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Colin N. is an experienced professional in credit risk management and engineering, currently serving as Lead Credit Analyst at Vanquis Bank since June 2022, focusing on enhancing customer affordability journeys. Prior to this role, Colin N. worked at Barclays from May 2017 to June 2022 as a Credit Risk Manager, where responsibilities included optimizing risk policy for unsecured loans and credit card portfolios, utilizing analytical tools, and implementing strategies that successfully expanded customer access. Colin N. has also held positions at Banco Santander as a Risk Analyst and at Transport for London as an Assistant Project Manager, where collaboration with engineers and data analysts was key to project implementation and performance assessment. Earlier roles at Mouchel Group PLC covered various engineering and project management functions, contributing to significant engineering rollouts, including the London Underground's cooling systems project. Colin N. holds an MSc in Engineering and Business Management from King's College London and a BEng (Hons) in Mechanical Engineering from The University of Manchester.