Michael Evans Email & Phone Number

On leaving Latitude Finance I've given myself a sabbatical for a different style of personal development, before return to more normal business activities. During this time I have focused on practical, physical and greater diversity of leadership skills. Achieved: small business development consulting, speciality diving instructor, Medic First Aid instructor, Emergency First Response instructor, diploma in leadership.I've used the last 6 months to embrace a passion of underwater scuba diving and to give myself new personal challenges to better embrace the New Zealand's outdoor lifestyle. What this has given me is more energy, more diversity of challenge and far too many new ways to spend time and money.

I rebuilt the collection strategy across Australia & New Zealand, which lacked flexibility in dealing with the customer. I also focused on closing gaps in process and understanding the inventory & direction of the portfolio in arrears. I led both Melbourne & Auckland teams to optimise for efficiency and oversight of collections strategy. I acted as the Risk Leader on the NZ leadership team, and acted as the company representative on business and regulatory bodies. Achievements:Reduced final loss ($48M over 3 years)Sold and reduced ineffective portfolios ($3.6M sale profit, 3-5% monthly reduction in non profit portfolios)Reduced collection cost ($2M+ reduction per year)Changed dynamic of ‘chasing customer’ outbound activity to inbound and more customer friendly responsive channels

Watford, United Kingdom

Working in GE UK Home Lending I developed portfolio strategies and problem solved across all areas of the business. I worked along side other senior business leaders to develop business change and provide thought leadership on improving Risk & Operations, compliance, audit and regulatory challenges. I developed, supported & provided leadership on over 160+ initiatives throughout 2011-14. I created an expanded tool set for the mitigation of final loss & risk controls, producing strong positive dollar benefit to the P&L.I was also involved in providing best practice & corporate reviews across GE businesses in multiple EU countries.I was the Operations & Risk go to person for all planning, assumption reviews and modelling, helping to develop growth, operational and performance plans over 5 year horizons. Enjoying variation in my role I got to apply my problem solving skills to such diverse items as incentive payment schemes, opex stretches, and delinquency and cash forecasting, policy, campaign selection and champion challenger strategies.Achievements:$463M loss turn around during GFC through collection improvementsRisk lead on $4bn asset saleEmergency 3+ month assistance to GE Russia to aid local business prior to sale.

Watford, United Kingdom

Prior to the Global Financial Crisis (GFC) I was the Risk management lead for synthetic securitisation project and capital management purchases / sales, this was designed to improve leverage / economic capital for the UK mortgage business. In 2008 I was grouped together with a handful of key individuals that were tasked with tackling the challenge and impact of the GFC on GE's largest subprime mortgage portfolio outside of the USA. In that time I worked across many functions and helped develop the strategies and practical solutions that cut projected economic losses in half and ensured that at no time did the business fail to make quarterly profit.I refined the portfolio's back book and hardship policies to provide coverage of all possible solutions to the widest potential customer base. I also created a customer payment / arrangement framework for collections, alongside the building of suitable performance and control metrics for front line agents and senior management.

Harrow, United Kingdom

Following working as an independent contractor for GE I was asked to join as a permanent employee and established a new function within risk management. The teams remit was to optimise the back book portfolio through the use of; capital markets, economic capital allocation, and ensuring that suitable reserves and loss mitigation insurance was in place.

Watford, United Kingdom

I worked as a freelance contractor covering economic capital / Basel 2 accord & developing the day’s late reporting and controls. Worked the full project lifecycle from inception & requirements, active technical solution to post delivery controls & monitoring.

Harrow, United Kingdom

Over an eight year period I worked within First National Bank, starting as an analyst in the audit function. Within the first year I, along with several others, was tasked with creating a Risk & Assurance function to deal with the expanding requirements of a growing financial services company. During this growth I covered such diverse areas as op risk, disaster recovery, credit & capital risk, propensity modelling, operational controls. I also spent time within the IT function acting as a project manager and eventually heading up the management information / business intelligence department which helped build the reporting and control structures for the core monitoring of business performance across the whole of the First National Group (23 companies).