A seasoned product leader with multiple years of experience in building and launching customer centric products and features. I have been at the forefront of driving business value across businesses (start-ups and businesses within banking/ fintech) by ruthlessly focusing on customer needs, purchasing behaviour, tech trends whilst building new products and solutions. I have extensive experience of planning and driving ‘outcomes’ by aligning outcomes to team, activities, and processes. My core skills lie in target market research, problem-solution fit and ‘working backwards’ to plan and drive product strategies to achieve PMF. An ex-military officer by training, I believe nimble, agile teams, operating with cross-functional teams and shared objectives are key to building moat for organisations. I am especially interested in exploring new business models and the impact of the evolving ‘online economy’ on traditional business models.
Over the years, I have been instrumental in building new products, refining existing products, building new distribution models and standing up teams that allowed businesses to capture market share and increase revenue.
New product development: was responsible for building a new revenue stream for the invoice finance business that allowed customers to 'fund selective invoices' as opposed to whole ledgers With a TAM of £10-15bn of funding, the obtainable market was focused on RBS Invoice finance customers that dropped out due to intrusive onboarding processes Raised a seed round of £1m and from a team of 4 to a team of 15 over a 2-year period, after multiple iterations, the new 'online invoice discounting product' became a flagship product showcasing innovation aligned to customer needs and their purchasing behaviour Funding close to £200m in the first 12 months Absorbed into NatWest Ventures to boost growth
Sales and GTM: through a multi-pronged sales and GTM strategy (op model, enablement, funnel optimisation, email marketing), increased market penetration of 'working capital' product suite and doubled net new customers over a 3-year period Working with D&A, built a new propensity model focusing on CCC (cash conversion cycles) targeting early adopters thus improving conversion rates from 30% to 50% By improving the quality of 'new customers', retention rate of back book improved 20% (more sticky customers) The overall lending book grew by a factor of 15x over a 3-year period
Fundraising and product-market fit: at Oxsight (startup - smart glasses for the visually impaired), played a key role in raising series A (£16m) under strenuous market conditions (COVID) Working backwards, built the blueprint / framework to measure, track and iterate sales pipeline allowing business to showcase traction and conversion to investors Grew pipeline from a few hundreds to 1000 leads per month whilst doubling conversion rates Built a framework to focus on key product economics whilst balancing efforts between acquisition and retention to achieve p/mf
Product management: as the Head of Digital Solutions, RBS Commercial Banking, built product teams from ground up to a team of 40 split into multiple tribes and squads Deployed v1 of PM disciplines allowing siloed teams to come together as multi-disciplinary teams
Operating partner to business heads: parachuted into businesses to refine and implement BU strategies Over a 2-year period, undertook multiple transformation initiatives ranging from transaction banking (£800m revenue) to asset finance sales operating model (£60m cost base) to mass affluent proposition (140,000 customers) to developing and implementing a 'cash strategy' in branches for commercial banking customers (lower usage of cash over time)
I like change and am constantly testing my own boundaries, both professionally and personally. Outside of work, I enjoy spending time with the family, indulging in delicious food (mostly eating!), and exploring the great outdoors. I am an avid climber (rediscovering my passion after having climbed 17000 ft, twice). In my free time, I am mostly learning about new tech and concepts. I am especially interested in Defi, DAO (Decentralised Autonomous Organisations) embedded finance, and the role of commoditized banking services across sectors.