Apr 2024 - Present
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Robert Cottingham Email & Phone Number
Credit, Risk Management & Decisioning Services.Chief Risk Officer | MLRO at SALT (SMF 16 & 17).Founder at RobCap Ltd - a Property Investment Company
at
SALT
1 work email found
@toyota.com
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✓ Verified Jul 2026
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Current company
Role
Credit, Risk Management & Decisioning Services.Chief Risk Officer | MLRO at SALT (SMF 16 & 17).Founder at RobCap Ltd - a Property Investment Company
Location
Milton Keynes, England, United Kingdom
Who is Robert Cottingham? Overview
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Quick answer
Robert Cottingham is listed as Credit, Risk Management & Decisioning Services.Chief Risk Officer | MLRO at SALT (SMF 16 & 17).Founder at RobCap Ltd - a Property Investment Company at SALT, based in Milton Keynes, England, United Kingdom. AeroLeads shows a work email signal at toyota.com and a matched LinkedIn profile for Robert Cottingham.
Robert Cottingham previously worked as Chief Risk Officer and MLRO at Salt and Company Director at Robcap Ltd. Robert Cottingham holds Artificial Intelligence Programme from Saïd Business School, University Of Oxford.
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{first}_{last}@toyota.com
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Profile bio
About Robert Cottingham
Highly experienced, commercially astute global risk and decision science professional whose key focus is to create value in First and/or Second Lines of Defence through a One Team approach.Presently, Chief Risk Officer and Money Laundering Reporting Officer for Salt Money Ltd - an exciting UK marine finance fintech start-up.Also, founder of RobCap Ltd, a UK property investment company with creative solutions seeking high yields through the use of deal analysers and multiplier models, underpinned by risk management due diligence techniques.Previously, providing advisory service to an exciting US-based fintech start-up in a niche commercial lending space with exponential potential.In 2023, worked for a superb award-winning, authorised, well-established UK fintech bank on the development from ground up of a European credit target operating model as part of a broader, fast-growing payments service offering with plans to expand internationally. Supporting acquirers, banks, crypto and digital asset platforms, fintech, pre-regulated and wealth tech institutions.Previously, Chief Credit Officer reporting to the Executive Chairman, and on the Board of an innovative; forward-thinking organisation whose mission was to improve the quality, and reduce the cost, of dispute resolution for all parties through the use of fintech and legaltech. Prior to which advising a fintech firm on policy development; on the expert panel of an award-winning fintech software house, and an advisor to an FCA-regulated software platform offering on-demand investment banking services to institutional investors.Completed an Oxford University Said Business School FinTech Programme in August 2020 and their AI Programme in February/April 2024 - the latter with a 95.1% pass mark.In May 2024, completed a CPD accredited training course in value creation through property investment, and presently receiving continuous Advanced Training over a fifteen-month period from Touchstone Education, including 121 tutorials; regular Q&A sessions with expert input; deal clinics and networking events.
Listed skills include Risk Management, Credit Risk, Management, Strategy, and 18 others.
Current workplace
Robert Cottingham's current company
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13 roles
Robert Cottingham work experience
A career timeline built from the work history available for this profile.
Company Director
Current
Robcap Ltd
Property Investment - Commercial; Mixed Usage and Resi including BRR; flips and BTLs
May 2024 - Present
Company Director
Current
Rob Cottingham Ltd
Credit & Risk Services across the FinTech space
Oct 2011 - Present
Company Director
Current
S-Dice Ltd
Software development company with a focus on smart decisioning in crisis/change/credit environments, including the use of Distributed Ledger Technology.PropTech Decisioning Project in the U.K. Leasehold space under development.
Aug 2020 - Present
Chief Credit Officer
Me Funding Ltd
Included development of strategy; a multi-claim type; multi law firm funding legaltech system and a commercial lending scorecard.
Aug 2020 - Sep 2022
Credit Director
Proud to have developed from scratch - in a demanding and dynamic start up environment - strategy; policy and a decision engine which lay at the heart of the business, a PE backed specialist lender.Board Member of fintech start up, Specialist Lending Ltd, owned by Oaktree Capital ($156bn managed assets globally)Built consumer lending decision engine including credit policy rules and scorecard developmentDeveloped a market leading USP refer rateSteered risk through smart use of data and decision science to hit risk appetiteBuilt new, lean Credit team and rolled out Credit and Fraud Policy, Strategy and Risk AppetiteDeveloped Enterprise Risk Management methodology; risk frameworks, and system recommendation for the business.Additional products development: Purplebricks Payment Services and Solicitors Fee Funding business streams
May 2017 - Dec 2019
Head Of Risk Oversight
Enterprise Risk Management - 'second line' oversight role within the Consumer Credit Division covering Credit, Business Strategy, Human Resources, Legal, Finance and Accounting, Funding & Liquidity, Technology, Operations, Financial Crime, and Source & Supplier risks.
Jul 2015 - Dec 2016
Risk Director - Non-Coo
Part of Senior Leadership Team - enterprise risk management role covering strategy and business development, commercial services, legal, human resources, finance and Link.
Aug 2014 - Mar 2015
Head Of Global Risk
Global role - risk strategy; risk steering; risk management; scorecard strategy; loss provisioning etc - member of Director team - headquartered in Helsinki.
Sep 2012 - Dec 2013
Head Of Credit & Risk - Europe
Full credit policy ownership; risk reporting; new business underwriting; portfolio management; collections and recoveries; loss provisioning for Europe; cross-functional strategic project management etcMember of the European Executive Team.
Aug 2007 - Jun 2012
Risk Manager - International Division
Implementation of risk steering across Europe; Basel II/regulatory adherance; risk strategy; decision support/scorecard development; business continuity planning; process management developments etc
Feb 2000 - Aug 2007
Credit Risk Manager
Responsible for 'cradle to grave' risk management of retail motor portfolio including underwriting; scorecard strategy; customer services; collections; asset management; residual values management; recoveries; write-offs; loss provisioning.
May 1998 - Feb 2000
Senior Credit Analyst/Contracts Administration Manager
Mercedes-Benz Finance
Credit analysis - retail and wholesale - UK portfolioContracts Administration- process management/ payouts/ department restructureLeader re shutting down debis direkt division and handling wind down of supplier agreements and staff redundancies
May 1994 - May 1998
7 education records
Robert Cottingham education
Artificial Intelligence Programme
Oxford Fintech Programme
Prince2 Foundation Certificate & Practitioner Qualified - March 2014, Project Management
Bcs, The Chartered Institute For It
Member Of The Institute Of Credit Management, Credit Management
Chartered Institute Of Credit Management
Cert In Mgmnt Studies (Commendation), Business Administration And Management, General
Associate Of Chartered Institute Of Bankers
Education record
FAQ
Frequently asked questions about Robert Cottingham
Quick answers generated from the profile data available on this page.
What company does Robert Cottingham work for?
Robert Cottingham works for SALT.
What is Robert Cottingham's role at SALT?
Robert Cottingham is listed as Credit, Risk Management & Decisioning Services.Chief Risk Officer | MLRO at SALT (SMF 16 & 17).Founder at RobCap Ltd - a Property Investment Company at SALT.
What is Robert Cottingham's email address?
AeroLeads has found 1 work email signal at @toyota.com for Robert Cottingham at SALT.
Where is Robert Cottingham based?
Robert Cottingham is based in Milton Keynes, England, United Kingdom while working with SALT.
What companies has Robert Cottingham worked for?
Robert Cottingham has worked for Salt, Robcap Ltd, Rob Cottingham Ltd, S-Dice Ltd, and Me Funding Ltd.
How can I contact Robert Cottingham?
You can use AeroLeads to view verified contact signals for Robert Cottingham at SALT, including work email, phone, and LinkedIn data when available.
What schools did Robert Cottingham attend?
Robert Cottingham holds Artificial Intelligence Programme from Saïd Business School, University Of Oxford.
What skills is Robert Cottingham known for?
Robert Cottingham is listed with skills including Risk Management, Credit Risk, Management, Strategy, Banking, Portfolio Management, Change Management, and Leadership.
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