2003 to date Statistical Decisions Hellas, Director

1995 to date    Statistical Decisions Ltd, Director

1991 to 1995   Credit Score Manager, Citicorp Mortgage, USA.

1985 to 1991   Manager of Portfolio Analysis, Citicorp National Services, USA

Malcolm joined Statistical Decisions in 1995 as Development Manager and is now a director of Statistical Decisions in the UK and is country head of Greece and Eastern Europe. He has developed technical and strategic risk management solutions with a wide range of clients in the banking and retail lending industry worldwide. He has in-depth knowledge and experience of risk model development, including Basel II and regularly consults to clients on account acquisition and other risk related issues.  Particular areas of expertise include the development and implementation of statistically derived consumer risk models including application, behavioural and internal rating and SME models. Malcolm also consults in the area of mergers and acquisitions and provides training to clients in many areas of banking. Malcolm has a wealth of experience in hiring, training, and developing analytical and score development teams.  

Previous Experience

At Citicorp Mortgage he was responsible for developing and implementing behavioural scoring models in collections, treasury and marketing. In addition he was involved in developing risk score-based pricing initiatives. At Citicorp National Services his role included credit cycle monitoring and reporting for various indirect consumer products.

Education

BSC (Hons) Urban and Transport Planning, Aston University, Birmingham UK