Non-Executive Director / Board Advisor
Cardiff, South Wales
Big Business Experience
Small Business Experience
Firstplus Financial Group
Iain is a highly experienced Financial Services Professional with 30 years of rich adaptable experience and expert knowledge of the UK financial services market, having worked with both established major organisations and new business start-ups alike in both 1st and 2nd line functions and other leadership roles.
He specialises in the delivery of FCA compliant credit and business risk models along with the associated portfolio management and business M.I. frameworks.
Most recently he worked with Starling Bank across the FCA licensing and launch phases of the newly established start-up bank.
- Bachelor of Science (Hons) Mathematics, University of Liverpool 1985
- Prince 2 Practitioner
Key Areas of Expertise
- Credit Application and Behavioural Scorecard, Modeling and Strategy Development
- Credit and Lending Origination and Approval Process Design, including Practices, Policies & Procedures Compliance
- C.A. Conduct, Planning And Licensing Applications
- Collections, Vulnerability and Underwriting Management
- Strategic Planning & Analysis and Portfolio Management & Loss Forecasting
- Business Development and Leadership
30 years of rich adaptable experience and expert knowledge of the UK financial services market, working with both established major organisations and new business start-ups alike.
Held a number of single point Credit and Business Risk related roles through to multi-disciplinary ones encompassing Credit, Compliance, Underwriting, Collections, Operations and Sales.
Experienced at working with traditional and new lending products and delivering them in the ever-increasing Digital Fintech landscape. Both with funding orientated and award winning businesses alike.
Expert understanding of the FCA regulatory environment, including Affordability and Customer Vulnerability along with the expectations and opportunities in the post COVID landscape.
Detailed understanding of the FCA Licensing requirements for new business start-ups and of developing the necessary Policies, Processes and Procedures.
Hands-on experience of new business start-ups from writing business plans, seeking investment, gaining regulatory approval and of actually starting the business with everything from people to premises.
Downside knowledge having experienced firsthand a number of financial downturns and recessions since 1987 Black Monday stock market crash.