Niamh Devitt Email & Phone Number

London, England, United Kingdom

London, England, United Kingdom

• Developed and implemented a pricing and limit strategy using a life-time value model for the UK lending business
• Managed a team of 3 receiving 100% engagement scores in annual surveys and all team members reaching promotion under my management
• Implemented pilots to optimise credit strategy, taking into account performance analysis and customer impact, reducing customer complaints and improving profitability
• Managed the wind-down of our regulated portfolio; engaging with… Show more
• Managed the wind-down of our regulated portfolio; engaging with business stakeholders and creating communication strategy for customers
• Developed a limit strategy and credit trigger process for the US lending business, a less mature portfolio to proactively manage credit risk on the book

London, England, United Kingdom

• Developed an existing-market loan pricing strategy to drive profitable growth of Vanquis Loans leading to a c.30% uplift in booked volume
• Developed an open-market loan pricing strategy, balancing commercial and customer needs as a new proposition which was a key strategic goal for Vanquis 2021
• Conducted performance analysis on a balance transfer product, my analysis and recommendations were presented at Exco-level resulting in the product being taken out of “test” and made a BAU… Show more
• Conducted performance analysis on a balance transfer product, my analysis and recommendations were presented at Exco-level resulting in the product being taken out of “test” and made a BAU product
• Conducted commercial analysis of short-term growth opportunities for credit cards in post-covid time
• Implemented a price testing framework to ensure effective structure, monitoring and learnings from price A/B tests

London, United Kingdom

- Developed a Loans Net Present Value model to assist development of credit risk and pricing strategy- Use of Credit Card NPV model to provide insight and guidance to new business teams- Liaising with key stakeholders; finance, credit risk and commercial teams to refresh key value driver inputs into the NPV model - Upskilling stakeholders and junior team.

London, United Kingdom

• Created a client networking tool that significantly improved prospecting efficiency and enabled targeting of new clients effectively
• Conducted customer segmentation analysis to inform development of customer proposition, resulting in tailored offerings and enhanced customer satisfaction
• Collaborated in an innovation sprint focused on optimizing the estate planning product, contributing to future-proof solutions for clients
• Conducted research on front-line staff productivity… Show more
• Conducted research on front-line staff productivity, providing valuable insights for workplace planning and optimization Show less

London, United Kingdom

- Executed top-down credit risk stress testing results under tight timelines- Developed and validated both retail and wholesale credit stress testing models- Provided review and challenge of results including portfolio deep dive and benchmarking analysis- Presented credit risk stress testing results to senior management and business stakeholders focusing.

Whitaker Square, Sir. John Rogerson's Quay, Dublin 2, Ireland

I worked in the Energy Policy Research Centre within the Economics Analysis Division.Energy:Analysed census data to determine economic impact of building energy ratings, contributing to a report informing Irish energy policyAnalysed Consumer Behavioural data from a smart metering trial to investigate the impact of various treatments on energy.

Spencer Dock, Dublin 1, Ireland

My role involved;- the efficient collection, compilation, quality checking and transmission of data to the ECB, CSO and IMF.- liaising with credit institutions ensuring understanding and compliance with ECB Statutory data requirements. - critically analysing monthly/quarterly reports and tables to be published compiled from our data. - manipulating.

Cloghran, Co.Dublin

I taught weekly dance and drama classes to children aged 4 to 16 years.In addition to weekly classes was the preparation of an annual showcase. This involved preparing up to 80 students for performance; getting costumes, writing scripts, organising and running extra rehearsals and collecting payments.I also prepared students for drama examinations.

I.I.I.S, Trinity College Dublin, College Green, Dublin 2.

In my final undergraduate year I secured two internships with Prof. Philip Lane from June to August and Prof. Kevin O'Rourke from September to September assisting them on their research projects. This involved data collection and manipulation.

Master Of Science (Msc), Behavioral Economics

Activities and Societies: Dance society Dissertation titled "Trust, Reciprocity and Community Based Organisations, An analysis of.

Bachelor Of Arts (B.A.), Mathematics And Economics, 2.1

Activities and Societies: St. Vincent de Paul (VdP) Economics courses in Microeconomics, Macroeconomics, Quantitative Methods.