Mark Cinderey Email & Phone Number

Edinburgh, Scotland, United Kingdom

• Key responsibility for the strategic end-to-end product delivery to ensure the Personal Loans product is sold in a compliant fashion and within risk appetite.• Create and drive the development of the Personal Loans product roadmap and strategy.• Deliver products and features and ensure changes are fully compliant with relevant regulations and deliver fair outcomes for customers.• Leading and supporting change projects in collaboration with cross-functional teams across Sainsbury's Bank to ensure smooth delivery, compliance and high-quality customer experience.• Provide SME product input for all industry and regulatory change, conduct and compliance projects relating to Personal Loans and other Retail Bank products as required.• Proactive oversight and management of emerging and existing product risks to resolve risk events, implement controls, and undertake regular testing to evaluate inherent/residual risk levels.• Management of the product lifecycle through defined key metrics, both financial and non-financial, to evaluate product performance and optimise customer distribution channels/journeys – and shape future tactical and strategic actions required based on these metrics.

Edinburgh, Scotland, United Kingdom

Planned Sabbatical from full time employment to pursue alternate health, wellness and fitness interests

Edinburgh, United Kingdom

• Product Manager and primary source of professional expertise and with principal accountability for multi-billion Pound core banking liquidity account product.• Responsible for the strategic direction, management and development of the Commercial Foreign Currency Account product to meet customer needs, with accountability for product excellence for the end to end process; risk, conduct and regulatory monitoring and framework implementation.• Full responsibility of the end-to-end product processes with regular engagement with key stakeholders to ensure process maps and centrally documented procedures are regularly reviewed and updated in line with standard RACI matrix.• Deliver initiatives with partners and stakeholders that continuously improve and simplify the product and related processes, achieving product excellence for our customers. • Key monthly review of ongoing Outcome Testing controls. Assessment of outputs that were below threshold levels with investigation to understand underlying drivers and recommend improvements to processes or controls to counter further sub-optimal output tests• Review, evaluate and manage product risks through operational, system, environmental, people lenses to ensure adherence to the LBG risk and compliance framework to meet key conduct standards and wider industry regulations. • Full ownership of annual product risk review and product plan, with consideration of account industry and economic information, market intelligence, customer/sector behaviour, emerging technology and regulatory requirements. • Build strong relationships with key and diverse stakeholders to manage their multiple needs and to ensure the delivery of customer solutions. Support customer pipeline development with Coverage and Sales teams.• Accountable for the revenue and cost drivers and the product performance indicators. Support the execution of pricing strategy based on internal/external environment, and influence sales and marketing strategies.

Edinburgh, United Kingdom

• Provide sound, timely credit and associated decisions relating to a broad Commercial and Corporate customer portfolio. Conduct an independent assessment of each case and prepare relevant documents for an informed decision.• Assist Certus (third party relationship management function) with the identification of viable recovery and restructuring options and apply judgement when evaluating and recording the strengths and weaknesses of individual cases.• Implement specific relationship strategies for each exposure with the aim of maximising recoveries for the Bank.• Negotiate with Certus to ensure that their activities are aligned with the Bank’s requirements.• Monitor compliance with Bank and regulatory policy (both UK and Irish) recommending action where necessary in order to minimise risks of all types (including credit, regulatory, reputational and operational).• Manage the production and execution of facility and security documentation, as well as professional engagement letters.• Initiate and manage the introduction of changes to systems, processes and working practices in order to achieve operational improvement. Undertake monthly performance review against agreed Certus contractual performance criteria.

Edinburgh, United Kingdom

• Developed an in-depth understanding of customer and financial needs within the corporate marketplace. • Gathered and analysed financial and other information to present sometimes complex, properly structured credit applications to be sanctioned. • Maintained the highest standards of credit stewardship and operational management across the portfolio ensuring ongoing credit processes and information requirements are met. • Tailored customer solutions by utilising the full range of Bank products and expertise. • Negotiated interest rates, fees and commissions with customers to optimise income/profitability. • Created a long-term strategy/plan of visits to existing and potential customers, building strong relationships with key business influencers to generate new leads and deliver new business gains (primary or transactional).• Active involvement with review of 'non-core' client portfolio to prepare and execute customer strategies where there has been a focus and requirement to re-price, re-structure/re-gear the facilities aligned to current risk/reward appetite for commercial property development and investment lending.

Edinburgh, United Kingdom

• Ensured good awareness of strategy for each customer portfolio and be able to actively support business development and participate in cross selling activities. • Involvement to support the preparation of various credit papers and completed credit submissions of a simple nature with minimal supervision. • Instructed and engaged with various professionals to assist in the completion of legal and commercial due diligence. Reviewed facility documentation to ensure it was reflective of the terms of sanction. Reacted to customer requests in a professional manner.• Successfully undertook line management duties to proactively provide support and coaching, as well as progressed ‘entry stage’ Corporate Analyst to proficient and high-performing colleague.

Edinburgh, United Kingdom

• Acted as a point of contact for enquiries often in the absence of the Relationship Manager, dealt with issues/queries to ensure customer service is of the highest standard. • Proactively reviewed team portfolio and client base to recognise, generate and convert numerous cross-sales opportunities during day-to-day contact with client and refer to business areas for progression which included Treasury, Asset Finance, Corporate Online Services and Corporate Credit card products.• In-depth knowledge of all aspects of KYC and KYB requirements across the Corporate Product suite and act as a point of reference for all colleagues

Member (Mcibs), Pass

Associate (Acibs), Pass

Master Of Arts (Ma), Banking & Finance

Ba (Hons), Economics