I WANTED TO MOVE INTO something more mainstream and the careers department put me in touch with PwC. I did eight weeks work experience and loved it. I felt I was constantly developing and having new experiences – something I still seek out today.
THERE ARE LOTS OF CHALLENGES when you start out. But I remember there was always lots of support – I never felt I was on my own (even if I was the only person at a client’s premises). You need to seek out those scary experiences to push yourself and realise what you can achieve.
I SPENT FOUR YEARS in retail at Next. I thought I’d give financial services a try and 16 years later I’m still here. As the level of regulatory focus has heightened, the industry has had to evolve. When the FCA took over regulation for consumer credit in 2014 it undertook a major market study into credit cards and much of the policy change from that is now in place. What I admire about Capital One, and why I joined, is we are striving to make credit simple and helping our customers succeed, which aligns with those regulatory changes.
HOW CUSTOMERS CHOOSE to use and share their data and how companies provide products that help customers make informed choices will be fascinating. Machine learning is being used within the forecasting process within the US cards business in Capital One, as is coding language such as Python to speed up the updating of models and automation of accruals within the UK cards business. We should spend less time producing reports and more time analysing – which is always the fun part.