ABCUL is the leading representative body for credit unions. It promotes the interests of credit unions locally, regionally, nationally and internationally.I am one of two Member Relationship Managers, each looking after 100 credit unions throughout England, Wales and ScotlandCredit Unions pay to join ABCUL, and so I am judged by the value I help to offer. This involves creating, organising and delivering training for our members to enable them to grow their business. A large part of this requires staying up to date with financial legislation, and it is something I enjoy.Our credit unions also each belong to a regional forum, and I work with them to deliver regular meetings to enable learning and sharing of best practice. This can be challenging, but the opportunity to engaged with internal and external stakeholders to deliver meetings of interest is one I enjoy.

Carfinance247 is the UK's largest online broker of car finance. My role here wasto lead the underwriting team to deliver interest rates for the customer which werereflective of their credit profiles, but also low enough so as to be competitive. Mykey responsibilities were to manage the circa £50k applications that the businessreceived each month and ensure they were placed with the relevant prime orsubprime sales team; and to choose the rates for all prime customers.

Evolution Money is a specialised secured loan company, operating in the subprime market. My team sells circa £2.6 million in advised loans per month, with anaverage case size of £9,500. My remit is to provide effective management of theEvolution sales team of 18 Underwriters ensuring that all customers receive themost appropriate financial solution for their needs. 2015 saw the business submit our FCA licence and Imanaged the change this brought about. This included the removal ofmonthly commission for underwriters, and the move to salary banding; and a newand heavy emphasis placed on call quality.

Manchester Credit Union is a not-for-profit financial co-operative serving people who live or work in the city of Manchester. I was the Customer Service Manager, and part of the Senior Management Team. My remit was to ensure the day to day operations of the union's focused upon delivering an accessible alternative to mainstream banking, and I complimented this by training our partner organisations whom had a customer profile that our services match.My team provided 900 low cost loans each month, for our 11,000 members.

I joined NatWest Private Banking as a Private Banking Manager in January 2011.Following my time at the Halifax, I wanted a role which would build upon theexpertise I had developed in Retail Banking, but would involve more customercontact than line management was providing. My remit as a Private BankingManager was to provide 350 high net worth clients with a telephony basedrelationship management service that catered for all of their financial needs. Aclient will have a minimum of £100k assets within NatWest, or £200k p.a.mandated to the bank. My key activities in this role included: 6 monthly financial reviews with each client introducer for the sale of FSA regulated products complaint resolution credit stewardship

I joined the HBOS graduate scheme in 2006, and the programme's aim was toexperience every role in the Halifax retail bank environment. This would give mean understanding of how to run a branch, while enabling me to specialise if Iwished. By the time I took my first management role in March 2008, I had workedin 6 branches covering every role – including: working on a till with a primary focus of lead generation for sellers selling direct to customers in an interview situation managing a team of lead generators in a busy Banking Hall in Manchestercity centre a month's secondment to manage a counter and float in Northern Ireland led an area project to improve service in 8 branches