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David Wishart is an accomplished financial professional with extensive experience in risk management and credit operations. Currently serving as Chief Risk Officer at Sainsbury's Bank, David also contributes as an Independent Member of the Finance, Grants and Investment Committee at Fair4All Finance. Previous roles include various directorial positions at Lloyds Banking Group, where David managed retail credit and mortgage credit risk, and served as Chief Operating Officer for Retail & Consumer Credit Risk. David's expertise is further backed by roles at Sainsbury's Bank and Lloyds TSB, focusing on consumer lending and personal loans. Academic credentials include a Master's degree in Mathematics from the University of Oxford and a Master's degree in Operational Research from Lancaster University.