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Ross Molden has extensive experience in credit risk management, having held senior positions at notable financial institutions. Ross serves as Risk Director (2LoD) at Vocalink International Limited and previously worked as Head of Credit Risk at Fly Now Pay Later. Leadership roles included Director of Credit Risk at Parker Fitzgerald and Credit Risk, Recoveries Lead - Director at Lloyds Bank. Ross also led Collections & Recoveries Strategy at NewDay. Educational qualifications include a focus on Credit Risk Modeling in Python obtained in 2020 and studies at the University of Oxford from 2018 to 2019.