Rachel Beardsmore

Experience

• 

  HBOS Plc

  Oct 2002 - Sept 2008

  • Managed the development of the Basel II models for Retail Banking Credit Risk• Provided technical consultancy, support and expertise to the Banking business• Influenced policy/decisions by promoting Basel and considering model implications/waiver impacts• Co-ordinated training and Basel II challenge sessions with a view to developing a greater understanding of the Basel models• Ensured compliance across all the key areas of business use test• Took responsibility for the management and maintenance of key use test documents to meet FSA standards in supporting IRB requirements • Undertook specific projects with a view to enhancing understanding of the model outputs or to gain a meaningful insight or highlight areas for concern within the Banking portfolio or other business areas.• Developed internal relationships and liaised with colleagues across the Retail business to provide a full and effective contribution to the evolution of the overall Basel II project and objectives. Show less

  • Senior Credit Analyst – Basel II Implementation, Banking Risk

    Mar 2006 - Sept 2008

  • Credit Analyst, Customer Strategy

    Jan 2005 - Feb 2006

  • Credit Analyst, Collections Risk

    Jan 2004 - Dec 2004

  • Credit Analyst, CMT Strategy

    Oct 2002 - Dec 2003
• 

  Lloyds Banking Group

  Oct 2008 - now

  Data Investigation, Analytics & Solutioning - Identifying data in Bank Systems to facilitate Internal and External Reporting requirements- Converting unstructured data to structured data through creation of assured core datasets - Advice & guidance as data SMEsData Remediation - Management of funded and non-funded Data Quality Remediation Projects. Operational Data- Preparation of SME Operational Data to support portfolio management.​Change- Maintenance and communication of Register of Change impacting Risk, sourced from Inbound Change Gateway, DSOC and Risk Data Design Authority. Show less • Managing and providing clear insight, challenge and thought leadership across all aspects of business management to enable Risk division to deliver it’s objectives• Maintaining a robust control framework for FTE to enable sustainable resourcing across the division• Developing & maintaining a robust control framework for non-FTE costs• Production of monthly cost forecasts and delivering insightful and value add reporting to Risk RLTs• Collating, analysing and challenging the Divisional 4YOP budget submission and quarterly forecast submissions• Collating and challenging the annual CTC submissions, working with cost-generating areas to understand and communicate the drivers and impact of any changes• Highlighting risks and opportunities and providing recommendations and support in their resolution/implementation• Influencing and engaging key stakeholders to drive collaborative and collegiate partnerships within Risk division and with critical partners across the group• Manage cost centre changes via SRF and budget transfers via RAF• Supporting all Risk colleagues with cost-related queries and advising route to resolution• Leading ad-hoc analyses to determine cost impacts of future business changes Show less • Managing a large-scale EUC providing Customer level data for Customer Risk reporting, Customer Risk Appetite, GEC reporting and data feeds to CDS and CMT• Project managing the delivery of the new strategic solution for the provision of data for Customer Level Reporting, Risk Appetite & GEC • Managing the strategic decommissioning of a critical EUC, identifying and removing redundant data items/processes, isolating and transferring ownership of live processes to continue post-decommission• Leading BAU and business-driven process change; effectively co-ordinating both onshore and offshore resource, working with stakeholders to prioritise changes, ensuring governance is followed, testing is completed to a high standard and process fully documented • Providing technical support for issue resolution; guiding offshore analysts investigating issues/changing trends/tolerance breaches• Supporting and creating new processes and data for improved Customer level reporting and decisioning e.g. Additional IB outputs, Customer score, BVI4 build• Supporting customer-level initiatives • Driving forward ad-hoc analyses and investigations Show less • Added value to cross product relationships through fully exploiting the use of internal and external customer level data, identified gaps in credit decisioning and coordinated cross functional initiatives to manage customer level exposure • Provided a point of support to the Product Risk teams for cross product central analytics, best practice and customer level risk analysis, including comprehensive analysis around customer profiles and risk • Delivered further penetration and visibility of pre-approved offers to the existing customer base by exploiting current usage of product offer and limit management strategies and raising their profile within Marketing, Products and Retail Sales • Developed and enhanced Customer Level Decision Systems, through the provision of technical support, data monitoring, incident management and systems governance and control.• Supported the integration of HBOS and LTSB systems through the implementation of processes which enable HBOS pre-decisioning following the banking & savings platform migration Show less

  • Manager - Data Excellence

    Sept 2022 - now

  • Manager - Business & Investment Management

    Mar 2021 - Sept 2022

  • Manager - Simplification

    Jun 2016 - Mar 2021

  • Manager, Customer Analytics & Decisions

    Jan 2012 - Jun 2016

  • Manager - Cross Product Acquisition Decisioning, Customer Risk

    Apr 2009 - Jan 2012

  • Customer Analytics Manager, Customer Risk

    Oct 2008 - Apr 2009