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Credit Summit 2019
03.11.2020 - 06.11.20 | DIGITAL BROADCAST

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Credit Summit full agenda

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10.00

Opening address

Luke Broadhurst, Chief Executive, Credit Strategy

Tom Blacksell, Managing Director, UKI B2B, Experian

10.15

FCA address: Acting flexibly and treating customers fairly in the face of a pandemic

  • The pandemic is a challenging new scenario, and firms and their staff have taken decisive and effective action.
  • With this new phase of the crisis, there is no time to rest on our laurels.
  • We therefore want to make clear our expectations around forbearance, the operational challenge for firms to overcome, the importance of vulnerability, and the future direction of the industry

Jonathan Davidson, Executive Director Retail Supervision, FCA

10.50

Alternative Lending opening address

Denise Crossley, Chief Executive, Lantern

10.55

Addressing the affordability gap in the UK

  • Determining who should be using credit
  • How can the gap be reduced?
  • Tackling vulnerability

Chair: Marcel LeGouais, Editor, Credit Strategy

Jason Wassell, Chief Executive, CFA

George Williamson, Chief Executive, Level

11.30

What’s the new affordable?

  • How do you assess affordability for new lending in a changing market?
  • Having the right data at the right moment is key to making the best decisions
  • Let us help you to understand how to optimize the use of the data to ensure streamlined customer journeys

Rebecca Galvin, Financial Services Consulting Partner, Experian

12.00

Lunch break & networking

12.45

User experience and customer service: Adapting to the digital age

  • Catering to consumer demands
  • Continuous adaptation to consumer digital preferences
  • Best practice in communication with consumers
  • Flexibility in payback options
  • Diversifying lending products

Chair: Marcel LeGouais, Editor, Credit Strategy

Nicholas Harding, Chief Executive and Co-Founder, LendingWorks

James Jackson, Chief Executive, Auto Service Finance

Andy Trimmer, Head of Tech, Simply Finance

Tom Davies, Head of Marketing, Tymit

13.15

Temperatures are rising: Are banks ready to manage climate change risk?

  • Introducing climate change risk and the associated regulatory requirements
  • Taking a closer look at the impact of climate change on retail portfolios using stress testing
  • Assessing climate change risks for corporate portfolios

Ivelina Nilsson, Client Partner, 4most

13.50

Regulation update 2021 and beyond

  • Latest regulation updates
  • Initiatives to expect over next few years
  • Brexit’s current and continuing impact
  • Impact on consumer affordability/lender profitability

Chair: Nick Beal, Chief Regulatory and Public Affairs Officer, Amigo Loan

George Badejo-Adegbenga, Chief Risk Officer and Chief Legal Counsel, Loans 2 Go

Karen Taylor, General Counsel, Elevate Credit

Denise Crossley, Chief Executive, Lantern

14.25

Affordability complaints: Insights from the ombudsman service

  • Insight into complaints seen around alternative lenders
  • Approach to how these are dealt with
  • Emerging complaint trends anticipated from Covid-19

John Wightman, Ombudsman Leader, Financial Ombudsman

Sarah Conway, Ombudsman Leader, Financial Ombudsman

14.55

Closing remarks

Marcel LeGouais, Editor, Credit Strategy

 

 

 

10.00

Welcome address

Sue Chapple, Chief Executive, CICM

Tanya Beckett, Broadcaster

10.05

Executive panel: Supporting the UK through turbulent times

  • Offering support to UK consumers when times are harder
  • Avoiding the pitfalls of a potential downturn
  • What have we learnt from crashes of the past?
  • Where industry experts see the future of credit
  • How to remain customer focused in a changing industry
  • What is the responsibility of the industry in tackling consumer debt?

Chair: Tanya Beckett, Broadcaster

Mohammed Chaudhri, Chief Economist, Experian

Cyrille Salle de Chou, CRO, HSBC

Mike Randall, Chief Executive, Simply Finance

10.40

The days beyond pandemic

  • Trends in payment performance, the impacts of the pandemic, and what this means for the trade credit market
  • How can trade credit providers protect themselves from bad debt?
  • Understanding supply chain risk.

John Griffiths, Market Engagement Director, Credit & Risk, Business Information, Experian

11.15

Networking break

11.35

Back to the future: The human-side of order-to-cash

  • Considering how traditional credit management techniques are becoming outdated as the world becomes more digital.
  • Journey with Onguard into your digital transformation to become better equipped in to deal with credit management and order-to-cash in the future.

Marieke Saeij, Chief Executive, ONGUARD

12.10

Customer experience and digitalisation of credit management

  • Creating a positive customer journey
  • Brand reputation
  • Importance of building strong customer relationships
  • Implementing AI into the credit management process
  • Adapting culture to accept change
  • Understanding the need to move to digitalisation

Chair: Sue Chapple, Chief Executive, CICM

Laural Jefferies, Governance CICM, Credit Executive, Fashion Edge

Marieke Saeij, Chief Executive, ONGUARD

Atul Vadher, Transaction Manager, Gazprom Energy

12.40

Lunch break & networking

13.15

Thomas Cook: How good credit management saved shell millions

  • A brief overview of timeline with Shell’s reaction
  • The difference between distressed and failing – why distressed customers can still be good partners
  • Shell’s 2018/9 focus
  • Key Credit characteristics that lead to a successful outcome

David Fisher, Global Oil Credit Manager, Shell Trading & Supply

13.50

Bringing diversity to the risk function

  • How do we encourage more women that the credit industry is for them, with a particular focus on the risk function
  • What are the main barriers women are finding to progression within the industry?
  • How you can encourage more diversity into your teams and leadership

Chair: Sue Chapple, Chief Executive, CICM

Natalie Trist, Chief Credit Officer, Moneybarn

Victoria Stubbs, Chief Risk Officer, Cambridge Building Society

Teresa Callaghan, Credit Manager, Mishcon de Reya

14.20

Closing remarks

Sue Chapple, Chief Executive, CICM Credit Strategy

 

09.10

Welcome address

Bruce Curry, VP, Collections and Recovery, EMEA, FICO

09.25

Financial inclusion: Consumer debt and the credit market

  • What can be done to tackle rising consumer debt?
  • Where could a downturn leave the most vulnerable
  • Visions of an affordable lending sector
  • Ensuring access to the financial services and products needed
  • How are major political parties seeing the future role of the credit industry

Chair: Evan Davis, Broadcaster

Joanna Elson, Chief Executive, Money Advice Trust

Yvonne Fovargue, Member of Parliament, UK Government

Tom Lake, Head of Policy & Strategy, Fair4All Finance

Sheraz Afzal, Chief Risk Officer, Money Shop UK

09.55

Affordability and right outcomes: The sum of the parts

  • How and why deploying today’s capabilities establishes a best in class Affordability Assessment competence, both for Collections and Recovery and across the Credit lifecycle.

Bruce Curry, VP, Collections and Recovery, EMEA, FICO

Olly Betts, Co-Founder, OpenWrks

10.25

Break

10.35

Credit risk and strategy insight sessions

  • The outlook for consumer lending over the next few 12 months
  • How the major lenders are enhancing the customer journey through credit risk and collections
  • Instilling the correct risk culture
  • Exceeding the regulatory requirements that have been set
  • Understanding the level of uncertainty that the Brexit vote has provided
  • Gauging the appetite for debt sale

Chair: Bruce Curry, VP, Collections and Recovery, EMEA, FICO

Simon Green, Head of Personal Loans, Credit Risk, Lloyds Banking Group

Victoria Stubbs, Chief Risk Officer, Cambridge Building Society

11.10

Supporting customers during financial hardship

  • Current market trends
  • Impacts on organisations and consumers
  • How can Experian help support you and your customers

Kristina Burwood-Ansell, Product Director, Collections and Tracing, Experian

Colin Brown, Chief Executive, Aryza

11.45

The Money Adviser Network: New technology which makes it easier for creditors to refer to debt advice

  • An update on the MaPS PACE project which is now known as the Money Adviser Network.
  • The Money Adviser Network is now live and is being scaled up in response to the financial impact of coronavirus

Kevin Shaw, Creditor Strategy Manager, MAPS

12.15

Lunch break & networking

12.50

Virgin Money case study: Building the UK’s sixth largest bank

  • The challenges of merging two of the UK’s largest challenger banks
  • What’s now best practice
  • Building the right culture in a period of change and growth
  • Gauging risk appetite from two stand points

Dave Pickering, Head of Integration & Transformation Risk Oversight, Virgin Money

13.25

Getting culture right for collections

  • Achievability of sustainable engagement, longer collections periods and solid relationships
    Strategies to prompt the customer to interact at their convenience
    Providing debt advice before the customer is in arrears
    Gauging recent developments within the industry
  • How firms are identifying those who need additional support
    Understanding the steps that lenders are taking to improve financial inclusion

Carlos Osorio, Director Debt Recovery, TDX Group

14.00

Preparing for Breathing Space

  • Vanessa Northam will give a short overview of Breathing Space, including the key aspects for creditors, consumers and debt advisors
  • You can then join Vanessa for an Q&A on key aspects of the new moratorium, including how StepChange will be offering breathing space within their debt advice service

Vanessa Northam, Head of Strategic Relationships, StepChange

14.30

Closing remarks

 

 

 

10.00

Welcome address

Karl-Magnus Wadsack, Partnership Director - Open Data, Equifax

10.10

Economic update

  • An overview of the economy

Francis Haque, Chief Economist, Santander

10.50

Freedom Finance case study: Creating an open marketplace for lenders

  • The importance of intermediaries to reach full adoption of Open Banking.
  • Overcoming the challenges of sharing consented data.
  • How a fusion of CRA and transaction data has enabled a true picture of financial health.
  • Inclusive marketplace lending - offering credit to previously underserved customer segments

Emma Steeley, Chief Executive, AccountScore

Jake Ranson, Chief Customer Officer, Freedom Finance

11.30

How open banking is being used to help lenders and consumers through the crisis

  • Is Open Banking the solution to understanding financial hardship?
  • What benefits does Open Banking provide to consumers and lenders in the current crisis?
  • How is it being used operationally to understand risk and financial hardship?

Rob Haslingden, Head of Digital Propositions, Experian

12.00

Lunch break & networking

12.50

The acceleration of digital transformation: An Oakbrook Finance case study

  • How Covid-19 has fast-tracked implementation for digital transaction data. .
  • Why Oakbrook has made Open Banking mandatory on their customer on-boarding.
  • Is it possible to use transaction data to half your delinquency rates?

Emma Steeley, Chief Executive, Account Score

Luke Enock, Chief Executive, Oakbrook Finance

13.25

Using open banking to help the most vulnerable

  • Removing vulnerable customer stress
  • Gaining full income and expense information direct into your business
  • Self-certified affordability vs real time Bank verified account information
  • Creating accurate and personalised assessments to deliver correct outcomes
  • Tailored and timely repayment schedules to fit customer lifestyles

Chair: Karl-Magnus Wadsack, Partnership Director - Open Data, Equifax

Gareth McNab, OB4G lead, Nationwide

Steve Coppard, Deputy-Director Government Debt Management Function, Cabinet Office

Vanessa Northam, Head of Strategic Relationships, StepChange

13.55

Closing remarks

Luke Broadhurst, Chief Executive, Credit Strategy

 

 

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