Board-level General Manager, Intrapreneur and Change Agent. Responsible for three complete Retail Financial Services business model and proposition transformations. Inventor and successful launcher of more than 50 consumer and B2B product / service propositions for leading multi-channel brands both in the UK & globally.
I am a commercially astute General Manager, with a proven track record in delivering P&L performance, market-entry strategies and consumer & B2B propositions with cut-through.
I am an expert in driving immediate step change in business performance using firstly commercial instinct to quickly evaluate key commercial levers (distribution, marketing, pricing, customer experience, proposition) then through rigorous research and insight (segment unmet needs, branding, positioning strategy, price benchmarking) to create compelling, market-leading, propositions. I have also been an advisor on Innovation to UK Parliament, HM Treasury and the Home Office.
My industry expertise includes Retail Banking, Savings & ISAs, Consumer Finance, Currencies & Money Transfer, Investments & Direct Platforms, Retirement Solutions (Equity Release, Funeral Plans, Care), General Insurance, Life & Protection, Mobile & Online Payments, e and m-Commerce, SME & Commercial Banking, Credit & Prepaid Cards, Corporate Banking & Asset Finance. I have also created and launched propositions in Retail, Utilities, Media, Travel, Transport and Telecoms.
Core Strengths: General Management; Commercial P&L Management; Innovation & Proposition Development; Customer Insight; Customer Experience; Segmentation Strategy & Development; Partnership Relationship Management; Deal Negotiation & Business Development; Mergers & Acquisitions; Business Strategy & Strategy Planning; Pricing; Distribution Strategy; Brand Strategy; Tender Management; Programme Management & Transformational Change.