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Tom Williams is an accomplished Senior Manager at Vanquis Bank, specializing in Portfolio Profitability Modelling since April 2014. With a demonstrated history of embedding NPV modelling across various business teams, Tom leads a team of analysts to enhance profitability modelling for multi-product offerings, including cards and loans. Previous roles at Vanquis included Manager of Strategic Analytics, where Tom delivered the first generation NPV model and implemented risk-based pricing strategies. Early career experience as a SAS Consultant at Sopra Group involved significant projects with Barclaycard and RBS in credit risk analytics and data migrations. Tom holds a BEng (Hons) in Computer Interactive Systems from the University of Birmingham and A Levels in ICT and Geography from Queen Elizabeth's Grammar School.