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Mike Abraham is an experienced professional in credit risk management with over two decades in the financial sector. Currently serving as the Head of Credit Risk at Secure Trust Bank plc since March 2011, Mike oversees credit strategy for various lending products and has responsibility for the entire credit lifecycle and the implementation of IFRS9 risk models. Previous roles include Head of Risk at Creation Financial Services, Head of Compliance and Risk at Moneyway, Risk Manager at Secure Trust Bank PLC, and Credit Development Officer at GUS. Earlier in their career, Mike held positions at Associates Capital Corporation as a Credit Risk Analyst and Senior Underwriter/Team Leader. Educational credentials include a degree from The Manchester Metropolitan University.