About Jonathan Westley

Website: http://experian.co.uk

Profile: 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.



Posts by Jonathan Westley

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 continues to be overlooked.

Personal insolvencies fall to pre-recession levels but who is still vulnerable?

Posted on Dec 10 2014 by

New figures published by Experian, illustrating where and for whom UK personal insolvencies are most prevalent, reveal the number of people being declared insolvent has fallen to pre-recession levels, with some towns showing markedly improved rates compared to the same period last year. Despite these findings, the figures also highlight the vulnerability facing young families.

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 media. The common theme is affordability.

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 from our credit reference agency about how we all pay our bills, we created a view of where people are likely to be struggling to keep on top of their debts.

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.

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.

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’, placing customer needs at the heart of finance strategy, aiming to make certain that a company’s behaviour will result in good outcomes for consumers.

Seller beware

Posted on Jan 31 2013 by

Jonathan Westley, managing director of Experian’s Consumer Information Services business, outlines the impact and remit of the Financial Conduct Authority.