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Ronald Turnbull is an experienced professional in operational change and strategy leadership, currently serving as the Head of Strategy & Delivery at Vanquis Bank since January 2018. In this role, Ronald leads a team of business change experts, focusing on managing operational change, process improvement, and regulatory compliance. Prior to Vanquis Bank, Ronald held various senior management positions at HSBC from November 2005 to December 2017, including Senior Manager Operational Governance and Head of Service Improvement, where responsibilities included overseeing outsourced processes, leading continuous improvement initiatives, and executing significant infrastructure projects. Ronald's expertise also encompasses debt operations and client relationship management, demonstrating a strong background in driving change and delivering results across diverse business environments.