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Intelligence, Insight and community for responsible professionals in credit



Welcome to your Credit Strategy membership which provides intelligence, insight and community for responsible professionals in credit.


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Paul Hammick

Paul Hammick

Director of unsecured collections
Lloyds Banking Group

United Kingdom

Paul is the Unsecured Director for Lloyds Banking Group’s Customer Financial Assistance team, dedicated to helping customers back to financial health as quickly as possible. Serving one in four of the UK’s current account, loan and credit card customers, the team represents the UK’s largest unsecured collections and recoveries business.

The business is located across the UK and Asia, and Paul has accountability for c.2000 colleagues working tirelessly to give fair outcomes to some of the bank’s most vulnerable customers.   

He draws on more than 25 years of experience in a range of banking roles, including five years as a Risk Director within Conduct, Compliance & Operational Risk, most recently as Enterprise Risk Director for Group Services.  Here he provided oversight across a breadth of businesses including PPI and PBA customer remediation, customers experiencing financial difficulty in collections, sourcing, payments, property and divestment. 

An MBA graduate and owning a Post Graduate Diploma in Governance, Risk & Compliance from the ICA, Paul's prior leadership experience included time as Chief Operating Officer for CCOR, Regional Director for the South and South West branch network and Head of Mortgages for Lloyds TSB.


Collections strategy & customer support

Collections strategy & customer support
Credit Strategy
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