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David Michael is an experienced professional in credit risk and finance operations, currently serving as Senior Manager for Credit Performance & Operations at Three UK since February 2018. David has a strong background in leading analytical teams and implementing forecasting methods, having previously held roles including Senior Performance Manager and Senior Manager of Modelling Analytics at the same company. Prior to this, David owned and directed Whoosh Play Centre, significantly enhancing customer experience and business growth. Earlier positions include Credit Risk Manager and Lead Risk Analyst at Three UK, Senior Risk Analyst at Citi, and Credit Analyst at HFC Bank. David holds a BSc in Mathematics and Information Systems from University College Northampton.