Jonathan has over 25 years of experience working within the banking industry as well as consulting for financial institutions. Jonathan has been with Experian for nine years, setting up a consulting function within the Consumer Information business (CI), then leading our Product Management teams for two years before taking on overall responsibility for (CI) as Managing Director. Prior to working for Experian, Jonathan worked with Abbey for 10 years and spent five years with consulting firms CGI & FICO.

Consumer Credit Trends...

Posted on Jan 06 2016 by
The turn of a new year is the perfect time to take a look back at what we’ve learned from 2015. Working closely with you, our consultants and analytics experts, we’ve identified some key trends in the consumer credit...

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How lenders can make customer relationships personal...

Posted on Jan 05 2015 by
On its own, credit data can’t help you deliver the personalised, proactive service your customers want. You also need to understand the full picture of each individual person to return the human element to financial...

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Rental data: Expanding financial access and inclusion...

Posted on Dec 15 2014 by
Despite new technologies and widespread innovation in financial services, there are still a lot of people who are ‘underserved’. Lenders and society alike could be missing out on a huge opportunity if this population...

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Personal insolvencies fall to pre-recession levels but who i...

Posted on Dec 10 2014 by
Low to middle income families see the highest rates of personal insolvency in the UK in the past year (Q3 2013 – Q3 2014) New figures published by Experian, illustrating where and for whom UK personal insolvencies are most...

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Taking on the consumer affordability challenge...

Posted on Nov 07 2014 by
The world of lending to individuals is not what it used to be.  Once a key element in creating growth, it now faces a battle on various levels from three different stakeholders - the regulators, struggling borrowers and the...

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Borrowing Britain’s affordability challenge...

Posted on Mar 17 2014 by
In January 2014 Experian provided the BBC with new analysis highlighting where people in Britain are struggling to keep on top of their debts. Using a combination of public records, lifestyle surveys and aggregated information...

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Credit scoring boost for 93% of social housing tenants...

Posted on Nov 21 2013 by
A massive 93 per cent of social housing tenants would receive a welcome boost to their credit ratings if information about their regular rent payments is shared through the Rental Exchange. This additional insight will enable...

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What is responsible lending?...

Posted on May 31 2013 by
Responsible lending is to act in a customer’s best interests, ensuring affordability, transparency of terms and conditions and supporting a borrower if they experience repayment difficulties. You may also be interested...

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The clamp down on conduct...

Posted on Apr 10 2013 by
Lenders will face tough new standards for customer interaction from 1 April 2013, when the UK’s new financial services regulator, the Financial Conduct Authority (FCA), will begin to apply measures to reduce ‘conduct risk’,...

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