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Sophie Bowden currently serves as a Senior Manager Unsecured Credit Risk Strategy at Virgin Money, having progressed through various roles, including Interim Head of Credit Strategies and Risk Strategy Manager, where responsibilities included overseeing New and Existing Account Risk Strategies for the credit card portfolio. Prior experience includes a position as a Financial Risk Specialist at Bank of America, focusing on existing and new account strategies. Sophie Bowden is pursuing a Master of Business Administration (MBA) degree at the University of Chester, having previously earned an MSc in International Strategy and Economics from the University of St Andrews and a BA (Hons) in Economics from Newcastle University, along with additional qualifications in understanding autism.