Nicholas Isaacs
Banking / Loans
Services offered
- Experienced and strategic people leader with a proven track record of developing high-performing talent.
- Accomplished professional (Chief Risk Officer, Chief Credit Officer) with over 25 years of diverse experience in fintech, global multinationals, and smaller businesses.
- Expert in risk management, enterprise risk management, governance, compliance, underwriting, account management, collections, Six Sigma, marketing, financial crime and new product development.
- Excellent communication skills, adept at conversing with both technical and non-technical colleagues and translating technical information appropriately.
Experience
White Oak. Non-Bank Lender to SMEs offering unsecured loans, secured loans, asset finance, and invoice finance. London.
Chief Risk and Compliance Officer, SMF3, SMF16, SMF17 April 2020 – Present
- Chair of the Risk Committee and founder of the Credit Committee.
- Responsible for Enterprise Risk Management, which included risk assessment, controls and mitigation plans.
- Responsible for compliance oversight for regulated and non-regulated activity.
- Delivered the policies, systems, and processes to originate a £390M CBILS (Coronavirus Business Interruption Loan Scheme) portfolio from scratch in six months.
- Developed and implemented a third-party rule engine (Provenir), enabling automated decision-making and achieving MVP rule engine build in four months.
- Established a ‘New Activity Forum’ for IT demand streamlining, ensuring cross-functional alignment and optimal resource deployment.
Future Finance. Private Student Loans. London.
Chief Credit Risk Officer. Sept 2019 – April 2020
- Built a motivated credit risk and business intelligence team across London, Chicago, and Dublin in four months.
- Oversaw policies, procedures, models, and systems for extending private student loans.
Elevate Credit International. Consumer Lending. London.
Vice-President Credit Risk. Dec 2016 – Sept 2019
- Transitioned UK credit risk from the US parent company, building a 12-person UK credit risk team.
- Responded to an FCA investigation, providing credit risk models and strategy assurances.
- Delivered non-linear underwriting models enabling 18% revenue growth in 2018.
- Re-architected the risk decision platform (Provenir) for future growth using Agile software development.
- Managed third-party relationships and supported the company IPO on the NYSE in April 2017.
Premium Credit Limited. Insurance Premium Finance. UK.
Head of Credit Risk. Dec 2014 – Dec 2016
- Led a 50-member Credit Risk department, delivering digitization and automation improvements and originating £4B annually.
- Secretary of the Credit and Counterparty Risk Committee.
- Delivered exceptional portfolio metrics with below-budget net loss provisions.
American Express. London, UK Head of Underwriting. Jul 2012 – Dec 2014
- Underwrote the $18B billings UK consumer portfolio, delivering 15% growth.
- Generated $200M AR through proactive line increase campaigns.
American Express. Amsterdam, The Netherlands. Chief Credit Officer. Jan 2011 – Jul 2012
- Launched consumer lending and migrated the Account Receivable platform.
American Express. Auckland, New Zealand. Chief Credit Officer. Jan 2008 – Jan 2011
- Managed the NZ portfolio through the 2008 recession, driving performance and stemming losses.
- Delivered $24.4M recoveries in 2010.
American Express. Phoenix, USA. Senior Manager, Acquisition Optimization. May 2007 – Jan 2008
- Created performance dashboards for cross-market acquisition budget evaluation.
American Express. Phoenix, USA. Senior Manager, Underwriting. Apr 2003 – May 2007
- Delivered $400M AR in 2005 by optimizing eligibility, segmentation, and line assignment methodologies.
American Express. Brighton, UK.
Risk Manager for EMEA. Sep 2001 – Apr 2003
Six Sigma Blackbelt. Jan 2001 – Sep 2001
Marketing and New Product Development. Sep 1999 – Jan 2001
Graduate Program. Sep 1998 – Sep 1999
Education
- BA (Hons) Business Studies, Sheffield Hallam University, Sheffield, 1998
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