Stephen Short Email & Phone Number

Cardiff, Wales, United Kingdom

Cardiff, Wales, United Kingdom

Managing a large team of credit underwriters focused on unsecured personal loans and motor finance.Assisted with the creation and management of the Financial Crime team.Grew team FTE from 8 to 21 in 18 months.Improved individual productivity to achieve business volume targets.Implemented succession planning

Cardiff, Wales, United Kingdom

Responsible for the management of the Recoveries, Forward Flow and Fraud & Trace teams.Management of the Recoveries and Fraud & Trace Team Leaders including target setting and monitoring.Ensure Recoveries team recover outstanding vehicles and negotiate special settlements and sustainable payment plans whenever possible to maximize recoveries. Oversee and.

Cardiff, United Kingdom

Managing the Consumer Retail Underwriting team.Working closely with UK and Central Risk to ensure risk and quality guidelines are adhered to. Maximising customer application volumes to support the Vauxhall brand and the dealer network.Focused on customer experience and responsible lending. Responsible for internal, external audit, and Sarbanes Oxley.

Cardiff, United Kingdom

Responsible for Consumer Quality Control across the European and Latin America regions covering 11 markets. Managing a team of Quality Analysts across the GM Financial International Operation as part of the Consumer Risk Controls Team. Involvement in Fraud mitigation and customer acquisition policy, procedure and verification control across the.

Cardiff, United Kingdom

Designed, implemented and established the first Quality Control function in the UK, Sweden and Benelux Operations.Improved and developed the Quality Control function for Germany, Austria and SwitzerlandMentored, coached and supervised Consumer Quality Analysts based in UK and German OperationsPerformed daily sampling and defect monitoring of Consumer.

Cardiff, United Kingdom

Managed the GMAC UK Underwriting team through constant economic changeIn addition managed the On-Line Finance Underwriting team, sub and near prime business for 2 years.Worked closely with UK and IO Central Risk to ensure risk and quality guidelines were adhered to. Developed and implemented the first official versions of the GMAC UK Underwriting Policy.

Cardiff, United Kingdom

Senior level Motor Finance Underwriter for the On-Line Finance area of business.Escalation point and subject matter expert.Trainer, coach and mentor.

Cardiff, United Kingdom

Motor Finance Underwriter for the On-Line Finance business dealing with prime and sub prime business form dealers and brokers.

Cardiff, United Kingdom

Underwriting using various criteria and systems for all HBOS brands and branded third party affinities.Specialist Lending team, dealing with enquiries and complaints (in writing, over the telephone and via e-mail) relating to credit decisions, credit limit increase requests, and decline re-considerationsFully trained in all application fraud procedures.

Cardiff, United Kingdom

• Working in close contact with bailiffs, preparing their daily calls where visits were made to resolve debt, after successfully obtaining liability orders from the Magistrates’ Court.
• Responsible for dealing with enquiries from debtors, over the telephone and by other means.
• Developed ability to deal effectively with potentially volatile situations.
• Enhanced communication and negotiation skills through agreeing and arranging payment terms with debtors of Council Tax, Business Rates, and Community Charge.
• Monitoring the repayment arrangements made, to ensure that agreements negotiated were being adhered to and that everything was running as agreed.

Newport, United Kingdom

• Dealt effectively and efficiently with a wide range of responsibilities in relation to Council Tax and Community Charge Collection.
• Manned the enquiry and cashier office, where a wide knowledge base was essential to answer face to face enquiries concerning Council Tax and other Council related matters.
• Dealt with Council Tax billing, enjoying a high level of autonomy, drawing up arrangements with the public for repayment of outstanding debts.
• Also worked on all related issues, including the processing of arrangements, producing reminder notices, summons issuing, court attendance and production and monitoring of attachment of earnings orders and deductions.