Dan Kellett
Director of Lending and Data Analytics @Carmoola
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WORK HISTORY
Director of Lending and Data Analytics @Carmoola
London, GB
Lead cross-functional data science & analytics across credit, fraud, and customer insights; steward the decisioning roadmap- Shipped real-time credit decisioning and fraud controls that cut time-to-decision and lifted approvals by 10% at stable risk- Introduced experiment/measurement framework (A/B + causal methods) to prove value- Established model-risk & explainability standards with monitoring/challengers- Partnered with Engineering to modernise the data platform, define and implement AI strategy- Built and grew the analytic team; improved hiring funnel for critical skills.Context: supported a digital motor-finance journey serving 10k+ customers; operated across millions of interactions.
EDUCATION
University of Nottingham
Bachelor of Science (BSc), Mathematics
SKILLS
ABOUT DAN KELLETT
I build data-driven decisioning that moves P&L in financial services. At Carmoola I lead Lending & Analytics, partnering across product, risk, and engineering to ship real-time underwriting, fraud prevention, and insights that make getting on the road faster, fairer, and genuinely customer-first.My remit spans data science, analytics, and platform enablement—experiment design, model risk/explainability, and the plumbing that makes trustworthy AI repeatable (feature store, lineage, quality SLAs, monitoring). I focus on outcomes: shorter time-to-decision, higher approval rates at stable risk, lower fraud losses, and lower cost-to-serve.Highlights include operating at “millions of interactions” scale, supporting a seamless digital journey in motor finance, and growing a high-performing, cross-functional team. If you’re balancing speed with governance and want data products that prove their value in the numbers, let’s talk.
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