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Richard Sharratt has a diverse work experience in the financial and banking industry. Richard started their career as an Underwriting Analyst at Funding Circle UK in August 2017, where they worked until September 2018. Richard then took on the role of Credit Quality Control Analyst at the same company, working until December 2019. In January 2020, they became a Data Scientist at Funding Circle UK, a position they held until January 2021.

Afterward, Richard joined Aldermore Bank PLC as an IRB Oversight and Validation Analyst in January 2021, and worked until January 2022. Richard then moved to Cabot Credit Management, where they began as a Data Scientist in January 2022 and was later promoted to Senior Data Scientist in September 2022. Richard worked at Cabot Credit Management until February 2023.

Most recently, Richard joined Atom bank in April 2023 as a Lead Credit Risk Modeller.

Richard Sharratt attended Kingston University from 2013 to 2016, where they completed a Bachelor of Science (Honours) degree in Financial Economics.