Following a PhD in Astrophysics, in 1997 Mark joined Equifax where he lead a team of developers and analysts that advised a closed forum of banks on new techniques and implemented those methods in supported software. In 1999, Mark joined marketing analysis company IMAJ Consulting as a Senior Consultant, before leaving to join Scorex in 2001. For the next 7 years he held technical consultancy roles spanning risk and marketing across Banking, Media, Telecoms and Insurance industries. This gave him a broad experience and a strong delivery focus.

Mark joined Lloyds in January 2008 as Head of Decision Science for Credit Cards and was responsible for all risk related models for the retail credit card business. He managed significant change following the implementation of a new cards processing platform to ensure risk models continued to operate successfully during a very complex transition and integration. More recently Mark was responsible for LBG retail credit risk reporting to the board and external stakeholders across all products (Cards, Loans, Current Accounts and Mortgages). This role lead to a responsibility for delivering all retail data and analysis for bidder management presentations and due diligence as part of Project Verde (the EU directed sale of 632 Lloyds TSB/C&G branches in compensation for state aid).

A co-founder of 4most Europe, Mark is an innovator who demonstrates commercial awareness and builds strong teams of motivated individuals. He works hard to gain the trust of business partners to enable co-operation across functional areas. He is versatile, having a good grasp of the big picture whilst retaining connection with the detail necessary for success.

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