Matthew Freeman

Head of Analytics and Data Science




Matthew has twenty plus years retail financial services industry experience, predominantly within the analytical risk management sphere, covering diverse geographies ranging from the United Kingdom and Western Europe, throughout the Middle East and India, China, Asia (North and South East) and Australasia (Australia and New Zealand).

Much of this experience has been gained within the big credit risk consulting firms (such as Experian and FICO) and with large banking and finance groups (such as Lloyds, Barclays, United Overseas Bank and GE Capital), developing both operational (application and behavioral scorecards) and regulatory (Basel II & IFRS9 PD, EAD and LGD) models, utilizing a wide range of internal and external data sources. Models and associated strategies have been developed for all the major consumer product groups such as cards, loans and mortgages.

More recently he has started to consider how the new data sources, thrown up by the Big Data revolution, can be used to help both traditional and new players to exploit the opportunities that have been created. This has particularly lead engagements on how to source new customers in a risk responsible manner where traditional credit data is thin, but newer innovative sources are abundant or the developing of new risk and marketing models in various sectors.