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Graham Johnson is an experienced Collections Team Manager at First Response Finance, where involvement in staff-driven change has led to the development of a customer-centric approach to collections. Prior to this role, Graham served as a Loan Underwriter at Marks and Spencer, focusing on balancing customer expectations with underwriting criteria for credit card and personal loans. Graham's career began at Citi as a Credit Card Underwriter. Educational achievements include a Postgraduate Certificate in Systems Thinking in Practice from The Open University and a BA Hons in International Business Administration from the University of Lincolnshire & Humberside, complemented by an HND in Business from Wigan College.