Jon-P User

Led quality control reviews across all underwriting teams, ensuring decisions comply with credit policy, regulatory standards, and commercial objectives. Conducted detailed root cause analysis on defaulted cases to identify emerging risks, fraud typologies, and operational weaknesses.

Managed a team of underwriters making decisions across UK and US markets, performing regular quality control audits and implementing corrective actions. Partnered with the fraud team to refine assessment models and improve risk detection.

Played a key role in forming a dedicated fraud function and designing prevention protocols, improving onboarding and AML processes. Supported the development of regional credit policies and tailored credit scoring models.

Assessed SME funding applications, applying sound underwriting judgement in line with policy. Made recommendations on loan size, duration, and pricing based on affordability and risk profile.

Conducted market and customer research to generate actionable insights. Delivered findings to senior management to support strategic decision-making.

Managed external partnerships and negotiated improved commercial terms. Collaborated with fraud and credit teams to assess risk by acquisition channel, improving broker conversion rates by 40%.

Maintained a delinquency rate below 1%, outperforming team benchmarks. Trained junior underwriters who consistently exceeded mandate expectations.

Negotiated commercial deals to increase profitability per sale. Maintained a strong sales pipeline and consistently achieved sales targets.

Delivered consistently low delinquency rates across lending products, underwriting loans, overdrafts, and credit cards. Participated in pilot projects to trial new underwriting processes.

Completed a comprehensive curriculum in Biology, focusing on fundamental scientific principles and research methodologies. Gained a strong understanding of biological systems and analytical skills.