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Steven Hall Email & Phone Number
Consumer Credit Consultant
at
Freelance (Self employed)
LinkedIn matched
✓ Verified Jun 2026
2 data sources
Profile completeness 71%
Current company
Role
Consumer Credit Consultant
Location
Bottesford, England, United Kingdom
Company size
Who is Steven Hall? Overview
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Steven Hall is listed as Consumer Credit Consultant at Freelance (Self employed), a company with 237191 employees, based in Bottesford, England, United Kingdom. AeroLeads shows a matched LinkedIn profile for Steven Hall.
Steven Hall previously worked as Head of Commercial for Credit Cards, Embedded Retail Finance and Business Development at Newday and Head of Marketing, Retail Deposits at Newday.
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Freelance (Self employed)
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About Steven Hall
A seasoned credit & people leader with extensive experience of consumer finance and reoccurring revenue sectors, particularly in credit cards, point-of-sale finance (including BNPL), savings and insurance. A track record of delivering financial business transformations, formulating and implementing growth strategies and managing portfolio purchases and sales.Core competencies include:โข ๐ฆ๐๐ฟ๐ฎ๐๐ฒ๐ด๐ถ๐ฐ ๐๐ฒ๐ฎ๐ฑ๐ฒ๐ฟ๐๐ต๐ถ๐ฝ: Spearheading portfolio commercial turnarounds and enhancing performance.โข ๐ฃ๐ฒ๐ผ๐ฝ๐น๐ฒ ๐๐ฒ๐ฎ๐ฑ๐ฒ๐ฟ๐๐ต๐ถ๐ฝ: Building and developing high-performing teams.โข ๐๐ถ๐ป๐ฎ๐ป๐ฐ๐ถ๐ฎ๐น ๐ ๐ฎ๐ป๐ฎ๐ด๐ฒ๐บ๐ฒ๐ป๐: Combining P&L, cashflow & commercial experience to drive financial performance. โข ๐๐ฟ๐ฒ๐ฑ๐ถ๐ ๐ฟ๐ถ๐๐ธ: Developing new scorecards, deploying new data, utilising machine learning and AI, product features, new customer channels and detailed analytics to optimise credit losses โข ๐๐ป๐ฎ๐น๐๐๐ถ๐ฐ๐ ๐ฎ๐ป๐ฑ ๐๐ฎ๐๐ฎ ๐ฆ๐ฐ๐ถ๐ฒ๐ป๐ฐ๐ฒ: Leveraging techniques such as machine learning, AI natural language processing & logistic regression to support strategic decisions, forecasting and credit underwriting. Experience of tools sets including including Excel, Python, SQL & SAS.โข ๐๐ฒ๐ฏ๐ ๐ณ๐๐ป๐ฑ๐ถ๐ป๐ด: Utilising credit and commercial knowledge to obtain new funding facilities and expand existing facilities to optimise cashflow & achieve business goals. โข ๐๐ฎ๐๐ป๐ฐ๐ต๐ถ๐ป๐ด ๐ป๐ฒ๐ ๐ฏ๐๐๐ถ๐ป๐ฒ๐๐ ๐น๐ถ๐ป๐ฒ๐: Track record includes launching embedded finance product, delivering PRA ready business plan as well as numerous credit portfolio launches.โข ๐ &๐ ๐๐ ๐ฝ๐ฒ๐ฟ๐๐ถ๐๐ฒ: Leading commercial assessments for portfolio & broker acquisitions and managing asset disposal processes.Oversaw the commercial turnaround of a ยฃ1.8bn embedded finance and credit card portfolio at NewDay, transforming it from a declining, loss-making entity to consistent, profitable growth. Additionally diversified and future-proofed the business by launching an embedded finance arm, successfully integrating over 100 retailers.
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Steven Hall's current company
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Freelance (Self Employed)
8 roles
Steven Hall work experience
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Head Of Commercial For Credit Cards, Embedded Retail Finance And Business Development
- Responsible for the commercial turn around and long-term performance of a ยฃ1.9bn, 2.3M customer embedded-finance & credit card portfolio.
- Led turnaround strategy following portfolio acquisition from Santander, achieving 6% ROA margin growth and portfolio growth from ยฃ600M to ยฃ1.9bn.
- Optimised credit policy, pricing, funding, product and channels to deliver substantial financial improvements and 2/3 cost reduction.
- Responsible for the commercial design of "NewPay," a BNPL embedded finance product sold to 100+ retailers, including AO, Currys, Wayfair, and Lloyds.
- Developed new analytics, pricing, billing and underwriting models to support launch of โNewPayโ.
- Led the commercial assessment and design of M&A activity and new retail partner contracts
Mar 2014 - Dec 2024
Head Of Marketing, Retail Deposits
Consultant responsible for producing PRA bank authorisation application via "New bank Start up unit" process and advising on the establishment of retail deposits unit.
Oct 2013 - Mar 2014
Head Of Customer Value Management
Head of team responsible for identifying and delivering new retention and inlife value capability across EE, T-Mobile and Orange brands as well as overseeing post-merger upgrade and customer management integration and EE brand launch requirements.Responsible for optimizing value of 3 million upgrades pa with a total revenue of ยฃ2.5bn, implementing.
Jun 2012 - Oct 2013
Head Of Upgrades And Retentions - T-Mobile
Head of retentions team of seven responsible for retention trading and P&L management, managing 1.3 million customer transactions per year and investment budget of ยฃ350M pa across 4 customer channels.
Mar 2010 - Jun 2012
Head Of Strategy & Analytics For Savings, Cross-Sell And Shared Services
Head of commercial team of seven responsible for the retail deposits savings business, all credit card and loan cross-sell products, sales call centres and complaint management optimisation. Successfully managed savings portfolio to funding requirements during period of market instability (Lehman Brothers, Bradford & Bingley) and was responsible for.
Jan 2008 - Mar 2010
Customer Management Manager
Manager of Cross-Sell business team of 4 analysts responsible for all cross-sell and all non credit line & balance-transfer customer management programs including responsibility managing regulatory response to the Competition Commissionโs PPI Investigation.
Jan 2007 - Jan 2008
Business Analyst (Associate/Senior Associate)
Analyst rotation working for two years as part of the direct marketing credit card acquisition team, and for one year as lead analyst in credit team responsible for delivering incremental lending to existing card customers.Responsible for targeting 70 million mail pieces per year and for the ground-up development of a new credit card valuation methodology.
Jan 2004 - Dec 2006
FAQ
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What company does Steven Hall work for?
Steven Hall works for Freelance (Self employed).
What is Steven Hall's role at Freelance (Self employed)?
Steven Hall is listed as Consumer Credit Consultant at Freelance (Self employed).
Where is Steven Hall based?
Steven Hall is based in Bottesford, England, United Kingdom while working with Freelance (Self employed).
What companies has Steven Hall worked for?
Steven Hall has worked for Freelance (Self Employed), Newday, Everything Everywhere Ltd, and Capital One.
How can I contact Steven Hall?
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