Sage Jarrow Young
Group Head of Operational Insights and Outcomes @OSB Group
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WORK HISTORY
Group Head of Operational Insights and Outcomes @OSB Group
London, GB
Leading a high-performing team across both the UK and our wholly owned subsidiary in India, I drive strategic insights and measurable outcomes to enhance operational efficiency. Executive Committee Collaboration – Work closely with the Executive Committee on strategic projects spanning both the first and second lines of defense. Regulatory Engagement – Maintain regular interaction with the PRA and FCA, ensuring compliance and alignment with regulatory expectations. Modernisation Program – Play a key role in driving our transformation initiatives, enhancing operational resilience and efficiency. Data-Driven Decision Making – Leverage analytics to optimize business performance, identify trends, and inform leadership strategy. Operational Excellence – Streamline processes and implement best practices to improve productivity and reduce inefficiencies. Cross-Border Team Leadership – Manage and mentor a diverse team, ensuring seamless collaboration across international operations. Performance & Risk Analytics – Monitor key business metrics to assess risk exposure and drive proactive interventions. Stakeholder Engagement – Partner with senior leadership to translate insights into action, supporting data-led decision-making.Passionate about driving continuous improvement, regulatory alignment, and delivering tangible business outcomes through insights and analytics.
EDUCATION
University of South Africa/Universiteit van Suid-Afrika
Mathematical Modeling of Derivatives
St Benedicts College
Matric, History
University of Johannesburg
Hons Investment Management, Risk Management
University of Johannesburg
B.Com Finance, Investment Management
University of Johannesburg
Master’s Degree, Investment management
SKILLS
ABOUT SAGE JARROW YOUNG
A British-South African financial services professional.A subject matter expert in unsecured and secured lending. I have a proven record of delivery within the regulated and non regulated financial service industry in the United Kingdom and South Africa. Some initiatives include: bank transformation, risk score card development, MCOB compliant affordability assessment, automated application Fraud and AML screening, climate peril assessment, credit portfolio management. Deep experience with the design and operationalisation of innovation within credit risk strategies (manual and automated) throughout the lending life cycle with direct reporting lines into the C Suite for the past 9 years. My key competencies include: Prudential Regulation, Credit Bureau Data Management and Decisioning, Lending Operational Processes, Consumer Affordability Assessment Strategy, Climate Risk Assessment, Credit Application Fraud Risk Detection Processes, Forward Looking Management Reporting, Macro Economic Assessment, Stress Scenario Testing, Risk Appetite Setting and and expert within Credit Strategy, Policy and Assurance, Open Banking, Digital Customer Application Journey Solutions, climate risk assessment and climate risk management. Keen interest in: Fintech and Neotech Banking Architecture, Artificial Intelligence, Machine Learning, Python and R within the banking context.
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