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Stephen Short is an experienced underwriting and finance professional currently serving as an Underwriting Manager at Tandem Bank since October 2023. Prior to this role, Stephen held the position of Underwriting Manager at Admiral Money, where responsibilities included managing a team focused on unsecured personal loans and motor finance, as well as contributing to the establishment of a Financial Crime team. Stephen's career spans multiple organizations, including Opel Vauxhall Finance, where management of Recoveries and Fraud & Trace teams was undertaken, and GM Financial, where significant contributions to Consumer Quality Control across European and Latin American markets were made. Stephen began in the industry with roles at Lloyds Banking Group and local councils, building a solid foundation in credit analysis and debt recovery. Stephen holds a BTEC in Business & Finance from Coleg Gwent.