advantage of the payment holiday affordability evaluation requirement • Created revolutionary affordability triage product enabling better acquisition decisions and enhanced FCA compliancePartnered with FICO to deliver transaction based credit risk insights for both customer acquisition and in-life customer management - potential to challenge the CRA monopoly on credit decisioning.• Delivered an energy specific self-serve payment management product, enabling collections customers to produce an accurate, Open Banking informed, budget - delivering an improved customer experience and saving customer and agent 30 minutes on the phone.• Implemented an internal SDR function from scratch - 15 SQLs delivered to sales team in first campaign

1 of 4 founding members of the Tully business, accountable for the ideation, development and delivery of the world’s first Conversational AI enabled, Open Banking driven, B2C debt advice solution. • Utilised knowledge and experience of both creditor and consumer side financial difficulty processes, challenges and opportunities, accompanied by a comprehensive consumer focus group program and FCA/ creditor requirements to create a cutting edge self-serve debt advice product with sophisticated UX. • Led product, design and tech teams to create and prioritise development roadmap, refining features and balancing elegance of technical solution with speed of delivery. • Led FCA licensing process to approve the only new debt counselling license in its history and its first programmatic debt advice decision logic (12 month process).• Created an open banking powered flexible debt management plan that determines consumer affordability each month and only takes what a consumer can afford, which improved sustainability and reduced stress of hundreds of Tully members.• Defined and implemented all the operational processes and policies required to manage a heavily regulated operational debt advice agency.• Additionally responsible for the successful day to day delivery of Tully, leading an operations team of 15 and with a strong consumer focussed ethos to improve the lives of people with money worries. • Within 12 months of launch had grown Tully to be the 2nd largest provider of debt advice in the UK.

Accountable for the full product lifecycle for all collections, recoveries and financial difficulties products across Equifax’s global business, leading a team of product managers, platform managers and analysts. From gathering VoC and VoS from the local business units to developing product roadmaps with our IT partners, creating core product propositions with local and sector level flavours and creating sales collateral and commercial models and training out to the local business units.Additional responsibility for the data strategy of the debt services division of Equifax, driving the structuring and use of internal and external data to maximise value delivered to our clients.Building and managing a high performing team to become the Debt Services Centre of Excellence for Equifax globally. Creating and rolling out a new product management approach where revenue accountability sits with the Centre of Excellence and execution standards are attained/ enforced as well as the typical product development/ enhancement responsibilities.Maintained responsibility for the global solutions team, which has expanded to align with the greater number of countries debt services products is being launched and the greater number of major opportunities that need solution support. Progressing major deals in the UK, Spain Australia, Canada, Mexico and a number of other countries.

Accountable for creating proposals, solutions and RFP responses for all major collections, recoveries and financial difficulties opportunities across the TDX global network. Leading a team of three senior solution designers and coordinating local sales teams and central commercial and marketing teams to create a consistently high quality output to maximise sales conversion rates for TDX.As part of this role I was a critical part of the DMI winning bid team with HM government and an Australian government bid where we are currently down to the last two bidders.Additional responsibility as the UK sales director, restructuring the team and putting in place targets, reporting, CRM system and communication processes to set the team up for success before handing the team and responsibility over to the UK business head

Responsible for creating a platform to take TDX products to international markets using a partnership model to limit initial investment and maximise speed of country entry and profitability.Successfully launched TDX Australian business, promoting the recoveries solution in-country with the local partner’s sales force. Coordinated the hosting and implementation of the TDX recoveries platform in Australia and personally negotiated and signed two $multi-million multi-year contracts with major blue chip clients in the first 24 months of operation. Oversaw the client management and strategy execution to deliver an average uplift of 30-70% for our clients. Once all the systems and processes were set up I handed over responsibility for the day to day running of the Australian business to the local team but maintained a supervisory and support position to the Australian MD and accountability for commercials and solutions for Australian new business whilst exploring opportunities in Italy and South Africa.

Accountable for end to end product and market expansion strategy and execution for TDX. Identifying and evaluating new markets for existing TDX products by matching market needs to current capabilities and determining where there are gaps that TDX could exploit.Managing a team of proposition managers to drive and coordinate a rigorous process for qualifying new products and new markets for investment; process going from idea generation through concept qualification, proposition development, sales and marketing campaign design and execution and the follow up solution design and sales support. Spearheading our international expansion strategy, managing multiple country partnerships and remotely driving partner salesforce and process. Launched 5 new products, including the Credit Today HeliX launch event in the first year and ran 8 sales campaigns with coordinated marketing activity, which has resulted in 16 sales to date and the healthiest sales pipeline in TDX history.

P&L owner responsible for retaining and expanding multi million pound utilities and telecommunications client base.End to end accountability from developing a market strategy and identifying the market opportunity, through driving the development of products to satisfy the market opportunity , agreeing targets and investment requirements with the board, to executing the strategy to deliver new business targets and perform on existing contracts. Demanding excellence from the operational business areas, holding multiple business areas to account for their delivery. Leading a team of account directors and business development managers creating innovative solutions for client problems, building and maintaining effective personal relationships at an executive level, implement an effective sales process and ensure world class service execution.Additional responsibility for leading and coordinating the TDX innovation agenda to structure what we do and how we identify and prioritise resource to deliver it.In year 1, successfully delivered to target on existing client base and exceeded growth target by 30% in-year and 200% in full contract value. Year 2 forecasted to exceed accelerated growth target.

Responsible for delivering 30% year on year growth across Insolvency Management and Debt Recovery businesses.Accountable for mapping market opportunity against TDX capability and building a suite of solutions to meet creditor needs, then managing sales pipeline and steering business development strategy and efforts to maximise successful contracting. Developing sales messaging and collateral and driving product development agenda to fit client needs and market gaps. Delivering front line sale support to business development team, pitching solutions to executive contacts and negotiating contract and commercial terms.10 new major Insolvency Management clients signed in first 12 months and doubled the size of the Debt Recovery business in last 18 months.

P&L owner responsible for retaining and expanding multi million pound financial services client base.Leading the debt sale new business strategy, supporting business development managers to articulate TDX debt sale proposition, create and negotiate commercial contracts.Leading and managing a cross functional team of relationship managers, sale delivery managers and analysts to deliver world class performance and maximise benefit for TDX and clients.Owning and managing executive client relationships.Delivered full year multi million pound target within 6 months, managing 8 concurrent debt sales, which is still a TDX record.

P&L owner accountable for delivering a >£250k annual target and creating multi million pound pull-through opportunities by building credibility with world class delivery.Building and leading a team of consultants to conduct strategic reviews of credit management processes and strategies for creditors across all sectors and recommending opportunities to improve performance.Responsible for overall quality of output and maintaining executive sponsor client relationships.Delivered the annual revenue target and using the recommendations from one of the engagements pulled-through TDX’s flagship debt recovery client, which has resulted in >£5M revenue to date.

Accountable for delivering quantitative and qualitative advisory projects for financial services creditors.Gathering information through creditor interviews, extracting and analysing data to develop insight and recommendations to improve performance.Compiling professional output and presenting to senior executives.

Accountable for managing the risk and operational analysis needs of Capital One’s Spanish, Italian and French businesses, splitting time between UK and European sites.Leading and managing a team of multi language analysts working across multiple geographies to measure. monitor and optimise performance of credit card acquisition, management and debt collection processes and strategies. Also a key part of the team setting up and implementing the pan-European call centre in Amsterdam.