Developed a major transformation programme to build a modern, flexible and efficient operating environment to meet the needs of members and improve operational effectiveness.Creation of a digital infrastructure to provide enhanced services and product solutions using multiple, integrated delivery functions to suit a range of user preferences. A major investment to replace the core IT banking infrastructure and associated customer facing applications.

Led multiple functions across the organisation including business operations, product and marketing, mortgages and savings, distribution, data and analytics and IT.Developed growth and impact strategy and plans through a detailed understanding of the needs and motivations of members and colleagues while operating within a rigorous regulatory environment. The growth plans and supporting operational change delivered a 100% increase in asset values, 146% growth in lending and 73% uplift in profit over 6 years.Raised the profile and impact of the organisation in supporting the climate action agenda, sustainability and recognition as an innovative pioneer of solutions that support people and the planet whilst being a thriving commercial entity. • Leader of operational functions covering the full product lifecycle from acquisition to closure • Creation and implementation of operational, IT and business strategy• Delivered capability for entirely remote working during and post-pandemic periods

Business lead on multiple projects including EU Mortgage Mortgage Credit Directive, leadership of retention strategy for £13bn mortgage book, development of Interest Only strategy and redress and remediation programme. Continuous improvement of mortgage business and delivery, creating operating models and structures across multiple channels for MMR, conduct risk and operating platforms. Creation and implementation of conduct risk policy and implementation across the mortgage product portfolio.

Led the development of strategy for growth of retail banking distribution channels for Cooperative bank.

Led the development of business planning and performance measurement and management tools for the Cooperative bank network. Created new productivity, efficiency and forecasting processes quality management tools leading to operational performance improvement and a 36% increase in productivity.

Led the team servicing all mortgage needs for HNW private banking customers. Led team of c80 to deliver £2bn annual lending and growth of 60%.

Developed new channel for bancassurance distribution across the 330 estate agency network

Led the central retail distribution function for HBOS mortgages and led the work to prepare the Halifax and Bank of Scotland mortgage sales force for mortgage and GI regulation.

Led the merger and integration of Halifax and Bank of Scotland Bancassurance functions across the Retail network of 350 branches with 250 advisers.

Led central support function for bancassurance during a period of major change and rapid growth.