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Matthew Winterflood is an accomplished credit risk professional with extensive experience in the financial services industry. Currently serving as Lead Credit Risk Manager at Metro Bank (UK) since March 2021, Matthew previously held roles at Vanquis Bank, TSB Bank, Barclays, and Nationwide Building Society, where responsibilities included managing affordability risk, supporting customer strategy, and overseeing credit risk for various portfolios. Matthew's academic background includes a BSc in Economics from the University of Southampton, completed in 2011.