• The position requires the ability to apply strong analytical and critical thinking skills to solve business problems, and quickly arrive at recommendations that drive corporate priorities.• Leadership of interchange strategy projects, with management of multiple work streams, providing management and co-ordination for both pricing and interchange strategy and development.• Collaborating cross-cluster and regions to provide strategic alignment, insights and rigorous, fact-based recommendations in line with best practice.• Partner with multiple teams, including Merchant Sales & Acquiring, Product, Client Services and Finance to gather insights, analyse trends and understand P&L impacts in order to utilise interchange and pricing to capture incremental volume and revenue.• Structure, build, and present quantitative and qualitative analyses with the ability to summarise and communicate insightful information• Drive the analysis of the financial impact of new opportunities, proficiently executing simple to complex financial modelling and data manipulation tasks utilizing detailed knowledge of interchange fees, Visa transactional data and mathematical reasoning.• Communication of expertise and specialist knowledge to less experienced members of the team, acting in a mentorship capacity where appropriate.

• Build and develop a strong relationship with a Super league Issuing partner outside of Visa, and responsible for working with external & internal clients to identify new and ongoing requirements, and introducing new products and services.• Managing all aspects of the account, ensuring the clients are provided support and excellent service across the business.• Employ my finance and commercial acumen related to all contract funding negotiations including client incentives, marketing campaigns, new product implementation and delivery. • Creating annual business and account plans for the clients, and ensuring these are fully executed and evaluated during the course of the year.• Collaborate and engage with colleagues across Visa, to break down silos and ensure the business is appropriately involved and informed regarding the client issues, enabling the delivery of solutions as one unified team.

Client Engagement Revenue Finance Business Partner• Leading the coordination of the Forecast & Budget Cycle process, including the communication of the process and key dates, challenging projections, obtaining business sign-off, and ensuring all documents are fully completed on a timely basis and formatted for the Hyperion reporting system.• Creating Cluster & Country P&L Reports with Commentary and analysis on trends, issues and anomalies.• Providing financial and commercial support to all Visa’s European territories in order to assist in the achievement of budgeted and strategic financial goals.• Creating Top Client Reporting and Analysis through the manipulation and interrogation of Hyperion to provide insights on behaviors and trends.• Working with the Country managers to drive the market strategy whilst maximizing revenues.Key achievementI created an insights pack for each cluster of countries, to be discussed on a monthly basis with the Cluster Managing Director. This was praised for being very useful in helping drive business decisions.

Visa Europe Rebate Project (Secondment)• Creating Financial Models, allocating limited funds for a number of VE members as a result of the cessation of rebates.• Negotiating loss mitigation rates with Account Executives and conducting scenario analysis.• Business case creation and sign off.

Visa Europe Sale Distribution Team (Secondment).• Part of a team responsible for creating, and calculating the distribution methodology for the sale of Visa Europe.• 6 month project assessing 482 members with multiple contracts across a qualifying period to determine eligibility.• I created the governance and framework regarding the ways of working, the induction, training, and development of the team, oversaw and signed off contract calculations and recommendations.

• Providing financial and commercial support for the Business Strategy & Development and Digital payments solution programmes in order to assist the business in achieving its budgeted and strategic financial goals.• Partner with key stakeholders to ensure all business challenges are achieved.• Providing reports, analysis and advice on all matters relating to finance including revenues, expenses, profitability, projects, business cases, scenario analysis, and balance sheet matters.• Management of a finance analyst.Key achievementsI created a finance education programme including a welcome pack ensuring attendees understood the relevant finance accounting terms and the importance of financial governance. This reduced errors and assistance required from my team during the month.I implemented a new month end process including a MI pack output document to support senior management decision making.

• Providing financial and commercial support to the 15 Growth and Emerging Markets and Marketing division in order to assist the Executive Vice President (EVP) and senior management to achieve its budgeted and strategic financial goals.• Providing reports, analysis and advice on all matters relating to finance including revenues, expenses, profitability, projects, and balance sheet matters.• Analysing and interpreting data, to create insightful information to present to ensure appropriate commercial decisions can be made by the EVP.• Ensuring Country market development contributions are managed and collected from each of the relevant Countries and member banks on schedule, and the information is reported to the business.• Working with the Country managers to drive the market strategy including the achievement of POS CEV targets, and whilst reducing costs Key achievementsI created a new country evaluation method, enabling like for like comparability when making investment decisions. This was used to help decide which countries to focus BPA funds on.I created an MI pack for the regional country managers. This resulted in increased cost control.I devised a model for collecting and monitoring funds from members within specific Countries. This resulted in a reduction of time and month end adjustments required to account for member funds.

• Liaising with Relationship Managers to design and build financial models and business cases including various types of sensitivity analysis to enable robust commercial decisions with the aim of winning new business or retaining existing business from Member Banks within the 34 European regions covered by Visa Europe. • Challenge and critique financial data and information provided by internal and external stakeholders to ensure the robustness of information produced, whilst limiting Visa’s exposure to financial risk• Interrogate, financial data from a number of systems including Cognos and Hyperion.• A weekly meeting with the VISA Europe CFO and relevant VP’s to discuss and advise whether prospective deals should be authorised to proceed to the contractual stage and beyond.• Adhoc discussions with member banks to explain and justify financial data, information provided and contractual terms.• Working closely with the legal team to ensure the obligations within the contracts fully reflect the essence of the business cases and signed financial documentation • I had one full time Commercial Finance Manager reporting to me, to whom I am responsible for coaching, developing, and supporting within the team.Key achievements.With the New Business Team I introduced and educated the business regarding the new methodology used for evaluating potential deals in the UK & in Poland.I was responsible for completing the modelling for Visa Europe’s biggest UK Debit portfolio over a period of 2 years which locking in £445bn worth of POS CEV.

• Providing financial assessments of new business deals through the preparation and maintenance of financial models and business cases including scenario analysis, capturing profit share exposure and producing full senior Management / Exec sign off documentation including comparisons to key metrics, associated risks and recommendations. • Challenging and providing recommendations throughout the deal negotiation process including the desired customer rates charged, marketing contributions and the profit share calculations.• The preparation of monthly management reporting packs.• Liaising with key stakeholders to attain the most relevant data including members from Underwriting, Actuaries, Commissions and Expense, and the distribution teams.• Conducting deal priority meetings aligning team capacity to those deals which are valued most to the business, and distributing to stakeholders.Key achievements.I created the Business case document used to evaluate deals, and gain sign off from senior management.

Tasks included producing management accounts and analysis to facilitate effective company management decision making, and the effective management of Credit control and Accounts payable staff to ensure sufficient cash flow status. Within this role I had 2 accounts clerks reporting to me.

Tasks included the Supervision of the Adult Services Finance team and ensuring accurate and timely budgetary information and analysis is supplied to all Managers, the authorisation of all finance related issues, and assisting managers regarding all financial issues. Within this role I had 3 finance officers reporting to me.

Responsible for the income and expenditure of five of the London city estates, a leisure centre, and sports and Development. Duties include the coding, batching, authorisation and payment of invoices and petty cash, Cash reconciliations, producing and charging invoices, budget reporting, recording and banking miscellaneous income along with assisting with supplier and customer queries.