Hallie T.
Unsecured Credit Risk Manager - Innovation, Loss Forecasting & Pricing @Virgin Money
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WORK HISTORY
Unsecured Credit Risk Manager - Innovation, Loss Forecasting & Pricing @Virgin Money
Manchester, GB
Transitioning as at end of 2025 into the world of loss forecasting. Using my ACCA qualification to bridge the gap between credit risk and finance deliverables. Leading a team of 3. Responsible for loss curves as part of the wider behavioral refresh process to update pricing models. Reporting on impairment, provision, expected loss figures compared to plan; understanding drivers of component parts.Responsible for introducing transactional data based expenditure modeling to the bank, resulting in a viable challenger model, and use cases in assurance.Deployed out to varying projects including focussing on collections oversight, making use of income and expenditure (I&E) data to support appropriate customer outcomes. Also supporting other department wide objectives including documentation, maintainence, and coordination of management information (MI).Learning Python and use of Jupyter Notebook following a brief stint of Python work in my previous role making use of Visual Studio Code.Beginner user of Experian’s Ascend platform and of Equifax’s Ignite platform.
EDUCATION
The University of Edinburgh
Post Graduate Diploma, Pure Mathematics
University of Leeds
Master of Science (MSc), Finance & Investment
Fairfield University
Bachelors of Science, Mathematics
Christie's Education
MLitt, The History of the Art World & Art Practice
Masuk High School
High School Diploma
Association of Chartered Certified Accountants (ACCA)
ACCA, Accounting
ABOUT HALLIE T.
I am a true statistician who believes in global collaboration to achieve the best results. I contribute technical modelling and statistics skill to the finance industry as well as the healthcare industry. I am currently working at Virgin Money as an unsecured credit risk manager of innovation. I have a background in Secured Credit Risk, New Lending Strategy, and PowerCurve, specialising in affordability model management from Skipton Building Society, with niche experience also obtained from my secondment in the Treasury Accounting team. I am an ACCA qualified accountant and I pride myself on working in risk management, whilst understanding the impact to an organisation’s accounting and reporting.Whilst working at 4most, I was able to develop my reputation as an industry expert of affordability modelling, using complex transactional data, as well as the more standard ONS type of approach. And combined with some exposure to working with business banking data, learning risk based pricing methodologies, and understanding the basics for lifetime probability of default (PD) modelling - this has given me a solid grounding to progress my career in the credit risk field. I am a proud speaker, supporter and delegate of the Edinburgh Credit Scoring and Credit Control Conference 2023 and 2025. I also produce statistics for publications in the field of neuroscience in my spare time. However, I mainly contribute to the field by way of peer reviews more recently. As an academic, I am affiliated with the Norwegian University of Science and Technology dreams and goals are huge but I know that my skills alongside my values are enough to make a difference in the world. Be the change you want to see in the world!
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