Gillian L Cuthbert Email & Phone Number

Edinburgh, Gb

Edinburgh City, Scotland, United Kingdom

Currently, I support our Help me Borrow value stream for our Loan and Credit card products. I am accountable for our ‘Attract’ segment of the business, this entails differing KPI’s from our web site visits through to our customer journey analysis. There are various Projects recently live from introducing new Credit cards to market, our PCW partners displaying a more attractive Tesco Clubcard price for our customers, numerous Pricing changes & compliance enhancements to better customer understandings. This all works through our Agile ways of working, Additionally, I have undertaken new processes to support workload, including taking the lead on Kanban JIRA training for our ‘Help me borrow’ squads.Key Achievements include: -➢ Certified SAFe 6.0 Agile Product owner and Manager➢ Project Manager for UX/CX and optimisation strategies – A/B testing & enhancements➢ Compliance enhancements for our Loan and Credit card Journeys ➢ Development of our Pricing processes which improved efficiency and timelines➢ Risk management, promptly addressing and closing defects ➢ Efficient changes for our transition to Barclays Bank

Edinburgh City, Scotland, United Kingdom

I was the Project Manager for the Protect value stream for Tesco Bank Pet Insurance. There was a strong desire to improve the customer experience and deliver fair outcomes on our web pages and our external owned customer journey, whilst delivering against our KPI’s. My role required effective stakeholder Management, excellent communication & relationship management alongside planning and analytical skills. I shaped setting the business objectives - tactical and strategical, including feeding the initiatives through our planning, forecasting, and budgeting process. I proactively identified and managed risks, ensuring the Bank’s appetite risk tolerance. Key achievements include: -➢ Project manager for numerous initiatives : Recommend a Friend, Live chat delivery, E-gift card / Clubcard points campaigns, Vetfone optimisation, introduction of Voluntary excess (Co-insurance) & Retention toolkit improvements➢ Key influencer for A/B tests and stakeholder for changes within the customer’s digital journey➢ Positive collaboration with the Price comparison Websites, Partnership, Product and Pricing teams, alongside external partners & underwriters➢ Successful deliver of the Budget and re forecasting plans

I volunteered to support businesses and tourism within West Lothian. My commitment to the role was to support the social media platforms alongside business acumen and guidance in meetings. I remain keen to help give visibility, hence, grow and create new opportunities for our up-and-coming generations.

Daily, I supported trade growth and in-store standards across Edinburgh, West Lothian, and Lanarkshire regions in Scotland. I managed circa 480 retailers from large Multiples to Independents. I achieved success through excellent retailer service, demonstrating how to increase sales & profitability. I effectively and proactively managed the relationships with retailers and adhered to the stakeholder’s vision in developing and delivering the Retail contact strategy. A large part of my role was to source new business, acting as the face of the company. Key achievements include:-➢ Top Sales for active new growth / new accounts and maintaining existing contracts➢ Ranked second top District for YonY growth in the Region➢ Most called upon to support 7 train regions that were having challenges in performance

I was responsible for 44 stores in Scotland and the North of England for Hewlett Packard. I was accountable for Sales and Training for John Lewis, Curry’s PC World and Office outlet. Daily, I proved my ability to negotiate and build solid and progressive relationships with key decision makers.Key achievements include:-➢ Highest regional results for our bespoke online training academy➢ Conducted one of the highest Leadership training evening events - Sponsoring and presenting➢ Top 5% team player continually for brand distribution

Scotland And Northern Ireland

I was fully accountable for the Region’s P and L across Scotland and Northern Ireland. Responsible for a £24M Annual Turnover, 10 Area Managers, 1 Development Manager, 123 Store Network, 400+ Staff Headcount. My key objective was to drive product growth whilst supporting Head Office objectives. The emphasis has been on staff training and development to ensure regulatory compliance for the CFA.Key achievements include:- ➢ Most Profitable Region in the Company - 5 Regions, £10M year end➢ Top turnover in Foreign Currency 4.3M PA➢ Top Loan book and Mastercard uptake.➢ Repayment Recovery discipline, with an average 91% repayment (Co. av. 87%)

Northern England And Scotland

I relocated to Manchester to shape and drive the strategy to establish a business presence in England and Scotland for CS Financial, all activity was overseen by the owners, a large Canadian Corporation. The role specifically involved setting up a new HO and growing the retail store network including liaising and attending meetings with our solicitors and compliance bodies. We developed the business from 5 to 25 stores, turning over £7.5M revenue (with a further 40 branches on the property guide signed off before completing my contract). Key achievements include:-➢ Set up Corporate offices and departments including: HR, IT, Property, Training and Marketing➢ Successfully grew the Senior Management base from 2 to 9 Area Managers➢ Established the Manchester region and went on to develop a business presence in other key locations including: Merseyside, Yorkshire, Greater Manchester and Scotland encompassing site sourcing, Heads of Terms, Recruiting to trading

Scotland

My role was to manage the Scottish branches to deliver profitability and improve new store payback timelines. At peak the area turned over £6M per annum, exceeding revenue and profitability to budget. With 12 direct reports, partnering alongside HRBP, product managers and a PA. I was Ranked No. 1 Operational Area Manager, out of 44 peers for 3 consecutive financial years for Total Revenue to budget and Ops Profit to budget. Key achievements include:-➢ 145% growth YOY for ops profit, 124% growth YOY for total revenue. 45% over budget, company average 2%➢ DFG international leader’s guild winner for FY10. (Global winner out of 109 peers in UK, USA and Canada)➢ Integrated £4.2M business acquisition. Driving concept from initialisation to completion, whilst tracking and analysing results

Scotland

Responsible for the daily operation of 44 stores across East, Central belt and Highlands, Scotland. The Region’s sales were just over £3.8M. Delivering results through 4 Cluster Area Managers and 44 Branch Managers overseeing 140 staff. My role was to achieve sales targets through maximising photography development including digital enhancements, upgrades, delivery of merchandising standards and stock sales. Communicating company strategies and regional initiatives. Developed PDP’s for 44 BM’s, continuing ongoing development and assessmentKey achievements include:-➢ Regional performance 135% to budget, £41k profit increase YOY, 56% growth YOY➢ Highly successful KPI/ Profitability results. Top in Company for Mystery shop results➢ Implemented Action Plans for underperforming Stores/ Individuals turning 12 stores from negative to positive profitability