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Sandy Gowen is an experienced finance professional with a strong background in credit management and mortgage services. Currently serving as the Head of Credit at J. Safra Sarasin since May 2023, Sandy previously held positions such as Head of Credit and Mortgages, and Senior Credit Officer at Turicum Private Bank from November 2019 to July 2023. Additional experience includes roles at Jyske Bank as a Mortgage Advisor and Senior Relationship Manager, credit analysis at Barclays Wealth Management, and mortgage sales management and customer advisory at HSBC. Sandy's educational background consists of ongoing studies in Data Science at The Open University, along with various qualifications from the London School of Business and Finance and a degree obtained from Birkbeck, University of London.