Pensions Financial Modelling & Reporting
A Pensions & Investments company needed a new financial model to support forecasting, scenario analysis and management reporting. The solution needed to bring together Finance, actuarial and operational data and provide integrated modelling across the Profit & Loss, Balance Sheet and Cash Flow Statement, while connecting to the existing finance system. I designed and delivered a financial modelling solution covering policies, properties, capital, assets and liabilities, working with Finance and IT to define requirements, validate financial calculations and develop the underlying data and modelling architecture. The solution integrated with Microsoft Navision and automated the flow of financial data into the modelling and reporting processes, incorporating scenario modelling, forecasting and management reporting. The result was an integrated modelling capability supporting financial forecasting, scenario analysis and reporting across the P&L, Balance Sheet and Cash Flow Statement, with automation reducing manual reporting effort, improving consistency and giving Finance greater visibility of the underlying financial and operational data.
Building Society Financial Forecasting & Scenario Modelling
A UK Building Society needed a forecasting model to understand how changes in its mortgage, lending and investment portfolios would affect risk, profitability and future capital requirements. The model needed to bring together mortgage, loan and derivative data and allow the Finance team to assess the impact of different scenarios. I designed and built a financial forecasting model covering these activities, developing the underlying financial calculations and modelling logic to assess financial performance, risk and capital requirements under different scenarios. The model provided Finance and the Board with a consistent basis for forecasting and scenario analysis, allowing them to understand the potential impact of changing assumptions on profitability, risk and future capital requirements and supporting longer-term financial and strategic decision-making.
UK Charity Group Financial Forecasting
A UK Charity needed a five-year financial forecasting model covering a group of six subsidiaries and approximately £20m of activity. The model needed to bring together the group's financial information across the Profit & Loss, Balance Sheet and Cash Flow Statement, while allowing Finance to assess different scenarios and their potential impact on the organisation's financial position. I designed and developed the forecasting model, building the underlying financial data models and forecasting logic and incorporating analytics and management reporting to provide a consistent view across the group. The model allowed Finance to test different scenarios and assess their impact on profitability, cash flow and the Balance Sheet, providing a stronger basis for financial planning and Board discussions. The result was a single forecasting capability covering the group and its subsidiaries, giving Finance and the Board a clearer and more consistent view of the organisation's future financial position.
Utilities Regulatory Financial Modelling & Stress Testing
A UK Utilities company needed a five-year financial model to support regulatory planning and reporting. The model needed to produce an integrated Profit & Loss, Balance Sheet and Cash Flow forecast while bringing together complex financial and operational datasets from across the business. I designed and developed an integrated three-way financial model covering the company's five-year regulatory planning period, building the underlying data model and financial modelling logic and bringing the required datasets together into a consistent structure. The model incorporated scenario and stress-testing capabilities, allowing Finance to assess the potential impact of different assumptions on the company's financial position and support longer-term regulatory planning. The result was an integrated financial modelling capability that enabled Finance to assess the impact of different scenarios across the full set of financial statements, rather than treating the P&L, Balance Sheet and Cash Flow as separate forecasts.
Government Bid Financial Model
A major government bid required a financial model capable of forecasting the financial performance and cash requirements associated with the proposed contract. I designed and built a multi-million pound bid model integrating the Profit & Loss, Balance Sheet and Cash Flow, allowing the financial implications of the proposal to be assessed under different assumptions. The model provided a consistent financial basis for the bid and supported the preparation and evaluation of the commercial submission. The resulting financial model was used directly in the successful bid submission.
Start-up Financial Modelling
Start-ups working through UK incubator programmes needed financial models to support investment planning, forecasting and capital raising. I designed and built financial models tailored to the businesses' individual circumstances, helping founders understand their financial position, forecast future requirements and assess different funding scenarios. The models supported investment planning and discussions with potential investors, including successful seed funding and subsequent growth-stage investment activities.
Utilities MI & Reporting Automation
A Utilities company needed to improve the production and presentation of management information for the Finance Director and senior management. I designed and implemented automated MI reporting and dashboards, bringing together operational data and financial model outputs into a refreshable reporting process. The solution integrated data from multiple sources and automated much of the preparation required for management reporting. The result was a more consistent and efficient reporting process, giving senior management clearer and more timely visibility of financial and operational performance.
Financial Model for UK Government Bid
A UK bid team required a financial model for a government bid capable of representing a complex contract structure and its financial implications over the life of the proposed arrangement. I designed and built a £50m bid model integrating Profit & Loss, Balance Sheet and Cash Flow projections, incorporating the underlying contract structure, scenario analysis and relevant compliance requirements. The model allowed the financial implications of different assumptions to be assessed and provided the financial analysis required to support the bid. The resulting model directly supported the successful submission.
UK Water Regulatory Reporting Models
A UK water company needed to improve the way operational data was consolidated and used for regulatory reporting. I designed and built the underlying regulatory reporting models and data structures, bringing together information from multiple operational sources into a consistent reporting framework. The solution provided a more structured and auditable approach to preparing regulatory information while reducing the manual effort involved in consolidating the underlying data. The result was a more reliable and streamlined regulatory reporting process with improved traceability of the information used in reporting.
Global Recruitment Investment Model
A global recruitment company needed financial modelling and reporting to support a significant investment and associated decision-making. I designed and built a £100m+ investment model, supporting data model and BI reporting capability, working alongside Deloitte, PwC and BDO. The solution brought together the underlying financial information required for forecasting and scenario analysis and provided a consistent basis for assessing the investment and its potential outcomes. The resulting modelling and reporting capability supported investment analysis, forecasting and decision-making.
Credit Risk Modelling for Global Investor
A global investment organisation needed new credit risk models covering Probability of Default (PD), Loss Given Default (LGD), Expected Loss (EL) and Exposure at Default (EAD). I designed and built the underlying financial data models and credit risk modelling framework, integrating data from multiple sources to support the required calculations and analysis. The models enabled credit risk to be assessed under different scenarios and provided the organisation with a more consistent basis for regulatory reporting and risk analysis.
UK Property Company Restructuring Model
A UK property organisation needed to assess the financial implications of a proposed £30m restructuring. I designed and built a financial model bringing together property valuations, debt schedules and cash flow assumptions, with the underlying data structures required to manage the different components of the restructuring. The model allowed different assumptions and restructuring scenarios to be assessed and their impact on the organisation's financial position to be understood. The resulting analysis supported strategic decision-making around the proposed restructuring.
Construction Industry Pricing Model
A UK construction company needed a new pricing model to improve the way costs and resources were incorporated into project estimates. I designed and built a financial pricing model supported by data structures integrating costs, resource allocations and historical information. The model allowed different pricing assumptions to be tested and provided a more consistent basis for estimating costs and evaluating potential projects. The resulting capability supported more informed pricing and commercial decision-making.
Global Investor Pension Calculation Model
A major global investment firm was developing a new self-investment platform enabling customers to manage their own Pension and ISA investments. The programme required a financial modelling capability to support the calculations underlying the new platform, including investment growth, portfolio values and customer outcomes. I led the financial modelling workstream, initially taking responsibility for the ISA investment modelling solution before subsequently taking responsibility for the wider pensions modelling solution. I designed and built models covering investment growth, portfolio calculations, performance scenarios and long-term cash flows, as well as pension and life illustration models. The modelling provided the financial calculations required to support product functionality and customer projections across the new platform. Following the successful delivery of the initial ISA solution, my role was expanded to cover the wider pensions modelling requirements.
Global Investor Pricing & Portfolio Modelling
A global investment firm needed investment models to support product pricing, portfolio analysis and the development of its new self-investment proposition. The modelling needed to handle a range of investment products and complex financial instruments while incorporating investment assumptions, performance scenarios and long-term cash flows. I designed and built investment calculation and pricing models covering investment growth projections, portfolio calculations, fund performance and customer outcomes. I also developed models for complex financial instruments within investment portfolios and pension products, allowing different investment assumptions and performance scenarios to be assessed. The resulting models supported product pricing and financial analysis, providing a consistent basis for evaluating investment outcomes and informing product development and decision-making.
£1bn+ Global Banking Financial Model
A global Bank needed a financial model to support planning and cost management. The model needed to provide Finance with a consistent view of financial performance and allow costs and future requirements to be assessed as part of the group's planning and forecasting processes. I designed and developed the financial model using working with Finance stakeholders to understand the underlying requirements and translate them into a practical modelling solution. The model supported financial planning, cost management and strategic decision-making across the technology organisation, providing Finance with a structured basis for forecasting and analysing a significant technology cost base.
Offshore Shared Services Centre Financial Model
A global bank was establishing a new offshore Shared Services Centre and needed a financial model to understand the financial implications of the new operation. I designed and developed a financial model covering P&L and Balance Sheet forecasting, allowing Finance to assess the expected financial position of the new centre and evaluate different assumptions around its development. The model incorporated financial planning and scenario analysis to support decisions around the establishment and expansion of the operation. The result was a financial modelling capability that gave Finance a structured view of the expected financial performance and Balance Sheet position of the new Shared Services Centre and provided a basis for assessing different scenarios during its development.
Global Banking Financial Planning & Forecasting Model
A global bank required a financial planning model to support its group-wide quarterly forecasting cycle. The existing planning process involved multiple Finance teams and required a consistent approach to forecasting financial performance and maintaining control over the underlying numbers. I designed and developed the financial planning and forecasting model, incorporating P&L and Balance Sheet forecasting and supporting the associated financial control and attestation processes. The solution provided Finance teams with a structured approach to quarterly forecasting and improved the consistency and efficiency of the planning process, while supporting the group's financial reporting and control requirements.
Banking Technology Programme Cost & Resource Planning Model
A global bank was undertaking a major technology transformation programme involving multi-million-pound expenditure and significant changes to its technology workforce. Finance needed better ways to forecast programme costs and understand the financial impact of changes in resource requirements. I designed and developed project costing and resource planning models to manage expenditure across technology programmes and forecast the financial impact of offshore team expansion and organisational change. The models brought together project costs, resource assumptions and financial forecasts to allow different scenarios to be assessed. The resulting planning tools gave Finance and programme teams a clearer view of expected expenditure and resource costs, supporting financial planning and cost management across major technology initiatives.
Global Bank Integrated Financial Forecasting Model
A global bank needed an integrated financial forecasting model to support financial planning and strategic decision-making across a £300m+ operation. The model needed to provide a consistent view of the organisation's financial position across the Profit & Loss, Balance Sheet and Cash Flow and support the forecasting process. I designed and developed an integrated three-way financial model, building the underlying financial calculations and modelling logic required to link the three financial statements. The model provided Finance with a structured basis for forecasting financial performance and assessing the impact of different assumptions on the overall financial position. The result was an integrated forecasting capability that supported financial planning, management analysis and strategic decision-making.
Banking Loan Book Analytics & Financial Risk Modelling
A large UK bank needed to improve its analysis of a significant loan portfolio and understand the financial and risk implications of changes within the loan book. I designed and built a loan book analysis model bringing together the relevant portfolio information and calculations required for financial analysis. The model allowed the loan book to be analysed under different assumptions and provided Finance with a more structured basis for assessing portfolio performance and financial risk. The resulting capability improved the efficiency of loan book analysis and supported financial and risk assessment by providing a consistent view of the underlying portfolio.
Banking Asset & Liability Management Modelling
A UK bank needed financial modelling to support Asset & Liability Management and better understand the relationship between its assets, liabilities and overall Balance Sheet position. I designed and developed an ALM financial model, incorporating the underlying financial calculations required to analyse the Balance Sheet and assess the impact of different assumptions. The model provided Finance with a structured basis for analysing assets and liabilities and understanding their financial and risk implications. The resulting modelling capability supported Balance Sheet analysis, financial planning and the wider management of financial risk.
Banking IFRS Financial Reporting Automation
A UK bank needed to improve the efficiency and accuracy of its IFRS financial reporting processes. The existing reporting requirements involved bringing together financial information and performing a number of calculations and adjustments before producing the required outputs. I designed and developed IFRS reporting models using Excel VBA, automating elements of the reporting process and building the underlying calculations and reporting structures. The solution reduced manual processing and provided a more consistent approach to preparing the required financial information. The result was a more efficient and reliable IFRS reporting process with improved data accuracy and reduced dependence on manual intervention.
Banking Pensions & Investment Forecasting
A UK bank required financial forecasting models to support planning across its pensions and investment activities. I designed and developed forecasting models incorporating the financial assumptions and calculations required to project future pensions and investment outcomes. The models allowed different assumptions to be assessed and provided Finance with a structured basis for understanding potential future financial performance. The resulting modelling capability supported financial planning and forecasting across the pensions and investment areas.
Banking ILAS Liquidity Regulatory Reporting
A large UK bank needed financial modelling and reporting capability to support its Individual Liquidity Adequacy Standards (ILAS) regulatory requirements. The work involved translating complex regulatory requirements into practical financial models and reporting processes, with accurate and reliable data needed to support regulatory submissions. I designed and developed the financial models supporting ILAS reporting, working with Treasury and IT to understand the requirements, develop the underlying calculations and resolve issues in the supporting data. I also designed the underlying data structures and reporting processes required to support Treasury analysis and regulatory reporting. The result was a modelling and reporting capability that supported ILAS submissions while improving the quality, reliability and traceability of the underlying financial information.
Banking Mortgage Portfolio & Liquidity Modelling
A large UK bank needed to understand the financial characteristics of its mortgage portfolio and the implications for liquidity, lending exposures and future cash flows. I designed and developed mortgage portfolio models to analyse lending exposures, projected cash flows and associated financial risk. I also developed a supporting mortgage analytics database to bring together the underlying portfolio information and provide a consistent basis for Treasury analysis. The modelling allowed different aspects of the mortgage portfolio to be analysed and provided Treasury with better visibility of the relationship between lending exposures, cash flows and liquidity. The result was a more structured capability for analysing mortgage portfolio information and its implications for Treasury and liquidity management.
Banking Liquidity & Interest Rate Risk Modelling
The Treasury team of a large UK bank needed modelling capability to analyse liquidity and interest rate risk and understand the potential impact on the organisation's financial position. I designed and developed financial models supporting liquidity risk and interest rate risk analysis, incorporating the relevant financial assumptions and Treasury data. The models provided a structured basis for assessing different scenarios and understanding the relationship between assets, liabilities, cash flows and financial risk. The resulting modelling capability supported Treasury analysis and Asset Liability Management activities, providing a more consistent basis for assessing liquidity and interest rate exposures.
Banking Credit Risk Modelling
A UK bank needed better analysis of credit exposures within the underlying lending portfolios. I designed and developed credit risk models to assess portfolio exposures and support financial risk analysis. The models brought together relevant portfolio information and calculations to provide a structured view of credit exposure and allow different assumptions to be assessed. The resulting modelling capability supported risk management decisions and provided Treasury with improved analysis of the credit risks associated with its lending portfolios.
Technology Risk Hub & Enterprise Risk Reporting
A global bank launched a Technology Risk Programme to improve the capture, consolidation and reporting of technology risk across the organisation. Risk information was held across multiple business systems and needed to be brought together into a consistent structure that could support enterprise-wide analysis and executive reporting. I led the solution architecture, build and test workstreams for a centralised Technology Risk Hub, working with global teams across the organization to define requirements and design the solution. I designed the underlying data architecture and data models, built the central risk database and ETL processes, and developed the reporting and Business Intelligence capability supporting risk analysis, dashboards, KPI scorecards and executive reporting. I also developed supporting risk analysis and asset management tools and automated daily and executive reporting processes. The result was a centralised technology risk reporting capability that provided a consistent view of risk across the organisation, improved the timeliness of management information and reduced manual reporting effort.
Financial Services Transformation Programme Financial Model
A large UK Financial Services company was undertaking a £100m programme to separate its Insurance business from Group and needed robust financial management to control programme expenditure and support executive decision-making. I designed and managed the financial model used to forecast and control programme costs, providing visibility of expenditure, forecasts and the potential financial impact of different delivery scenarios. I worked with Finance, IT and programme leadership to develop the financial planning and reporting requirements and provided financial analysis to support programme governance. The model gave programme leadership a consistent view of costs and future expenditure and provided a structured basis for financial planning, scenario analysis and financial control across the transformation programme.
Insurance Business Restructure Financial Model
Transformation five-year financial model for a UK insurance company to understand the future financial position of the standalone organisation. I designed and built an integrated three-statement forecasting model covering the Profit & Loss, Balance Sheet and Cash Flow, incorporating the financial assumptions and projections required for longer-term business planning. The model allowed Finance to assess the impact of different assumptions on profitability, cash flow and the Balance Sheet and supported consideration of future capital requirements. The result was an integrated forecasting capability providing a consistent view of the future financial position of the Insurance business and supporting strategic planning and decision-making.
Insurance Customer Economics & Lifetime Value Modelling
Model developed for a UK insurer to gain a better understanding of the economics of its customers, including profitability, acquisition costs, retention and long-term value. I developed financial and analytical models covering customer lifetime value, customer acquisition cost, unit economics, cohort behaviour and product profitability. The models brought together customer and financial information to analyse differences between customer segments, acquisition channels and products and to assess the longer-term financial impact of customer behaviour. The resulting analysis supported the redesign of the Insurance business model and provided a stronger financial basis for decisions around customer acquisition, retention, product performance and future growth.
Insurance Revenue & Pricing Financial Model
Financial model for a UK insurer to support pricing decisions and forecast future revenue under different commercial assumptions. I designed and developed revenue and premium financial models incorporating customer volumes, pricing, retention, acquisition costs and product performance. The models allowed different assumptions and scenarios to be assessed and linked changes in customer and product activity to their financial impact. The resulting modelling capability supported pricing, profitability analysis and revenue forecasting, giving Finance and the business a clearer view of the financial implications of different commercial decisions.
Reinsurance Financial Modelling
Reisurance financial model developed for a UK insurance company to support analysis of its reinsurance arrangements, risk and future capital requirements. Working with the actuarial team, I developed financial models incorporating the relevant reinsurance assumptions, cash flows and financial projections. The models provided a structured basis for assessing the financial implications of different reinsurance arrangements and their impact on the wider Insurance business. The resulting analysis supported risk assessment, capital planning and longer-term financial projections.
Banking Regulatory Reporting & Automation
A UK bank needed to automate regulatory reporting processes and meet critical Bank of England reporting deadlines. I designed and implemented regulatory reporting models that consolidated complex Treasury data, including mortgage and loan information, and automated the calculations and preparation of regulatory submissions. I also developed the supporting data structures and reporting processes used to produce the required regulatory output. The result was a more structured and automated regulatory reporting capability that improved the consistency of the underlying information and enabled the organisation to meet critical reporting requirements and deadlines.
Insurance Transformation Programme Resource Planning & MI
UK insurance company needed a resource planning model as part of £100m transformation programme required to give them better visibility of its resource requirements and associated costs, together with more timely management information for programme governance. I designed and developed resource planning and reporting solutions to forecast workforce requirements, organisational changes and their financial impact. I also built reporting databases, automated data processes and management dashboards to consolidate programme information and provide KPI reporting. The resulting capability gave programme leadership improved visibility of resources, costs and delivery information and supported more effective programme planning and governance.
Global Bank Transformation Programme Financial Modelling
A global bank required financial modelling to forecast and manage approximately £100m of technology transformation resource costs. I designed and managed the financial modelling processes supporting cost forecasting, financial analysis and programme reporting, working with programme and Finance teams to understand expenditure and future resource requirements. I also developed solutions to automate elements of the financial analysis and reporting process. The modelling provided programme leadership with greater visibility of current and forecast costs and allowed the financial implications of different resource and delivery assumptions to be assessed. The result was a structured financial planning and forecasting capability supporting financial control across a major transformation programme.
Global Bank Programme Planning & Governance
A global bank required a centralised approach to programme planning and governance across its Design, Test, Go-Live and Activation phases. Working within the Programme Command Centre, I led programme planning and management information activities, managing planning processes, RAID information and an offshore team to maintain visibility of programme milestones, risks and delivery progress. I worked closely with senior planning leads and technology teams to resolve delivery issues and maintain programme schedules, while presenting programme status and recommendations to Director-level stakeholders. Following the successful implementation of these capabilities, I extended and standardised the planning, reporting and governance approach across more than 50 additional mission-critical programmes.
Global Bank Regulatory Reporting
A global bank needed accurate and timely reporting on the progress and financial position of its £200m Transformation Programme for both senior leadership and external regulators. I designed and managed reporting processes covering programme performance, financial information, delivery progress and key risks, producing executive and regulatory reporting for leadership and the regulators. I worked with programme teams to consolidate information, resolve data quality issues and ensure reporting was consistent and reliable. The resulting reporting capability provided senior stakeholders with a clear view of programme status and risks and supported the regulatory governance of a major organisational transformation.
Global Bank Programme Data Management & Reporting
A Transformation Programme at a global bank generated large volumes of planning, financial and delivery information from multiple teams and systems, requiring a consistent approach to programme management information. I designed the programme data architecture and reporting models and built centralised reporting databases, automated data pipelines and executive dashboards to consolidate programme information into a trusted reporting platform. The solution brought together programme, financial and delivery data and provided management with consistent visibility of progress, risks, costs and key performance indicators. The approach was subsequently extended beyond the existing programme to support reporting and governance across a wider portfolio of mission-critical programmes.
Global Bank Change Management Reporting
A global bank required a structured approach to managing and reporting organisational change across a complex transformation involving multiple teams and business areas. I designed and implemented a Change Management application to support the capture, management and reporting of programme changes and their impact. The solution provided a centralised view of change activity and supported programme governance by giving stakeholders better visibility of changes and associated actions. It formed part of the wider suite of planning, reporting and data capabilities used to manage the programme.