Freelance management consultant focusing on retail and commercial banking, Fintechs and other players in the financial service industry. Services range from all types of transformation including: - Change of business strategy - Operational efficiency - Regulatory driven change - Digital and technology change - Organisational and cultural change Services span across all stages of a waterfall style transformation as well as Agile and include: - Review and challenge current transformation strategy and plan - Setting up transformation programmes - Leading a transformation programme or a specific part of it I have many core management consultancy capabilities including: - Operating Model development - Cost reduction - Post-merger integration - Banking regulation - Digital transformation including Agile ways of working My experience in the retail and commercial banking industry is extensive. I have worked with most of the UK high street banks and also European and African retail and commercial banks. Industry knowledge include: - Retail and commercial banking products such as Current Accounts, Investments, Loans, Cards and Mortgages - Banking operations such as customer onboarding, credit processes, debt collection and recoveries - Banking channels e.g. branch, phone, web, mobile but also voice only - Banking technology such as digital banking, public cloud, data & analytics and AI