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Tim Daly has extensive experience in risk management, currently serving as Associate Director of the Risk Practice at 4most, where contributions include leadership in resource management and operations. Prior roles include Senior Risk Analyst at Centrica, focusing on home move acquisition strategy and transformation, and significant experience at The Co-operative Bank plc, where Tim led various secured collections and reporting projects. Earlier positions at Santander Cards UK Limited and The Lewis Group Ltd involved developing recovery strategies, while foundational skills were honed at Express Gifts Ltd. Tim holds a BSc in Mathematics, with a focus on Statistics, Finance, and Operational Research, from Liverpool John Moores University.