David Bowles

Founder CRO Grc Consultant Interim Manager @Risk Inc Ltd

Leeds, GB
MOBILE NUMBERS
+91 *********19

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WORK HISTORY

Sep 2009 — Present

Founder CRO Grc Consultant Interim Manager @Risk Inc Ltd

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England, GB

Founder of a specialist professional services company, Risk Inc Ltd. The company delivers risk management and compliance solutions through consultancy support, interim, and contract arrangements. Assignments include- Interim Board Advisor, CRO and Consultant (Pepper Money)- building a regulated Bank and regulated Mortgage provider- Professional Adviser - Pre-authorisation compliance and risk advice to UK challenger bank- Interim CRO: Monzo Bank (formerly Mondo Bank)- UK challenger bank- Interim CRO: Pre-authorisation compliance and risk advice to VC backed UK mortgage lender- Consultant & Interim CRO / Risk Director: Dollar Financial - Enterprise Risk Framework deployment; Operational Risk and Business Continuity; Credit Risk; Analytics; S166 Regulatory remediation; Due Diligence- Interim CRO: Shawbrook Bank - setting up and establishing the bank wide risk management infrastructure and functions- Head of Risk: Allied Irish Bank (Dublin): Re-structure of risk management; Credit Risk SME and Consumer Banking- Interim Group Operational Risk Director, Governance and Assurance: Cattles Plc / Welcome Finance; and- Risk Consultant / Head of Risk (Northern Rock/NRAM/UKAR): Re-structure of risk management in Northern Rock and development of Risk capability.

EDUCATION

1989 — 1993

University of Leeds

B.A. Dual Hons, Economics with Business Management and Administration

SKILLS

Commercial LendingTrade FinanceAnalyticsDue DiligenceChange ManagementBasel IiDebt ManagementManagementFinancial RegulationPortfolio OptimizationMortgage LendingFactoringStructured FinanceFraudCommercial MortgagesCredit ScoringComplianceFundingCredit ManagementMergers & AcquisitionsCredit RiskEnterprise Risk ManagementBusiness TransformationCreditFinancial ServicesAnti Money LaunderingLending SolutionsRisk AnalysisProject ManagementRisk SystemsCollectionsConsumer LendingOperational Risk ManagementFinanceRestructuringBankingRisk ManagementAsset Based LendingPortfolio ManagementLoans

ABOUT DAVID BOWLES

Senior executive with wide ranging experience across UK financial services. A demonstrable and consistent track record of delivering tangible business and risk management improvements through a strategic, pragmatic, innovative and commercial approach. Strong leadership qualities, influencer and transformational change agent. Degree level education, a Member of the Chartered Institute of Credit Management (CICM) and Six Sigma certified. CF approved.Specialties: Retail Banking and non-Banking in Financial Services, Risk Management, Compliance, Corporate Governance, Unsecured and Secured Lending (consumer, business and corporate), Collections and Recovery practices and strategy, Internal Systems and Controls, Internal Audit and Transformation programs.

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David Bowles — Founder CRO Grc Consultant Interim Manager at Risk Inc Ltd in Leeds, GB | Unifers