Tony Bird Email and Phone Number
Perth, WA, AU
Tony Bird's Location
Greater Perth Area, Australia, Australia
Tony Bird's Contact Details
Tony Bird work email
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Tony Bird personal email
n/a
Tony Bird phone numbers
About Tony Bird
I have been working in the banking & finance industry for 25 years predominantly in credit risk, collections & portfolio management. My strength is bringing creative, data driven solutions to safely grow retail portfolios. I develop strong relationships with internal & external partners to maximise profit after capital charge. My management style is collaborative and focussed on achieving ambitious targets.
Tony Bird's Current Company Details
Tony Bird Work Experience Details
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Chief Risk Officer (Cro)Afg Australian Finance GroupPerth, Wa, Au
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Chief Risk Officer (Cro)Afg Australian Finance Group Oct 2018 - PresentWest Perth, Wa, AuManagement of AFG Risk and Compliance -
Chief Risk OfficerPioneer Credit Limited Feb 2016 - Sep 2018Perth, Wa, AuMy role is responsible for optimising the risk reward tradeoff. This is done by examining data and using modelling techniques in support of superior operational strategy. Risk is also responsible for ensuring we meet our regulatory commitments. Through investment in compliance we can act as brand guardians, ensuring we safely manage the reputations and values of our vendor partners. As Pioneer Credit deepens the relationship with it's rehabilitated existing Customers we will apply the company's leadership principles to expand our product offerings. Again, the use of data in a compliance focussed organisation will ensure we deliver a superior result for our Customers and other stakeholders. -
Banking And Risk ConsultantNext Level Recruitment And Consulting Nov 2015 - Jan 2016Providing banking consultancy with specialisation in credit risk and collections strategy.
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Head Of Investigations & Management InformationCommonwealth Bank Jan 2015 - Oct 2015Sydney, Nsw, AuMy role involved leading 2 teams delivering remediation & investigation analysis of mis-selling & conduct risk events. This role also Initiated modelling to identify conduct risk across multiple retail distribution channels. We also created new metrics for inclusion in the Risk Appetite Statement and a framework to identify emerging conduct risk issues. -
Head Of Collections StrategyCommonwealth Bank Jul 2013 - Jan 2015Sydney, Nsw, AuMy role lead a team of professional Risk personnel in managing collections strategy at CBA. We sought to optimise the NPV to the Bank by testing strategies balancing loan impairment, opex & Customer experience. We worked closely with our business partners in Collections to ensure that the engagement between Risk & Collections delivers superior results.
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Head Of Retail Credit RiskBankwest Mar 2008 - Jun 2013Perth, Western Australia, AuMy role covered end to end credit cycle decisioning for all retail products. Our goal was to maximise risk adjusted revenue so that Bankwest could grow profitably. In addition we also managed fraud analytics to leverage data driven excellence across the Risk family. -
Executive Manager Cards / Executive Manager Collections StrategyCommonwealth Bank Of Australia May 2005 - Apr 2008Sydney, Nsw, AuMajor ResponsibilitiesCredit risk management of AUD $7+b cards receivables.Implementation of credit systems upgrades & new credit risk models.Ownership of Net Bad Debt Plan AUD $150m.Collections strategies across all retail consumer products.MIS to link collections performance directly to bad debt results.Risk liaison to Collections operations.Negotiation & analytics for consumer debt sales.Credit Risk SME for CBA's Collections Transformation Project
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Head Of RiskCitibank Australia Apr 2004 - May 2005Major ResponsibilitiesSetup of Credit Operations (Originations & Collections) for the launch of CitiFinancial Australia in May 2004. Managing 50 staff with 4 direct reports. Responsible for end to end credit cycle performance.Responsible for managing MI production for both Risk & Operations.Forecasting delinquency & chargeoffs.Developed foundation for system capability & future decision science functionality.Position reported to Managing Director with a matrix line to the Regional Head Office in Singapore.
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Portfolio Risk ManagerWestpac/Agc Oct 2001 - Apr 2004Cards Job Summary and ResponsibilitiesRole involves managing credit processes, policies & systems. Key areas of responsibility include:Managing implementation of new scorecardsDeveloping & testing Triad strategies for Line increases, Authorisations & CollectionsProviding monitoring & process enhancement recommendations on all existing credit systems.Credit underwriter training & development.Provide analysis to maximise marketing campaign success.Develop new credit policies in conjunction with Product, Marketing and IT.Maximise risk/reward through portfolio analysis.Key achievementsIntroduction of Customer score to application processing - saving projected at $5m per annumIdentification of population shift in current application scorecards causing additional losses of $1m per month.Initiation of behaviour scorecard realignment saving $1m.Initiation of targeted changes to TRIAD limit increase strategies (recipients).Initiation of Refer & Decline rule rationalisation based on accept rates, good/bad odds & legal issues.Introduction of new scorecard cutoffs & policy rules pending new application scorecards.
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Manager Portfolio Risk ReviewWestpac May 2000 - Oct 2001Sydney, Nsw, AuJob Summary and ResponsibilitiesThis role involved monitoring & consulting for Consumer lending portfolios within the Westpac Group. Portfolios reviewed include AGC Finance (Interest Free Consumer & Motor Retail finance), Westpac Trust New Zealand (Cards & Mortgages), Westpac Margin Lending & Mortgages. Recommendations were made for Originations (APS, Policy, Cut-Off strategies), Portfolio Management (marketing campaigns, authorisations & line management strategies), Collections (Behavioural, policy, systems, structure) & recoveries.Extra Responsibilities & InvolvementsHands on assistance to business units in need.Travelling to various sites within Australia & New Zealand to conduct reviews and make customised recommendations. Involvement in Westpac due diligence work when required -
Consumer Portfolio ManagerAgc Creditline Aug 1998 - May 2000Job Summary and ResponsibilitiesTo provide effective risk management and decision support solutions to complement business and stream objectives. Focus was the effectiveness and relevance of current scoring systems, credit policies and procedures in relation to consumer products. I managed the implementation of 5 new revolving scorecards in April 2000. This included overseeing the data extract, new good/bad definition, risk segmentation, testing & attending the weights engineering meeting; Extra Responsibilities & InvolvementsManagement & coaching of Credit Analysts.Scorecard validation including population stability, score distribution & characteristic analysis.Behavioural Scoring - Providing assistance to the setting of Shadow Limit & Collection strategies.Credit approval of data extracts in marketing campaigns.Customer retention & portfolio management of the AGC MasterCard product.
Tony Bird Skills
Credit Risk
Credit
Financial Risk
Retail Banking
Portfolio Management
Finance
Risk Management
Financial Services
Credit Cards
Loans
Banking
Strategy
Analytics
Analysis
Credit Analysis
Mortgage Lending
Credit Scoring
Stakeholder Management
Relationship Management
Management
Collections
Risk
Operational Risk
Commercial Banking
Leadership
Consumer Lending
Operational Risk Management
Credit Education
Due Diligence
Comprehensive Reporting
Training
Fraud
Forecasting
Mis
Tony Bird Education Details
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University Of Technology SydneyOperations Management -
Brookvale College Of Technical & Further EducationAviation/Airway Management And Operations
Frequently Asked Questions about Tony Bird
What company does Tony Bird work for?
Tony Bird works for Afg Australian Finance Group
What is Tony Bird's role at the current company?
Tony Bird's current role is Chief Risk Officer (CRO).
What is Tony Bird's email address?
Tony Bird's email address is tb****@****.com.au
What is Tony Bird's direct phone number?
Tony Bird's direct phone number is +618932*****
What schools did Tony Bird attend?
Tony Bird attended University Of Technology Sydney, Brookvale College Of Technical & Further Education.
What are some of Tony Bird's interests?
Tony Bird has interest in Children, Environment, Animal Welfare, Arts And Culture, Health.
What skills is Tony Bird known for?
Tony Bird has skills like Credit Risk, Credit, Financial Risk, Retail Banking, Portfolio Management, Finance, Risk Management, Financial Services, Credit Cards, Loans, Banking, Strategy.
Who are Tony Bird's colleagues?
Tony Bird's colleagues are Kelvin Langford, Frank Pace, Nicole Tosev, Suraj Singh, Omid Rahimi, Richard Brown, Peter Everett.
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