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Michael Korendowych is a seasoned professional with extensive experience in decision science and risk management. Currently serving as Senior Manager of Decision Science at Provident Financial Group since May 2016, Michael has spearheaded the development of the Open Banking Strategy and innovative predictive modeling techniques. Prior roles include Decision Science Manager at International Personal Finance Plc, focusing on customer segmentation and credit risk modeling, and Risk Manager at Santander UK Corporate & Commercial, where expertise in credit scorecard development was honed. Michael's career spans multiple organizations, including GE Capital and Damart, with a strong foundation in data analytics, customer behavior modeling, and marketing strategies. Michael holds a Bachelor’s Degree in Philosophy and English Literature from Keele University.