David is an acknowledged expert in retail lending, with experience at many leading credit providers around the world. He is a Harvard graduate, Fellow of the Royal Statistical Society, and has published 3 books and 20 cited articles on credit. He has also been the MD of a technology consulting firm that enables companies to keep up with fast-paced changes and emerging technological trends.
For the last 18 years, David has been an independent consultant addressing the challenges of strategy, operations, risk management, and change delivery. Engagements have resulted in targeted training to upskill the workforce, process re-engineering to remove waste, improving customer service, and solving the most important problems faced by firms across the globe.