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Nick Brown is a seasoned professional in credit risk management, currently serving as Senior Manager of Group Retail Credit Risk at Principality Building Society since July 2013. Previous roles include Senior Risk Manager at EUI Ltd (Admiral Insurance Group), Head of Risk at Stroud & Swindon Building Society, and various Head of Credit Risk positions within Barclays UK Secured Lending. Additionally, experience includes Credit Risk Manager at Lloyds TSB and Senior Credit Scoring Analyst at Standard Chartered Bank. Nick Brown holds a degree in Economics, Econometrics, and Business Economics from Cardiff University, completed between 1990 and 1993.