Steven Upton Email & Phone Number

London, Gb

London, England, United Kingdom

Head of two teams (>10 people), - Client Analytics for Banking and Ignite Apps product development.Client Analytics* Comprised of analysts and consultants, together we work with some of the UKs biggest and fastest growing banking clients to provide consultancy and bespoke credit risk, fraud, affordability or open banking analytics. * Collaborate with the Sales team to identify new business and then provide expert knowledge about Equifax data and analytical services to define work and costs and write proposals.* Allocate and manage resource within the team to meet client demands and revenue targets successfully. * Detailed knowledge of credit reference agency data, credit risk analytics and the lending market.* Regular and active member of several Data & Analytics department leadership team forums and councils. Successfully petitioned the Analytics Council to launch a project to create a new analytics mart to revolutionise how data for analytical purposes is stored. Ignite Apps* Design and create web-based management information tools for clients, such as industry benchmarking reports. * Manage java, html and visualisation engineers to develop and maintain the 'apps'; they are spread internationally across India, UK and South America. * Collaborate with the product manager to shape and then follow the roadmap.* Since taking ownership of the team, a key achievement includes redesigning and adding features to the benchmarking reports so that they provide greater insights, resulting in multiple new customers.

London, England, United Kingdom

London, United Kingdom

Manager of a team of 4 senior analysts and junior consultants with responsibility to manage their workloads and develop their technical and soft skills alongside my individual contributions. Regularly lead project teams, being responsible for overall delivery timescales and quality as well as my individual and other team member contributions.Decision in Principle analysis (incorporating policy rule analysis and scorecard builds) for HSBC Business Banking credit applications. The resultant tool was recognised by UK government's Competition & Markets Authority as the most sophisticated in the market. Bespoke analyses for large UK banks; including application scorecard development, industry sample design, open banking transaction data analysis, automation of referrals, independent validation of scorecard builds and proof of concept analysis of new scores and products. Delivery includes either face-to-face or conference call presentations to clients.Exposure to all major types of credit on consumer and SME lending: credit cards, personal loans, mortgages, current accounts and motor finance. Attend pre-sales meetings and business reviews between clients and account managers. Gather requirements for opportunities, compose written proposals with pricing and present to directors and department heads of new and existing clients to bid for new work contracts.Created dashboards and client information packs using Tibco Spotfire and IronPython, based on data from a Hadoop environment extracted using Hive or Impala SQL.

Chester / London, United Kingdom

Built behaviour scores and application scores for UK credit cards using internal, Experian and Call Credit data.Lead analyst in behaviour score rebuild project, leading a team of analysts and managing relationships with key business partners.Built CHAID model to assist in risk adjustment of pricing offer at point of application.Carried out analysis into performance of existing models to determine whether any rebuild or realignment is needed.Created, maintain and review numerous model monitoring reports.Exposure to Basel (IRB) capital models.

Chester

Senior analyst with the Management Information area of the Credit Risk division. Responsible for designing and creating key risk management reporting before handing over to report production areas. Carried out various analysis projects to investigate emerging trends. Regularly presented to senior managers with information on business performance.

Msc, Finance, Mathematics, Computer Science, Distinction

Bsc, Mathematics, Computer Science, First Class